vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive been fighting with the credit bureau to take these unauthorized accounts off my credit file. Ive stressed to them that Im a victim of identity theft and also Ive sent in supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
I am writing to express my deep frustration and disappointment regarding the unresolved issues on my credit report. Despite my multiple attempts to dispute inaccurate and unverified negative items, these issues have been left unaddressed, causing me undue stress and negatively impacting my financial well-being.

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 2024-08-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello I've already reported that my Identity has been stolen, and Equifax has done nothing to help me. I uploaded my identity report and everything. 

My life has taken a complete turn for the worst because of this, I Can't even get approved for a car or a place to stay because of all this. XXXX has been wonderful, they have already removed all of the fraudulent accounts. 

XXXX XXXX  ( account number XXXX ) XXXX ( account number XXXX ) Now I'm just waiting on Equifax. I don't know where to turn at this point. please help in any way you can. it would be truly appreciated. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the Fair Credit Reporting Act. 

I have already filed complaints against the creditors listed above with the Attorney General in their states as well as with other pertinent and applicable law enforcement entities. 

I look forward to an uneventful resolution of this matter. 

Thank You in Advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
I am writing to complain about the fact that I have contacted XXXX, TransUnion and XXXX Credit Bureau on several occasion about improper reporting of information in my credit report, but the problems continue. There are multiple violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am alleging violations under the following sections of the FCRA : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( b ), and XXXX XXXX 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 explanation
Consumer complaint received 2024-08-16 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX

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 2024-08-16 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: NC

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX

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 2024-08-16 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: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : [ Report Number ] ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : Collections and Charge-off Accounts : ACCOUNT NUMBER AND FRAUDULENT INQUIRIES : DATE OPENED XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$620.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$590.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX o Account XXXX. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX  XXXX o Account XXXX. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$460.00} o Status : Derogatory ( Charge-off ) Fraudulent Inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX Banks - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX Banks - XX/XX/XXXX XXXX. XXXX XXXX Banks - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that my report no longer contains any fraudulent information. I have called the bureau several times reporting these fraudulent accounts on my report, and XXXX has not wanted to give me a solution to this problem, which has severely affected my ability to acquire a new house for my children. These collections were removed and not verified by other bureaus. I do not understand how you can say that these accounts are mine, so I demand that you send me all the documentation proving that this information is accurate. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to have Transunion freeze my credit given the recent theft of all Americans ' social security numbers. The portal failed to process the request.

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 2024-08-16 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had a dispute with a merchant closed by American Express recently and I called them today to ask them to reopen it. I explained that I purchased items that were very much not as described ( the material was so thin it was see through, the seams were misaligned, etc ) and according to the merchant 's website that I bought it from, they would provide shipping labels for all quality related issues. The woman from the dispute team I spoke to at American Express told me she couldn't reopen the claim as it went against the merchant 's policies. I asked her what she meant since the merchant 's website clearly stated they would cover shipping for quality issues but when I reached out to them they refused to and wasn't the purpose of American Express to protect their clients in these instances? She just kept repeating that she couldn't go against the merchants policies despite my telling her I HAD the merchant 's return policy open on my computer at that moment and it VERY clearly outlines they DO provide return shipping labels for quality issues. I then asked her if she was going to make the merchant uphold their own return policies and she again stated that she couldn't do anything. At this point, I'm reconsidering why we even have American Express if they're not going to protect us in situations like this. I don't know if the woman I spoke to from the dispute team was indicative of the broader employee base or is a unique anomaly but given that I spend roughly $ XXXX with American Express monthly between the cards I have with them, and have an issue MAYBE once a year, I expect them to handle it when I do. If they can't, I don't need to stay with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was disheartened to discover unauthorized inquiries on my credit report this evening, and I can't understand why they're there. I routinely check my credit report, but this time, discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The unauthorized inquiries remained, leaving me deeply concerned. I urgently request that the documents Ive submitted be reviewed thoroughly so I can put this issue behind me for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
O On XX/XX/XXXX, we went into the bank to make a deposit into our business account. We were informed that our account was frozen on XX/XX/XXXX. We spoke with the bank and they shared that it was an inbound wire transfer that was flagged as fraud. We then spoke to Business partner and XXXX XXXX sharing that it was a mistake. There was a naming nomenclature issue on our business partners and but it had been resolved at the XXXX XXXX and we are now XXXX  days in. Have missed XXXX payrolls on our small business and have had multiple employees quit due to the fact that {$300000.00} of our money is tied up as of today XX/XX/XXXX we have had XXXX phone calls with truest and still being told that we can not have our money or any information. It is urgent that we get some help as our small business and our family are about to be on government well truest is not being helpful or disclosing any information and I do not understand how they can freeze my business money and my personal money all in one swoop and not give me any information in 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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I called Experian on XX/XX/year> at XXXX and spoke with them on a recorded line for XXXX minutes at XXXX to file a dispute on XXXX hard inquiries that were fraud. A new fraud alert was added to my credit report, I received an email on XX/XX/year> at XXXX from Experian stating the results of my dispute were in, I still have the email. I have notifications on the Experian website stating my dispute was approved and the items were removed from my checking report. When checking my credit report on XX/XX/year> both hard inquiries are both still on my credit report. I called Experian to follow up and they are telling me my report number does not exist and there is no record of me ever filing a dispute and all they can suggest is I start completely over with no apology for anything.

