vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EQUIFAX REFUSES TO UPDATE MY ADDRESS AND INFO. 
MY SOCIAL SECURITY CARD WAS ISSUED IN XXXX BUT NOW IN XXXX, I LIVE IN PENNSYLVANIA. need this updated and verified, and confirmed. Please send me the annual ( free ) credit report. I provided my info in the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: WI

Complaint narrative:
I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home and this is not fair. This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My credit card limit is {$300.00} and now with fee and charges, the amount I owe is over {$500.00}. There's is no way I should have to pay over {$200.00} in fee and charges.. Need help with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I found out my account was closed by Wells Fargo on XX/XX/2023. The account had approximately {$10000.00} if funds. I learned of the closing of the account when I checked my account online. I have received no explanation from Wells Fargo and can not access the account. When I call Wells Fargo I receive different explanations as to where my funds went and why my account was closed. These funds are all of my savings. I need the funds for my college tuition which I now can not pay. After I learned my checking account was closed, I attempted to move the funds in my savings account to another bank. Wells Fargo then closed that account and I can not access approximately {$2500.00} that remained in that account. I have recieved no written explanation whatsoever from Wells Fargo. When I ask them why this occured via telephone I can not get a response.

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 2023-02-09 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting that XXXX, XXXX, and TRANSUNION remove this collection account from my credit report. I sent a letter last month to XXXX XXXX and the credit reporting agencies regarding a collection account that is reporting on my credit report. The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company XXXX XXXX a right to ignore my requests. I sent a letter XX/XX/22 asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also asked for validation but was not provided that information. This company also does not have a license in the state of Texas to collect any debt. They also do not have a legitimate website and so I am confused how the collection reporting agencies are allowing a company that is not verified to furnish data. There are many FDCPA and FCRA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting that XXXX, EQUIFAX, and XXXX remove this collection account from my credit report. I sent a letter last month to XXXX XXXX and the credit reporting agencies regarding a collection account that is reporting on my credit report. The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company XXXX XXXX a right to ignore my requests. I sent a letter XX/XX/22 asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also asked for validation but was not provided that information. This company also does not have a license in the state of Texas to collect any debt. They also do not have a legitimate website and so I am confused how the collection reporting agencies are allowing a company that is not verified to furnish data. There are many FDCPA and FCRA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XX/XX/XXXX : XXXX XXXX XXXX called me about an outstanding debt. I requested a written invoice or bill to determine if was actually mine. I verified my address and was told it would be sent. 

XX/XX/XXXX : No correspondence from XXXX XXXX XXXX & found out the account was sent to Medicred. Spoke to a rep from Medicred who told me the XXXX XXXX XXXX debt had been forwarded to them for collection. I verified my address & asked for written documentation detailing the debt be mailed to me. 

XX/XX/XXXX : Called Medicred again because I still haven't received anything from XXXX XXXX XXXX or Medicred. Spoke to XXXX and verified my address again & requested a bill or invoice be mailed to me. 

XX/XX/XXXX : Called Medicred again & spoke to XXXX & requested to speak to a supervisor ( XXXX ). My name, address & DOB were verified twice on the call. I again requested a copy of the bill or invoice be mailed to my address. XXXX attempted to get me to validate I owed the {$780.00} debt verbally & not provide the bill. I told him I had not received an Explanation of Benefits ( EOB ) from XXXX for any charges not covered by insurance and need to see documentation to confirm if the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: U.S. BANCORP
State: NH

Complaint narrative:
US bank Claim # XXXX I had contacted US bank on XX/XX/XXXX at around XXXX and spent 45 mins explaining the dispute situation wherein I was disputing the charge from XXXX for {$390.00} out of which I was disputing only {$190.00} which is half the amount. 

Originally I had purchased two pairs of XXXX XXXX from this merchant {$190.00} each which totaled to {$390.00} for 2 pairs. I received only 1 pair so I called XXXX and they refunded me for one pair that was missing and that was {$190.00} and then 1 day after I tried to return the second pair which I had actually received but I couldn't as XXXX deactivated my online account and told me that they wouldn't activate it so if I wanted the money back the only way to do that was to dispute the remaining {$190.00} with my bank and I explained this entire situation to " XXXX '' who claimed to be the manager at the US bank card member services and he assured me that there won't be any mishaps. I spent 45 mins on the call, but guess what US bank closed my dispute saying that XXXX already gave you a refund of {$190.00}. 

Are you seriously XXXX? Neither XXXX nor the adjustor are fit to be in the job they are. Has the adjustor even looked at this properly before closing this out and when I called back on XX/XX/XXXX at XXXX EST the lady I spoke to dint even care. I told her I will go to CFBP and she said go ahead. This is ridiculous. Her name was XXXX. 

US bank has the worst customer care agents and is the toughest bank to deal with. 

I had clearly mentioned that I am disputing the other half which is {$190.00}. 

