vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 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: OH

Complaint narrative:
There are a lot of inquiries on my credit report that I have not authorized and I request that each one be removed : -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 2024-01-28 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 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 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 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened a new checking account with Wells Fargo 1-2 weeks ago online. The application was approved, I set up online access, made the initial minimum deposit, and have been using all of the features with no problems. I recently got a new phone and updated my phone number on the app to keep my information up to date. 

I received a voicemail today from Wells Fargo stating they needed to speak to me to verify important account information. They called me back one more time within the same hour, I answered, but no one was on the line. When I tried to call back, the phone line said it was closed. Shortly after, I received an email that my account was reviewed and set to be closed in a few weeks. 

I have been unable to get in contact with the Loss Prevention department thats supposedly closed on Sundays, although they called me twice within this very day. I spoke with a customer service supervisor on the phone who had no information about the reason for this email or path to resolution. 

Im more than willing to visit a branch in person to verify my identity and any information needed to keep this account open and in good standing. Wells Fargo has abruptly frozen my account without giving me an opportunity to verify the information they needed. I have outgoing ACH payments scheduled for bills and credit cards, and planned to use this as my main account to receive direct deposits. 

This has been a terrible experience and Wells Fargos business practices are highly unethical. I need a resolution for this issue ASAP, as I now seem to be out of a bank account for no good reason.

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 2024-01-28 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: GA

Complaint narrative:
I have given Transunion numerous notices of the inaccurate information regarding the consumer file. Any person who is negligent in failing to comply with any requirement imposed under subchapter III Chapter 41 title 15 with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer because of the failure not less than {$100.00} and not more than {$1000.00}. ( see all attachments )

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 2024-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
Ed Financial has two different amounts listed on my credit report and have them both reported as open. One loan is XXXX and the other is XXXX. The updated their system and moved my loans over to their new system but reporting on my credit report as if I owe over XXXX in student loans. This is incorrect and affecting y credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
in XX/XX/year> i won a bid on XXXX for a XXXX genuine gold bar, after testing it, XXXX said return it [ all documented ] and seller receieved it, XXXX refused to correspond, so i contacted pay pal, the credit card thru syncrony bank, .they said they sided w seller, go talk to syncrony bank XXXX back XXXX forth it went blaming each other .unresolved..pay pal clearly states full refund if not satisfied. this has not happened .i am a senior with cognitive impairments XXXX  XXXX they have defrauded me XXXX will not respond further but to contnue to send bills for XXXX even tho iv disputed this 5x.i have entire documentation from XXXX site they can NOT justify a XXXX credit as a refund on a XXXX returned item, this is full blown ludicricy, comtemt, ignorance, malice with the intent to commit fraud on a senior XXXX does not represent a refund for a XXXX item that XXXX allowed a fraud to occure .and why m i just now doing this is due to my ADA qualifying conditions of intractable chronic XXXX, limititing my daily life and my cognitive impairments XXXX  XXXX. but not limited to other issues in my life.Syncrony bank has every document faxed to them but are cluless they are wrong, in their ignorant determination

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 monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Someone had two access accounts in my name ending in XXXX & XXXX and a savings ending in XXXX. I did not open this at all I was not even XXXX XXXX XXXX it's no way that I could've had an account by myself.

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 2024-01-28 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: PA

Complaint narrative:
There are hard inquires on my credit and I have no knowledge of them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-28 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: PA

Complaint narrative:
There are hard inquires on my credit and I have no knowledge of them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Re : XXXX and XXXX Notice I am putting in this complaint to formally demand that the company below cease all communication and activities related to the alleged debt under the account number as referenced in the correspondence from XX/XX/2022, to the present day. 
Pen Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/2022, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned accounts. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, the company has failed to respond to these inquiries. 

The persistent and unwarranted communication from these companies has caused me considerable humiliation, emotional distress, and other private and/or commercial damages. I believe these actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee.

I hereby demand that these companies cease all activities related to this debt within fifteen ( 15 ) days from the date of your receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me. 

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against these companies to protect my rights.

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 2024-01-28 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:
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- The accounts below have violated my rights.

15 U, S.C 1681 section 602A. States ( have the right to privacy.

15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions.

P15 U.S. 1681g. ( 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 ) ( a ) 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.

Delete the accounts below : 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 non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
I spoke to a representative 3 weeks back and was told that I owed XXXX because the insurance took the payment back. I did reach out to XXXX XXXX and was told there was an error and that they will reprocess it and that XXXX XXXX will have it. I spoke with them as well 3 weeks ago and the eta they gave me was 7-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I moved out and cancelled my lease because I was already being severely overcharged by your company. For a long time I was being charged $ XXXX. When I called your office to point out to you that I was being overcharged based on the pricing listed on your website, I was told that my pricing would not be lowered to your advertised price, and only reduced to {$190.00}. The current advertised price for the same exact enclosed space that I had, is for {$150.00} per month, and it very clearly states NO OBLIGATION. It does not say that it is a move in special, or limited time offer, or only applying to new move-ins. Still a full {$37.00} per month over your current pricing. 

