vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX {$88.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$48.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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
Consumer complaint received 2024-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX ) Mid XX/XX/2024 -- Bank of America REDUCED my business credit card limit to {$1000.00} from over {$47000.00} on company credit card for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Early XX/XX/2024 -- Bank of America REDUCED my XXXX business credit card limit to {$1000.00} on company card for XXXX XXXX XXXX XXXX When I inquired for the reason the credit dept claimed that I had too many credit inquiries on my credit report -- BUT REFUSED to provide any documentation to justify their decision.

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 2024-02-21 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: CA

Complaint narrative:
This is regarding account name XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. 

I mailed XXXX, XXXX, and Equifax on XXXX XXXX about not accurately reporting my information and asked if they can correct all the misrepresentation of dates and information that is currently hurting my ability to put my family in a better position to buying a house and investing for future endeavors for my wife and kids. In the dispute letters I requested them to look into last verified, date of last activity, date reported, date open, balance owed, account status, payment status, last payments, and past due for XXXX dates XX/XX/2023, XX/XX/2023, and XX/XX/2023 XXXX dates XX/XX/2023, XX/XX/2023, and XX/XX/2023 Equifax dates XX/XX/2023 and XX/XX/2023. I also requested to change to On Time Paid as agreed. Equifax is the only credit bureau that responded with a correction of pay as agreed on XX/XX/2023 conformation # XXXX. After waiting 2 months I still found improper inaccuracies after a thorough research. Even after they stated my reports to be On Time Paid as Agreed. My credit history has always been in good standings and my credit report scores are as followed XXXX XXXX, XXXX XXXX, and Equifax XXXX. But due to these inaccuracies it is affecting my credit scores negatively. Please help me correct In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is regarding account name XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. 

I mailed XXXX, Experian, and XXXX on XXXX XXXX about not accurately reporting my information and asked if they can correct all the misrepresentation of dates and information that is currently hurting my ability to put my family in a better position to buying a house and investing for future endeavors for my wife and kids. In the dispute letters I requested them to look into last verified, date of last activity, date reported, date open, balance owed, account status, payment status, last payments, and past due for XXXX dates XX/XX/year>, XX/XX/year>, and XX/XX/year> Experian dates XX/XX/year>, XX/XX/year>, and XX/XX/year> XXXX dates XX/XX/year> and XX/XX/year>. I also requested to change to XXXX XXXX XXXX as agreed. XXXX is the only credit bureau that responded with a correction of pay as agreed on XX/XX/year> conformation # XXXX. After waiting 2 months I still found improper inaccuracies after a thorough research. Even after they stated my reports to be On Time Paid as Agreed. My credit history has always been in good standings and my credit report scores are as followed XXXX XXXX, Experian XXXX, and XXXX XXXX. But due to these inaccuracies it is affecting my credit scores negatively. Please help me correct In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-02-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I ( XXXX XXXX ) have reviewed my Consumer Reports and noticed that I had ( 1 ) one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX : ( XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-02-21 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:
There are inaccurate late payments with XXXX of my accounts. I have requested to fix it but when I checked my credit reports I can still see the late payments reporting.

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 2024-02-21 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: WA

Complaint narrative:
This is regarding dispute XXXX. It had an estimated resolution date of several weeks ago, and then it changed to today XX/XX/2024 yet it still has not resolved. I even submitted emails from the merchant where they acknowledge my items were lost and I am owed a refund, and I submitted XXXX tracking which stated that merchandise was missing from the packages the merchant sent me. I am still owed my money on this transaction and the chargeback remaining pending forever is insulting to my third party impartial XXXX evidence and the merchant 's own admission. I can only think that American Express is discriminating against me because I am XXXX and XXXX is a XXXX XXXX american comapny.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MECHANICS BANK
State: CA

