vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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:
This complaint to EXPERIAN for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number 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 2024-01-31 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX has been posting late payments to my consumer report I have tried to dispute this information for months and many disputes. it's against the law to report credit transactions on a consumer report. According to 15 U.S.Code 1681a ( 2 ) ( A ) ( i ) Exclusions it states report contains information solely as transactions or experiences between the consumer and the person making the report ; Reporting transactions is illegal.

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 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo has been mailng mediation request forms for several months, I've filled out and returned a total of nine so far. Acknowledgement letters are sent, provided tracking numbers including XXXX, XXXX, XXXX is the most recent one dated XXXX When I initially called number on letter XXXX, I was told call will be disconnected, referred to prior mediation, tracking id XXXX, in which case, no payment received from that mediation.. When I called most recently, I was told all mediation efforts have been exhausted ... The call was regarding the last tracking number, XXXX As the CFPB can see, these mediation request forms are a mere run around, future forms will be refused.. I request the CFPB look into this behavior, fine Wells Fargo for opening unauthorized accounts in my name including account ending in XXXX, a checking account and most recently, a Jewelry account, XXXX XXXX XXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 of 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 2024-01-31 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 of 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 2024-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I have had a care credit card for quite some time now and have paid as agreed. There were two instances where I accidentally chose the wrong payment account which caused a payment to be missed by the due date, but each time the payment was completed with the correct account more more than two days later. Both times company was made aware and both times they even waived the late fee given the situation. 

I went to go use it for my pets care and it turns out synchrony just closed my account without any prior notification. 

Their excuse was because of those two payment issues- which mind you are not missed or late reported payment on credit bureaus neither time did it lapse more than 5 days before issue was corrected. 

I tried having the issue escalated and they could only tell me that they had the right to close the account for any credit related reason- which again mind you this is not a credit related reason. 

Further more, they are putting my credit score at jeopardy with these irresponsible practices. 

I want them to reopen my account unless they can prove a real reason that I have no managed my account responsibly.

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 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach

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 2024-01-31 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
i had a fraud on the business checking acc. it was 4 charges, they paid me back 3 charges, and the fourth one they dont want to pay

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 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I reached out about a month ago to Chase bank to apply SCRA ( Service Member Civil Relief Act ) benefits to my account in order to reduce the interest rate and credit back interest paid and any late fees dating back to XX/XX/2023. 

The Bank refuses to do so or recognize my military service and is the only bank I have reached out to that refused to apply the benefit after I provided proof that I joined a new branch of the military. 

The SCRA States " The rate reduction for pre-service obligations applies during the period of XXXX XXXX service for most loans and, for mortgages, for an additional year after the end of XXXX XXXX service. When you make a proper request for an interest rate reduction under the SCRA, your lender must reduce your interest rate on pre-service obligations to 6 percent for the entire time you are serving on XXXX XXXX. Your lender cant add the amount of interest above 6 percent back into the loan later on after you leave XXXX XXXX. You can request an interest rate reduction from your lender at any time while you are serving on XXXX XXXX and up to 180 days after release from XXXX XXXX. 

A lender cant revoke your loan or credit account, change the terms of your credit, or refuse to grant you credit just because you exercised your SCRA rights. In addition, a lender cant furnish negative information to a credit reporting company just for invoking your SCRA rights. Remember, the SCRA requires your lender to reduce your interest rate in certain circumstances but you still have to pay back your debts. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I XXXX  {$250.00} to XXXX XXXX ON XX/XX/2023 REF # XXXX which is my sister. Through Wells Fargo bank. They claimed that I send the money to a closed account. So I request for my {$250.00} back. The very same day when my sister said she did not receive the money. WELLS FARGO claimed they can not return the money. And could not find the money. I have been trying to get my money back for almost 4, months and its falling to death ears I am retired and is in a fixed income and can not afford to lose this money usually if someone catch the problem on time the back will reverse the charges. Not in this case. WELLS FARGO refused to give me my money back. I am a XXXX, years old XXXX  I dont know what else to do. please help me. Thank you. 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 2024-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
From XX/XX/XXXX to today, the creditors closed the following accounts because of information they received from XXXX. 
XXXX XXXX - never late Bloomingdales- not late was late in the past, and this came off my records XXXX  - never late XXXX XXXX - never late Best Buy - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but more accounts are closed in the meantime. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened.

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 2024-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Was hit by a car ended up in hospital. I didnt get the chance to pay and my target credit card reported 30+ days past due. 

I called and asked if it can be removed as a courtesy the agent said it automatically happened with them waiving my past due fee. I dont think he 100 % understood what I was saying. 

Also asked about another late fee being waived. Set the account up on auto-pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I don't often check my credit and recently had a check up and ran into a lot of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my 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 explanation
Consumer complaint received 2024-01-31 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I called Synchrony Bank to let them know that I wanted a paper bill without the charge of {$1.00} a month for the paper bill. I also asked can they provide to me in writing where it states in the terms and conditions that they can charge me this {$1.00} each month for providing a paper bill. They told me that they can change the terms when they want and that they could not provide that in writing. I think that this is ridiculous and that this should be investigated to find out how a bank can change the terms and the consumer is supposed to bow down to their conditions.

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 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
EdFinancial is my current loan management system for my student loans and they have not set up my auto pay despite multiple attempts and confirmation that my request to enroll had been received. I enrolled in autopay in XXXX and received confirmation on XXXX that my request was received. I followed the manual payment in XXXX with confirmation that autopay would begin in XXXX. I was charged for the XX/XX/2023 payment at the incorrect interest rate and paid manually. Despite confirmation that I was enrolled in XXXX, my XXXX rate had not changed and my payment was marked " past due ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I noticed three inquiries on my XXXX credit report placed by XXXX XXXX on or about XX/XX/. Although these were soft inquiries, the simple fact is that I have never -- yes, never -- authorized Lexington Law access and have never even applied or inquired about any services Lexington Law offers. Lexington Law accessed my credit reports illegally with no permissible purpose at all. 

I contacted Lexington law for an explanation, and they referred me to XXXX. I spoke with a woman from XXXX multiple times, but she was incompetent and dishonest. She stated they would remove the inquiries, but they never did. She stated they would call me to discuss the issue, but they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my 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 explanation