Claim # XXXX I need my {$190.00} back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I called and ask when my card would cycle for the month and the guy said on the XXXX. I told him I was trying to avoid putting to much on that months purchases so I could avoid finance charges. I also told him I want the payment date moved until the XXXX of the month and he tells me he can only can make it the XXXX of the month. He said don't worry it will not effect this months cycle and the card will still cycle on the XXXX. Pending charges have now been applied as they changed the cycle date after they said that it would not effect the cycle date. I call to complain about it and spoke to a so called manager and he said I can ask to put it back to the way it was but that will take 30 days. It only took someone 30 seconds to lie and XXXX up this account making my next months bill out of reach to avoid interest. I know complaining here is actually a waste of time as the CFPB does nothing but make up a data based on consumers complaints, So when does the government step up and do something? I guess this will also be filed with the Indiana Attorney General after the reply from Synchrony Bank which will continue to abuse their customers and do nothing to correct their inability to do what they say!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, consumer did not give equifax written instructions to furnish the identified information ( see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My credit rating was XXXX in XXXX of last year. I am retired, own my home and car, have no loans, no debt, and no late payments. For security reasons my credit ratings were frozen ( by me ) years ago. Several years ago I opened a blue AMEX XXXX XXXX Card at their offer, used it for a very short time, made sure it was paid off, told AMEX to cancel it, I then cut up the card and threw it away. Unknown to me until sometime after XX/XX/2022 AMEX reported ( to the collection agencies ) that I was delinquent for just over {$30.00} on a charge made with this card in XXXXXXXX XXXX XXXX My credit rating dropped to the low XXXX. I was never informed by AMEX by phone, email, or mail about this issue. I found out in the fall of last year while checking my credit. It took months to get AMEX to admit I did not make that XXXX {$30.00} charge, cancel the card ( again ) and inform the credit agencies that there was no delinquent charge. My credit only returned to XXXX. AMEX and the credit agencies pointed the fingers at each other for the reason. Two days ago I found out AMEX did it again ( for the exact same card ) in XX/XX/2022 and my credit rating dropped to the XXXX. Yesterday I spoke with seven different representatives at AMEX plus a call to XXXX. Every AMEX representative gave me a completely different and contradictory reason and course of action. The issue is sill not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Self Financial Inc.
State: PA

Complaint narrative:
Self Financial Inc, is reporting on my credit report file that I am late on payments which is Federally illegal to report also my right to privacy is violated. 

according to 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S. Code 1681 section 602 States consumers have a right to privacy and they are not giving me any privacy by reporting my financial transactions to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
During The XXXX of XX/XX/2023 I sent a letter of validation of the bill for account ( XXXX ) to Capital ONE auto finance ( all certified mail/ hand written ), asked the company to send me evidence and bank statements with my name on it, and they did not send statements or remittance coupons with my name on it. I also sent a notice to the CFO of Capital One, telling him I am going to send remittance coupons instead of having my checking account debited. I also got approved for a Capital One credit card and 10 days later, they closed my credit card account ( see enclosed ) ( adverse action ) and added an unknown balance to my car auto finance portal. I was still never supplied with the information I asked for ( see enclosed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've sent certified mail asking for the company to remove the fraud alert

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Brightfunders, LLC
State: MD

Complaint narrative:
I am an active participant in the MD HAF program since XX/XX/XXXX I was approved on XX/XX/XXXX for Mortgage, Utility and HOA assistance. 

My previous loan servicer Lower LLC reported my account as late and they have yet to apply the funds to my account. It was admitted that they received a check on my behalf, however returned the check because of a discrepancy in the amount. The amount was " too much '' as confirmed by Loss mitigation- so they sent the check back and within 5 days reported my account as late. 

According to new regulations, servicers aren't supposed to penalize and adversely report late payments to credit bureaus knowing the applicant is both participating and approved for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I held a checking account with Wells Fargo during XXXXXXXX XXXX XXXXXXXX. I authorized a single payment to a merchant via my debit card. However, the merchant charged my card several times ( the same amount, minutes apart ) due to an error in the merchant 's system. The single authorized charge was about {$50.00} and the merchant made 12 transaction attempts that actually were processed, but it wasn't indicated on their part. I didn't realize the error charges until a day or two later. I called the merchant immediately and they refused to reimburse me. I even spoke with the owner who resisted despite the obvious error on their part. I was only left with one option which was contacting Wells Fargo and submitting a claim to reverse the charges. I thought it was an obvious fix, but Wells Fargo did not find reverse the charges. The recommendation was to resolve this with the merchant so the charges could be refunded. I shared my attempt to resolve this with the merchant to no avail. I even visited the bank in person and was told the same thing. They could not reverse the charges and contact the merchant for a refund. 

I had several ongoing issues such as illegitimate overdraft fees and random inexplicable charges from Wells Fargo on my account during that time. I attached a few of the emails from that time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

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. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 explanation