vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The contract related to this account needs to be thoroughly reinvestigated due to inaccurate and unfair deceptive card practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The contract related to this account needs to be thoroughly reinvestigated due to inaccurate and unfair deceptive card practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, XXXX XXXX XXXX, and XXXX, opened two certificates of deposits, for {$26000.00} and for {$25000.00}, 14 month term, on XX/XX/XXXX. 
Today, the above two accounts matured today. One lady of this notorious XXXX bank, I am a non XXXX XXXX XXXX told me over the telephone, XXXX XXXX, on XX/XX/XXXX, that on XX/XX/XXXX, my total money for the above two certificates of deposit, would be deposited today in our synchronys high yield savings account. 
Since morning, I have been calling this XXXX synchrony bank to deposit, as I requested XXXX XXXX, my total money to our high yield savings account, as mentioned above. 
One notorious XXXX manager of synchrony bank told me at XXXX XXXX  ( eastern daylight time ), XXXX XXXX, that my total money, as mentioned above, shall NOT be deposited today. This is nothing but an illegal and Criminal act. 
Please HELP ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
My Sephora Visa Card held with Commenity Bank expired in XXXX of 2024. I did not receive an new card with an updated expiration date, so I contacted Commenity Bank via phone customer support in XXXX and requested a new card. My request was processed however I never received the new card. I made subsequent requests for a new card on XX/XX/2024 and again XX/XX/2024, both times confirming my address on file is correct, but I still have not received a new card. I have not had trouble receiving any other mail. 

On XX/XX/2024 I contacted Commenity Bank again to explain the problem and requested that they send a new card via mail service with a tracking number. I was told it's not possible to send me a new card through the mail with a service that uses a tracking number. I asked what I was supposed to do- if I do not have a valid credit card, I can not use the account. 

Without a new card, I am unable to access my account for purchases, redeem earned rewards, or take advantage of extra points and rewards only provided to card holders rendering the account useless. 

My only remaining option is to pay the balance and close the account. The customer support agent agreed with my assessment. Therefore, Commenity Bank is not upholding their end of the credit agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc
State: FL

Complaint narrative:
I have a collection account listed on my credit reports by a debt Collection Agency, KLS FINANCIAL SERVICES, collecting on behalf of XXXX XXXX XXXX XXXX XXXX KLS FINANCIAL SERVICES, is not licensed to collect in the state of Florida and therefore I am disputing this collection account. Their license expired in XX/XX/year>.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Delete this account for Violation and inaccuracy because the last paid date for XXXX  reported is incorrectly on XXXX, XXXX and Transunion. In addition, number of late payments and status of account on XXXX do NOT match with XXXX, and Transunion. Account of Late payments are incorrect, and Date reported are incorrect on XXXX, XXXX, Transunion a Account name XXXX XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Delete this account for Violation and inaccuracy because the last paid date for XXXX  reported is incorrectly on XXXX, Equifax and XXXX. In addition, number of late payments and status of account on XXXX do NOT match with Equifax, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on XXXX, Equifax, XXXX a Account name XXXX XXXX  Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The above account which is one account and being reported as 2 different accounts, Was investigated and i am in a disagreement with this investigation. I reached out to the original company XXXX and they did reply and said they don't have any information to the account. I did reach out to the other company XXXX XXXX for more information and the contract they had with XXXX. It has being more than 60 days since and i have not received any reply. 
I demand both account to be deleted in my credit report since its infridging my rights by reporting both account falsely. Attached is my communications with the company and a proof of how both account are reporting falsely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my EQUIFAX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report for rent an apartment, I noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain a rent for an apartment and credit to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I was hit with two separate hard inquiries from comenityXXXX on the date of XX/XX/year>. This is a mistake as only one inquiry was approved. There is no reason for the same company to run two separate reports on the same day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: CA

Complaint narrative:
There is a collection account on my credit report with Aspen National Collections for {$9300.00} and {$490.00} that don't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFFIRM INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
See attached document for details. 
XX/XX/year> Unauthorized transactions were made from my account in the amount of {$7000.00}. 
XX/XX/year> I reported these transactions as unauthorized and filed a police report, which was provided to Navy Fedeal Credit Union. 
XX/XX/year> NFCU denied my initial dispute ( even after recovering some of the funds ) ; they didn't even contact law enforcement on details. I requested information regarding on how they came to denial conclusion. NFCU refused to provide that information. 
XX/XX/year> I submitted an appeal along with additional information ( police report ) ; NFCU still did not contact Detective in charge of the case. 
XX/XX/year> I learned the appeal was denied and NFCU still did not contact police detective as his request. NFCU notes stated appeal was denied " due to conflicting information '' and I was an " active participant in the fraudulent activity '' ; which is not true. 
XXXX - XXXX I never received the letter dated XXXX XX/XX/XXXX ; it was finally provided a couple weeks later I after called them numerous times ; they stated it was lost in the mail. Although I received the initial denial in XXXX. 

I repeatedly requested NFCU to provide details surrounding the denied appeal of the unauthorized transactions from my account, which they refused and won't credits my accounts. They have stoned walled me and I am being forced to seek legal counsel. XXXX have been forthcoming with all documentations without anyone having to request anything, NFCU repeatedly refuses to provide results/details of their findings; refused to credit my account; refused to work with law enforcement ; and etc. This event has devasted my life and has exhausted me. I am seeking your help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I was closing a checking account with Wells Fargo and there was a charge on my account which was charged to a credit card since the checking account was being closed. 

That charge was treated as a cash advance from the credit card company. I asked how I can pay off this cash advance and not be charged monthly interest, and I was informed that the only way to pay off the cash advance and avoid the interest is to pay off the whole balance of the card, which is over {$12000.00} to pay a cash advance charge of about {$50.00}. 

The card has an introductory purchase XXXX of XXXX XXXX  and my balance is very high. I am currently not paying any interest on those purchases, so paying off the entire balance does not make sense for me. 

However, I am making minimum payments which pay down the balance. Those minimum payments are NOT being used to pay off the cash advance. 

I think this is a potential issue since credit card companies are supposed to allocate payments to the highest XXXX accounts first. In effect, Wells Fargo is telling me that they are allocating my payments to the account that is charged XXXX XXXX XXXX  instead of the cash advance accounts which charge about XXXX XXXX XXXX  and that there is no way they can change this. 

I am positive that any XXXX with a credit card balance and a cash advance is facing the same issue. Since this is Wells Fargo policy, and seems like it is out of compliance with the spirit of the laws dictating that higher XXXX products receive payments first, I think it would be worth looking into as it effects likely millions of Americans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX, XXXX, XXXX of XXXX I requested Experian to investigate and delete my XXXX XXXX accounts because the information that was furnished was incorrect. I provided paperwork from XXXX XXXX regarding account status effective XX/XX/XXXX. They failed to investigate and update the account to coincide with the letter. I then disputed the account due to late payments of being effected due to XXXX disaster. They refused to update. I then provided paperwork from XXXX XXXX stating that they couldn't comply with my correspondence because the accounts are not charged off. Experian ignored that paperwork and continues to furnish incorrect data

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation