vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My account was wrongly closed through no fault of my own after depositing a check. This has caused me to miss work and am also unable to pay bills and have suffered eviction as well.

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 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express is refusing to update my address or reset my online log in. Therefore I am unable to see my statement bill or pay off the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC
State: OR

Complaint narrative:
I recently filed a formal complaint and received a response that was completely fabricated. Furthermore, I have experienced retaliation from the company after filing the initial complaint with my credit limit being decreased and adverse action even though a recent payment has been made. 

I will blast a bad name for this organization going forward and am appalled at how they treat customers and increase fees as they see fit. As a person with a XXXX level education, to the CFO of this company, not sure how you sleep at night knowing your company is the exact thing wrong with this country. Terrible display of corporate power to stomp on the little guys trying to stay above water.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: NV

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 2024-06-01 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: NV

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 2024-06-01 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: MD

Complaint narrative:
I have a few accounts that's on my profile that belongs to my father. I sent in all the paperwork to show the incorrect. Still haven't gotten any verification. The following accounts do not belong to me. 

XXXX XXXX XXXX {$5200.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$10000.00} opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$320.00} opened XX/XX/XXXX XXXX / Dept of Ed {$8700.00} opened XX/XX/XXXX XXXX / Dept of Ed {$2600.00} opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: MD

Complaint narrative:
I have a few accounts that's on my profile that belongs to my father. I sent in all the paperwork to show the incorrect. Still haven't gotten any verification. The following accounts do not belong to me. 

XXXX XXXX XXXX {$5200.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$10000.00} opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$320.00} opened XX/XX/XXXX XXXX / Dept of Ed {$8700.00} opened XX/XX/XXXX XXXX / Dept of Ed {$2600.00} opened XX/XX/XXXXXXXX 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 2024-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
In XX/XX/XXXX, I was awarded a new Living Spaces account through Synchrony Bank which was 18 months NO INTEREST. A friend brought my attention to one of his XXXX agreements where they changed ( rather, added ) interest fees to a no-interest promotional purchase at {$2.00} per {$100.00} balance. My agreement had the same note, and said the charges would begin XX/XX/XXXX, and that I could opt out of the new changes but would not be able to make any new purchases on the account. But they've already retroactively charged this fee for the last two months on my account. 
PLUS they have added a {$2.00} paper statement fee to my account when I have opted for electronic communication! This feels like a breach of contract.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: Advance America, Cash Advance Centers, Inc.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-06-01 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: FL

Complaint narrative:
Experian keeps reporting this account as resolve, but do not delete or remove from my account even though I have sent letters to the original creditor, and the matter had already been settled. 
I decided to exercise my right and Up out under the provisions of the 15 USC 6802 of the Gramm-leach-Bliley Act since I noticed that the original creditor had two other collection companies trying to collect the same debt. It worries me that my personal information might be misused, I also requested a XXXXXXXX XXXX XXXX Which is still havent received. I wrote them directly to resolve this matter privately they use any parties. 

See attachment

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 2024-06-01 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: MD

Complaint narrative:
I pulled my reports and noticed some unauthorized inquiries that were not initiated by me. Please remove as a results of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am exercising my report to have this disputed and investigated as these accounts are being reported wrongfully on my credit file. I should receive {$1000.00} for each incorrect report on my credit file based on the Fair Credit Report Act. I know that FCRA 605B requires us to report any incorrect accounts being reported on a consumer 's 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 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a male preference for an agent. Have a male XXXX team member contact me by email so that I can resolve a recent CLAIM. There's no way I'm responsible for a fraudulent " company 's '' misleading crypto account charges. Messages I got in online banking mentioned RISK FACTORS, BUT THIS HAS NOTHING TO DO W/ RISK. Everyone knows there are risk factors in legit investing. This " co. '' XXXX locked me out of my account & didn't let me back in for 2 months. I can't access anything on it. I did XXXX facial recognitions that showed up as " verified '' & still couldn't access my account. The only way to contact them is chat. Chat acts unassuming- then does nothing. I looked up their reviews & others have had similar experiences getting locked out permanently because they want to steal interest that accrues after an account holder has enough invested & is doing well. Others have also had unauthorized charges.There was a recent surge in XXXX & that's when they locked me out. SO THIS IS FRAUDULENT. I'LL EXPECT YOU TO INVESTIGATE & GET MY FUNDS BACK IN FULL. ALL THE PURCHASES, NOT THE INTEREST - EVERY REAL INVESTOR KNOWS BANKS CAN'T GET THINGS LIKE INTEREST BACK!!!! - THAT I MADE FOR XXXX THAT I NOW DON'T HAVE ACCESS TO. RISK FACTORS ONLY APPLY TO LEGIT INVESTING COMPANIES. GET BACK TO ME IMMEDIATELY. This is probably the biggest crypto scam in the XXXX & I've already reported it to authorities.

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 2024-06-01 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: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I had a dispute XXXX with XXXX that was initially not resolved in my favor so the provisional credit was reversed and then this was reopened and then resolved in my favor but never received a permanent credit for this - {$26.00}. I have made multiple calls and the last I spoke to a manger named XXXX who was one of the most rude and disrespectful managers that doesn't deserve a job at all and should be fired. I need my credit

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 2024-06-01 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: MD

Complaint narrative:
I have a few accounts that's on my profile that belongs to my father. I sent in all the paperwork to show the incorrect. Still haven't gotten any verification. The following accounts do not belong to me. 

XXXX XXXX XXXX {$5200.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$10000.00} opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$320.00} opened XX/XX/XXXX XXXX / Dept of Ed {$8700.00} opened XX/XX/XXXX XXXX / Dept of Ed {$2600.00} opened XX/XX/XXXXXXXX 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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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, Experian, and XXXX 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 explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: 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. 

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 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A. States I have a 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 to any consumer reporting agency if the personal 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 2024-06-01 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: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I explicitly request an immediate and comprehensive investigation into the following account : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: Ava Finance, Inc
State: TX

Complaint narrative:
Ava Finance Inc. 

This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts Ava Finance Inc Account # XXXX Account # XXXX for violation of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, Ava Finance Inc. is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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 explanation