vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 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 a 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 to any 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 2023-11-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 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 a 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 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 explanation
Consumer complaint received 2023-11-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 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 a 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 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
Consumer complaint received 2023-11-20 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: MI

Complaint narrative:
This is my fourth complaint about Experian in violation of reporting inaccurate information that should be removed. I've submitted countless documents proving my claims yet they still haven't removed the inaccurate information. They even sent me a email saying that they have made mistakes on my credit report but has yet to remove the wrong data. It must be done immediately or I will continue to take legal action to the highest level of law. 
Experian has yet to remove the incorrect addresses I am not associated with. The name alias that are not my legal name. 
My credit report should only show XXXX XXXX XXXX XXXX. I have submitted my ID, social security card, identity theft report. All of this information has been sent in numerous XXXX XXXX XXXX XXXX XXXX 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 2023-11-20 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: MI

Complaint narrative:
This is my fourth complaint about Experian in violation of reporting inaccurate information that should be removed. I've submitted countless documents proving my claims yet they still haven't removed the inaccurate information. They even sent me a email saying that they have made mistakes on my credit report but has yet to remove the wrong data. It must be done immediately or I will continue to take legal action to the highest level of law. 
Experian has yet to remove the incorrect addresses I am not associated with. The name alias that are not my legal name. 
My credit report should only show XXXX XXXX XXXX XXXX. I have submitted my ID, social security card, identity theft report. All of this information has been sent in numerous times XXXX XXXX XXXX XXXX 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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: TX

Complaint narrative:
In XXXX XXXX  I opened a Discover card to use the balance transfer offer. I had an available balance of {$10000.00} to use. I paid two creditors {$4700.00} to XXXX  on XX/XX/XXXX  and {$4900.00} to XXXX on XX/XX/23. The balance amount of {$9900.00} was posted to my Discover account right after the balance transfers were made. Weeks went by and both XXXX and XXXX never received the funds. On XX/XX/XXXX  I called both of those creditors and both stated that they had not received the transfers from Discover. Both creditors advised that I pay my upcoming payments in case the funds didnt post. I waited a week then called Discover on XX/XX/23 to inquire about the balance transfer, since nothing had changed. An employee told me he would have to submit two disputes for those balance transfers and that I would get an answer within 10 days. I called today XX/XX/XXXX  to ask for an update and they were not able to give me one. The status of the transfer to XXXX now says unable to transfer, while the one to XXXX says payment sent. I currently have had to make payments to Discover as well as to the two creditors that I had intended to pay off, even though both transfers are nowhere to be found by any creditor. My credit score has now gone down by XXXX points, and I owe money to all three creditors. Discover has not given a useful update and is not able to provide any additional information about where the money is, yet they still are still posting the balances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
There are 3 items on my credit report that are not mine. I did not open accounts with XXXX. ive never had an american express XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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:
There are 3 items on my credit report that are not mine. I did not open accounts with XXXX. ive never had an XXXX 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 2023-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I realized after having this card for almost a year that I was suddenly being charged a huge amount of interest, over 33 %! I have a credit score of over XXXX and have not made any late payments, so I thought it must have been error. I contacted the company and they stated that they are allowed to do that when there is balance. This didnt make sense to me at all and I expressed this but they said there was nothing they could do. So I immediately said close this account and paid off in full {$570.00} to be done with this deceptive company. Then I get another bill for the next month saying I owed another {$12.00} for interest. I contacted them again stating that my balance should be {$0.00} since it was paid in full by the due date and it should not have accrued any more interest. They continuously respond Saying this : We understand your concern with the recent finance charge. Based on recent change-in-terms regarding the " grace period '' for finance charges that went into effect on your account on XX/XX/2022, this finance charge is valid. Per this change : We will charge interest on your account if the balance is not paid off in full by the billing due date. In other words, if you don't pay off the full balance by the due date. We also will charge your account interest on any balance carried over, plus any new purchases made, starting the day the purchase posts. 

I respond back saying I had a {$0.00} balance so no more interest should be accruing, but they just reply with the same thing and I get nowhere with them. I also keep seeing on the bill and Im my online account that I have my full Line of Credit available when I have repeatedly told them to close my account. I will never charge anything the Comenity Bank again! BUYER BEWARE! Do not get any store cards that use Comenity Bank. This deceptive company should be held accountable. I would have never agreed to 31.2 % interest with having excellent credit history. I would have just used a different card with a low interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 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 a 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 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
Consumer complaint received 2023-11-20 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: CA

Complaint narrative:
These are fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Date of application : XX/XX/2023 Name : XXXX XXXX XXXX XXXX ID : XXXX Bank : BMO XXXX I attempted to open a CD online with my wife. My application for the CD was denied and I was not given any reason or way to rectify the denial of my CD application. 

I have attempted to contact customer service to find out why my application was denied but i was told by the representative that the reason could not be given as to why my application was denied. Without knowing why my CD application was denied how am I suppose to rectify this issue?