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 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
PenFed is offering a checking bonus of up to {$500.00}. Bonus is broken down as follows : Get {$250.00} when you open a new PenFed checking account Make 2 direct deposits totaling at least {$1500.00} into this checking account by XX/XX/year>. 
I completed all requirements by XX/XX/XXXX, but have not received the bonus inspite of contacting bank multiple times.

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 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX Consumer Financial Protection Bureau Office of Complaint Response XXXX XXXX XXXX. 
XXXX, MD XXXX Dear Consumer Financial Protection Bureau : I am writing to express my concern regarding Wells Fargos practices concerning overdraft fees. There is a systematic pattern of exploiting consumers through excessive and unjustified charges. 

On XX/XX/year> I was slammed with a {$35.00} over draft fee for a pending amount and debit. The basic issue is that Wells Fargo has a practice of reordering debit transactions to increase the likelihood of overdraft fees, along with allowing pending debits to be used to overdraw an account so it triggers overdraft fees on an account. 

Unlike traditional banking practices, Wells Fargo has implemented a policy of routinely processing debit transactions that overdraw accounts and subsequently imposing a {$35.00} overdraft fee, even for minimal amounts. Furthermore Wells Fargo pushes processing and bank cut off posting time several hours into the next day so it possible to incur overdrafts on a debit that has not even posted or occurred that same day. Also, inter account transfers are not posted until after cutoff times, meaning that its better to deposit cash directly into an account than it is to make a transfer between accounts. Cash gets posted immediately, account transfers get posted hours after cutoff times or past posting date. This practice appears to be deliberately designed to maximize revenue rather than to serve the best interests of customers. 

Furthermore, the banks refusal to allow customers to opt out of overdraft protection exacerbates overdrafts. This lack of consumer choice is particularly troubling given the potential financial hardship these fees can cause. 

The practice of reordering transactions to increase the likelihood of overdraft fees is dismaying but it the above patterns of doing business that hurts consumers and creates mistrust of the banking system in general. This manipulation of account activity is unethical and demonstrates a disregard for customers financial well-being. 

I believe these actions constitute unfair and deceptive business practices. Wells Fargos policies are not only financially harmful to consumers but also erode trust in the banking industry. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX ( XXXX ) XXXX XXXX See attached :

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 2024-08-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Amazon synchrony bank services lost my payments for my Amazon credit card with them. They said they investigating my payments that I sent proof from my bank that I paid. I have heard nothing back from them. They said the the investigation will take awhile and I cant use my Amazon card ending in XXXX. Amazon is also not helping with this offense. I paid XXXX the month of XX/XX/2024. They said they only received XXXX and XXXX. There are XXXX payments of XXXX received by them and paid by my bank on XX/XX/XXXX twice and XX/XX/XXXX. They have not given my any information since they started the investigation.

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 2024-08-16 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: MD

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my Transunion credit report on XX/XX/year> 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to 15 USC 1681s-2 they are suppose 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 inaccurate.

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