Complaint narrative:
On XX/XX/year>, I tried to pay a bill from my checking account, and the transaction was declined. I was expecting the transaction to be processed since I had XXXX in overdraft protection. I called the Mechanics Bank customer service phone number to see why the transaction was declined. They informed me at the time of my paying the bill online, there was only XXXX in the account. I asked the representative if I had overdraft protection. He said yes then he said to hold one moment while he checked because he didn't want to be wrong. He came back on the line and informed me the overdraft protection had been removed. I asked why. He told me to reach out to my local branch in XXXX, CA. I tried calling them and couldn't get a representative. I called back and they asked for my account number. They informed me they removed the overdraft without informing me of what they had done because my account had frequent overdrafts. I have a concern because I have direct deposit and have always repaid my overdraft fees plus the money owed. They took away my overdraft without informing me but continued to charge me horrendous excessive overdraft fees plus continuous fees daily which has caused substantial financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
applied for bank of America credit card. 
The company requested a form to verify my account and i submitted that. 
After the account was approved and opened, the company decided that there is suspicious activity on the account so they decided to close the account. 
i contacted the company more than 6 times requesting to reinstate my credit card or remove the hard inquiry and three supervisor promised to get that resolved but at the end nothing was resolved and i ended up with hard inquiry and closed credit on my credit report.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
Mohela states my student loan payment count is at XXXX/XXXX. All of my employers have certified my employment with the US Federal Government since XX/XX/XXXX. Mohela state there is nothing they can do the get the remainder of the payments entered so that my loans can be forgiven. 
Mohela has put me into an administrative forbearance which ends in XXXX, XXXX I submitted all of my documentation by the XX/XX/XXXX deadline and have been waiting since that time. I phone them every month and get the same response as stated above that Mohela is waiting on the Dept of Education to key in the payments and there is nothing Mohela can to do the expedite this while interest accrues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
I think FCRA 605B says wrong accounts should be taken off credit reports. Please check the documents. Some accounts are wrong on my report, making me upset and sick.

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 2024-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/24, I came to Wells Fargo to upgrade my checking to Premier Checking and to open the lowest fee XXXX XXXX with a {$520.00} offer ( offer code XXXX ). During account opening, the banker advised me to open a Platinum Savings ( highest fee ) account instead, and pointed to a QR code that he advised me to scan ( offer code XXXX ) for 4.6 % APY for 12 months on the savings. When I asked specifically if both offer codes could be applied, he said yes- he would apply the {$520.00} offer upon account opening, and would apply the other offer code after the account was opened. Due to the higher rate he was offering to combine with my {$520.00} offer, I opted to open the higher fee Platinum Savings for the higher 4.6 % rate. 

However, after opening the Platinum Savings account with my {$520.00} offer code, the banker was unable to apply the 4.6 % APY promo that he had promised. He called support and was told that the second code could not be applied. Had he told me this up-front, I would have opened the XXXX XXXX account instead. I feel that this was a bait-and-switch 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 2024-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974, as a federally protected consumer, to opt out and rescind any and all prior assumed authorizations of the sharing of my private data and personal information I may have given you, written, non-written, verbal, or non-verbal per 15 U.S. Code 6802.

I hereby demand that you cease and desist from sharing or disseminating any of my private data and personal information to third parties, unless explicitly authorized by me in writing. This includes but is not limited to my name, address, social security number, financial information, and any other data that could be deemed sensitive or private.

Furthermore, I revoke any consent that may have been implied or assumed in any previous agreements or interactions with your organization or any affiliated entities. It is my explicit desire that my private data and personal information be kept confidential and only used for the purposes explicitly agreed upon, approved of and authorized in written form by the consumer, in any contracts or agreements between myself and your organization. 

Consider this letter as a formal notice of my intent to opt out of any data sharing practices and to rescind any prior authorizations. As such, I expect immediate compliance with my demand and confirmation of action taken within the timeframe required by law. 

Failure to comply with this demand may result in legal action, including but not limited to pursuing remedies available under the FCRA, Privacy Act of 1974, and other applicable statutes. 

Thank you for your prompt attention to this matter. I trust that you will handle my private data and personal information with the utmost care and respect for my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: LA

Complaint narrative:
I rented a vehicle from budget which was XXXX I believe attached is reciept and my card was locked at the time and chime charged my card {$6000.00} on a prepaid credit card with XXXX dollars in account cause I paid the rental car already and my card was locked they said it was a forced transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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