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 2023-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My loan on my XXXX XXXX XXXX is through capital one auto finance. When I purchased my car from XXXX XXXX, XXXX MD XX/XX/XXXX I also had gap protection purchased. My car was hit and totaled in XX/XX/XXXX. I received payout for what the insurance was giving me, but I still havent received a check/ credit for the remainder on my loan and I am still paying payments on my auto loan for a car I am not driving. I already spoke with the dealer, capital one, and the third party company whom the gap protection was with XXXX XXXX XXXX XXXX. I am doing everything I can to find an answer and get a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
Mortgage was sold/transferred to this company ( Roundpoint ) from original lender ( XXXX ) effective XX/XX/2023. Automatic payment information was transferred to Roundpoint according to letters sent by both companies. Neither the terms of the automatic payment ( Roundpoint pulls them from my checking account ) nor the terms of the mortgage agreement changed during this sale/transfer. 

Roundpoint has received all mortgage payments in keeping with mortgage terms since XX/XX/2023, and shows these payments in their system. They are all visible in Roundpoint 's online portal and on paper statements mailed by Roundpoint. My checking account also shows all of these ACH withdrawals made by Roundpoint. Nevertheless Roundpoint has done the following.

( 1 ) Mailed me past due notices for payments made.

( 2 ) Sent me statements that show a proper amount due and proper payment history on one part of the page, but show a past due amount for payments long-ago collected by them on another part of the page. 
( 3 ) Continued to report, to XXXX, XXXX, and XXXX the balance owing on my mortgage as the balance they transferred effective XX/XX/2023, even though it is now late XX/XX/2023 and multiple months of payments lowering the balance -- according to Roundpoint 's own systems and mailed account statements -- have been made and credited.

( 4 ) During dispute investigations with all 3 of those credit bureaus, misreported the incorrect balance to those credit bureaus as correct, even though it not only does not match their systems and the account statements they have sent, and even though the balance on their records is lower by literal thousands of dollars.

( 5 ) After the credit bureaus closed their investigations, and all balances had been lowered slightly, Roundpoint went back to re-reporting the original XX/XX/2023 balance as the current amount owed in XX/XX/2023. 

This is pretty clearly some sort of acquisition problem paired with no regard for factual accuracy. There is no confusion as to what my balance is and whether payments have been made. But Roundpoint can't even get a single sheet of paper ( account statement ) to consistently agree with *itself* within that single page, and has doubled down on reporting inaccurate information to the credit bureaus.

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 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On.XX/XX/XXXX I sold a car to an individual. They wanted proof of purchase so she asked to meet at Chase Bank to get a Cashier check. She went inside bought check and gave it to me. I then went in to cash it they said I need to deposit it ( I wanted cash ) so u tried to mobile deposit thinking I would have access to the funds immediately, and it said I would have to wait 1-2 days so I then went back into the bank and told them what I did. They assured me that the check was canceled and that I could deposit it with them and have access to the funds XX/XX/XXXX. I have yet to receive the check. They are telling me to contact the person that gave me the check, which I did. They are still sending me in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
Pursuiant to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

Innovis is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discovered that they were in violation by seeing a notice that was posted on XXXX website before they removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: GA

Complaint narrative:
On XXXX XXXX at XXXX eastern time, I was contacted from the Wells Fargo customer service number ( the same number on the back of the card ) s Upon answering the phone, a banker name XXXX answered and told me that my account was being flagged for fraudulent activity at a XXXX XXXX through XXXX XXXX. He was very professional and organized with his scheme. He instructed me to move my money out of my checking and savings account to XXXX XXXX and then move it to the new debit card number that you provided for me and told me by new debit card would be mailed in XXXX business days. This banker had my last four of my social and my home address. Had access to my Wells Fargo account. 

I filed a police report in XXXX XXXX XXXX. They were aware of the fraud/scam surrounding Wells Fargo XXXX I also filed a complaint with XXXX. 

Wells Fargo has denied the money being returned to my account. They told me there is nothing that I can do. The amount of money that was moved was {$2500.00}.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
i have credit protection on my destiny credit card until XX/XX/XXXX per a recorded Phone call, but they didn't make the payment last month. all fes and late fees need to be paid and assured the same thing won't XXXX happen next month.i have consistent issues with this company and credit protection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
This is my second complaint. Nelnet responded and I got a letter stating my application was approved on XX/XX/XXXX. 5 days later my account was put back in forbearance and my payments increase to what they were before I was approved. I called and no one could give me any answers. They asked me to pay {$5.00} to change plans but I already paid that over a month ago. They filled out a form but I dont understand why I was approved and have a letter that is as approved, my payments changed and then a couple days later went back to what it was. And theyre asking me to pay {$5.00} that I have record and their representative says they have record I have already paid. This is the most ridiculous thing Ive ever gone through. I am so frustrated.

Company response to consumer: Closed with explanation