I have been charged substantially more than your current pricing. It also appears I have been being charged a {$12.00} per month protection fee which I only realized recently. Apparently your website does not show itemized billing on demand, and it is also not allowing me to go back and look at previous statements for itemization. I finally found some previous invoices in my email. When I noticed that, I initially thought it was for the physical security on premise, which was apparently installed and being monitored by an unlicensed security company. After some digging, I found out I'm being charged for some sort of a protection plan because you did not have a copy of my trailers insurance on file. I have had insurance since I bought the trailer in XXXX. 

So in addition to being overcharged on the monthly space, Ive also been overcharged by that {$12.00} per month. That protection fee did not appear until AFTER I called in to discuss being overcharged in the first place. I consider that being charged a retaliatory fee for raising the issue. And since the optimization is not available on your website, it appears that you were intentionally trying to hide that from me. I have never received a notice that that fee was going to be charged to me. I have also not been sent a physical invoice since these changes were made, which also tells me you were intentionally not wanting to show me that fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a denial for a Bank of America credit card XX/XX/2023, XX/XX/2023 and XX/XX/2023. My account was in good standing during all 3 of these requests. The 3 denial letters state I was denied on my XXXX and XXXX credit report. Regardless of the reason for being denied I have the right to credit. Withholding my access to securities is securities fraud. The corporation Bank of America is violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Title 15 USC 1691a states it is unlawful for any creditor to discriminate against any applicant. The Truth and Lending Act protects consumers from inaccurate and unfair credit and billing practices. Reporting to a consumer agency is voluntary according to the CFPB. In fact denial of my right to credit caused me distress. There are no federal laws stating a credit score can deny me my right to extended credit. 

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 2024-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I owed Synchrony bank for a maxed out CareCredit account long enough that the account was charged off before I could start paying back the debt. However, I eventually did schedule regular payments. Through all of last year, I made XXXX monthly payments of {$150.00}, and XXXX payments of {$100.00}. When I checked my balance today, it had not been reduced by any amount since last years payments started. At that time, the remaining balance was approximately {$900.00}, and it still is, as though I have made no payments. When I tried to file a dispute with them, they were not available to take my call.

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 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I woke up today to find my credit score tanked by XXXX points suddenly and unexpectedly. Noting a sudden closure on an account with no notification from Synchrony regarding the closure. 

Upon contacting them I've been provided multiple different narratives and no direct answer as to why I wasn't notified or precisely why the account closure was sudden and unexpected, or as to how to reinstate it beyond applying for a new card, which I'm not interested in. 

This has happened from the same company 3 times. Once with a care credit, that was closed suddenly and unexpectedly ( I eventually reopened this ) and once with a paypal mastercard that was again closed suddenly and unexpectedly. This marks the 3rd time that this has happened with this company, and the only response I can get is that they simply aren't required to provide any notification of cancellation if the card hasn't been used recently. 

I have received neither physical or electronic mail regarding the cancellation and after 3 attempts to contact them they simply leave me with a non-answer. Additionally they've attempted to divert my complaint away from the CFPB suggesting instead I call the company or its sufficient to simply complain to the company. 

This account was transferred to them following a closure of local furniture store a few years back and I never received communication regarding any change of policy or any timeline for use. I never even received an updated credit card for use from the original card that I had received from the furniture company when the account was opened in 2017

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 2024-01-28 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: GA

Complaint narrative:
Per 15 USC 1681, Experian, XXXX and XXXX refused to removed any and all addresses, and adding information to report that I did not give permission to do! 

Per the CFRA, As a Federal Protected Consumer, I am now Opting Out of ANY and ALL Authorization. I the Consumer may have been giving you written and unwritten, verbal and non verbal, per 15 USC 6802. 

For all information reported on credit report, I want companies and XXXX XXXX removed from 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 2024-01-28 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: GA

Complaint narrative:
On XX/XX/year> at XXXX I made an attempt to resolve a fraudulent transaction, the representative stated he could not provide proof that I would not be responsible for the fraudulent transaction in the form of a debt validation letter, I made it clear to him that since he's going to violate FTC Section 809, Refusal Of Validation Of Debt Letter, I will pay the disputed/Fraudulent amount of {$13.00} to avoide having a closed account with balance on it, and that XXXX XXXX can refund the {$13.00} & or {$13.00} back to my XXXX Checking account ending in XXXX,, as of present time XXXX  XXXX has violated FTC Section 807 by placing false information and or inaccurate information on my credit report, associated with the closed account account ending in XXXX,, that is closed and paid off.

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2024 at XXXX I made an attempt to resolve a fraudulent transaction, the representative stated he could not provide proof that I would not be responsible for the fraudulent transaction in the form of a debt validation letter, I made it clear to him that since he's going to violate FTC Section 809, Refusal Of Validation Of Debt Letter, I will pay the disputed/Fraudulent amount of {$13.00} to avoide having a closed account with balance on it, and that Capital One can refund the {$13.00} & or {$13.00} back to my XXXX  Checking account ending in XXXX,, as of present time Capital One has violated FTC Section 807 by placing false information and or inaccurate information on my credit report, associated with the closed account account ending in XXXX,, that is closed and paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a negative on my credit report which is Office of the Atty Gen it shows I have late payments which I do not I have called several times no explanation on this matter It should not be on my credit report period.

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