vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian and XXXX is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay 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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, WA 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 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I set up the direct pay account so long ago, I can not remember what it was for. Every pay period {$25.00} dollars went to this account for years. Today when I tried to get information on this account, there was no phone number. Just the routing number, account number, and the name of the Bank. It says Bank Of America, XXXX XXXX XXXX XXXX XXXX Mo. XXXX. The Routing number # XXXX and account # XXXX. I tried calling XXXX to no avail. I also tried XXXX to no avail, as I got the second number from an on line search and a second address of XXXX XXXX XXXX XXXX VA XXXX. 

I cancelled the direct deposit with my payroll office XXXX XXXX and XXXX XXXX ( XXXX ) XXXX as of today. 

I've been scammed and cheated. 

I went directly to a Bank Of America bank at XXXX XXXX XXXX XXXX XXXX Maryland, and a teller and banker told me that it is not their account and not their routing number. I thought, how odd because the routing number comes up as Bank Of America. So now the question is, where is my money going and how do I recover all the previous deposits? Whatever you can do to help would be greatly appreciated. Thank you.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner.

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 2022-04-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: FL

Complaint narrative:
AAG changed loss payee on my homeowners insurance without notification. Cancelled mortgage application. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
I've filed two complaints and they've both been closed. XXXX and XXXX XXXX. When I check the status, it says I didn't respond, this is incorrect. I have not received an email or a letter, I would respond. I've been locked out of my checking account with Truist for almost two months now. I had to stop direct deposit, because again, the bank will not give me access to my account. My ATM card no longer works, they are holding nearly all the money I have.

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 2022-04-27 00:00:00
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I made ( 2 ) separate purchases on this card. One was XX/XX/2022 for {$870.00} for a XXXX XXXX. The merchandise was delivered with extensive damage done to the box. I only discovered it about 10 days later when I moved the box and saw the damage. 
On approximately XX/XX/XXXX XXXX I notified the company that the items was delivered with extensive damage to the box it came in. I wanted to return it. First they said it would charge me $ XXXX then they apologized and said they would take it back for free. 
I filed a dispute with my credit card company- Wells Fargo . I have called them twice ( once per chat box ), and have emailed them pictures, etc. Today it is XX/XX/XXXX, XXXX I still have NO provisional credit for the charge- and I'm being charged interest on the entire balance including the disputed amount! I do not feel that is fair. I don't know if that's even legal but they're doing it. The other charge was for {$50.00} for a subscription that renewed automatically. I contacted the merchant to cancel my order- in fact I have sent 2 emails and they don't even respond. I also disputed that with Wells Fargo- and have NO provisional credit and am also being charged for the FULL finance charges.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

after this incident I no longer have peace there are many calls with offensive words that I am receiving daily I received many threats I am afraid to go out on the street because of these threats

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$8000.00} / XX/XX/2022 XXXX XXXX/ {$0.00} /

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 non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several months ago reviewed my credit report and found unauthorized inquiries.I have already contacted the creditors and they have not provided me with any proof that I initiated such inquiries nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written or verbal, I asked EXPERIAN to delete these unauthorized inquiries from my credit report immediately or provide evidence of any authorization. They ignored all my requests. 

According to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, 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. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX  Inquiry Date : XX/XX/2021 Creditor Name : EXPERIAN XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Creditor Name : EXPERIAN XXXX XXXX Inquiry Date : XX/XX/2021

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 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of 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 2022-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NH

Complaint narrative:
Discover Credit Card refuses to take off a product I returned XX/XX/2021 {$320.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
My name is XXXX XXXX. I have late 30 days late payment from American Honda financing on XX/XX/XXXX on XX/XX/XXXX. Do to covid -19 I ask for to delete this late payment on my credit bureau. I also send out good will letter to them and later i got the letter from them saying they can not delete this information. They are the one who told me if i use covid19 as reason they will consider this matter and delete this information. 

Account # XXXX Account Name : American Honda financial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account XXXX XXXX,, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX have 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 Section 2 : 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 non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Opened a credit card in XXXX is XXXX with Wells Fargo with a banker. They said the stated to call back to increase my credit limit. I then contacted Wells Fargo in XX/XX/XXXX, they said in order to increase my credit limit and intro offer, I needed to close my other credit cards to increase my credit line. I closed my other cards and for over a month couldnt use the card as intended with the advertised offer of 0 % for 18 months. I escalated to their executive team and have been given the run around and no clear understanding of why they allowed their bankers to give me misinformation.

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 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have an Amex Gold card, of which a published benefit ( provided enrollment prior to XX/XX/XXXX ) was a complimentary XXXXXXXX XXXX XXXX membership ( since converted to XXXX XXXX. ) The membership began billing to my account automatically month on XX/XX/XXXX based on the card being enrolled in the XXXX app. The charge continued at the end of each month and I expect to see it post on XX/XX/XXXX as well. There has never been a corresponding credit. 

I contacted customer service on XX/XX/XXXX via phone. The representative agreed that I should be eligible for the credit and began to research the problem. He noticed that I have two authorized user cards in addition to the primary card ( what Amex calls the " basic '' card ) but they're all in my name. I explained that all of my Amex cards have the same last 4 digits which is very confusing when saving cards online so I requested additional cards to get unique numbers. He understood that but suggested that if I added one of the additional cards to XXXX that would be my problem, as the terms state the benefit applies only to the basic card. I confirmed that the basic card was the card that was enrolled in XXXX and he then told me he'd need to open a case. He gave me a case number. 

I did not hear back again from Amex regarding this matter. I followed up via online chat on XX/XX/XXXX and the rep " could not access that case number '' and asked me to explain the situation again. That rep informed me that the credit has posted on XX/XX/XXXX. I responded to the rep that a charge posted on XX/XX/XXXX but no corresponding credit and certainly no back credits from the earlier charges. The rep said I would see " the credit '' on my next billing statement but when I asked if this would include both the previous credits that never posted and would resolve the problem moving forward, he was uncertain. He then suggested that the credit was {$10.00} in XXXX Cash that I receive each month ; although this is a benefit of the card, it is IN ADDITION TO the free membership to XXXX XXXX and not instead of it. He was also unable or unwilling to have someone in a better position to help ( who could see the existing case number ) follow up with me. I determined the best way to get this issue in front of someone who could help to resolve it would be this CFPB complaint. 

Worth noting : I had an unrelated fraud issue on this account after submitting the original case. My card was replaced with a new card number. Therefore, the account information provided is the updated card information after the fraud reset.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2022, Wells Fargo Dealer Services reported a hard inquiry on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advantage Credit, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 - Advantage Credit , Inc. - XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. reported 2 hard inquiries on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX Account type Credit card 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 602 A Section 2 : its also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose

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 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I got scammed into transferring money to a scammer. My bank ( XXXX XXXX said they can't offer fraud protection because the transfer was made through zelle service. When I called Zelle, they said that because the transaction was made on the bank app, they can not help me even though it was serviced through Zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
On XX/XX/2022, SPRING OAKS CAPITAL sent false, deceptive, or misleading representation in connection with the collection of a debt. Documentation sent has no signatures and doesn't validate debt or constitute a contract. This documentation is not lawful evidence of indebtedness.

SPRING OAKS CAPITAL is also furnishing false and misleading information on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These addresses do not belong on my credit report : 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 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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation