vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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: IN

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 5 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXXXXXX {$36000.00} opened XX/XX/2019 is still reporting on my account but that debt has been discharged.

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 2023-02-08 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I contacted the company to close the account following the " Support '' link on their homepage. I received a follow-up email from their support representation, XXXX, XXXX XX/XX/2023 at XXXX ( PST ) in which he described the requirement to simply respond with " I agree ''. 

When I posed a simple follow-up question about the terms of closing the account, I received multiple responses that indicated I must call the company. I then responded with " I agree '' - 100 % fulfilling their requirements to close out the account. 

Customer support continued to harass me by requiring a phone call to close the account. The company is therefore not following their own policies and procedures for account closures. This is simply harassment caused by me questioning the prorating or elimination of the yearly charge- for NEXT year ( starting in XXXX period. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: OR

Complaint narrative:
So XXXX wanting to file a UDAAP complaint due to me ordering a card under certain provisions that it was going to be a replacement card for broken card and that it would come with the same identical card number just a new expiration date I ordered this on until XXXX of XXXX right before my bills were coming out of my direct express card and I am a recipient of SSI supplemental security income. And so I confirmed that I was ordering a replacement card for a broken card or damage card and I confirm that and then I got an email a few minutes later that said that they had in fact blocked my card and I was being issued a new one with the new number and so all my bills that I had coming up in 2 days had nowhere to take money out of. As a result I incurred {$190.00} and some change for late fees and subscription bounced payments failed of payment attempts etc. Unfortunately US direct Express does not allow for screenshots on their website so I was unable to get any screenshots for verification but the complaint type wanting to file is against US direct Express or direct Express is what they're called and then the card issuers for them are Comerica Bank. According to what I was informed I was informed what is listed below : The bank would be liable for the damages incurred due to their mistake in changing the type of card without proper notice. It is the bank 's responsibility to ensure clear and accurate communication with their customers, and any miscommunication or errors on their part can result in financial losses or inconvenience to the customer. If you've been affected by the bank 's actions, you may consider reaching out to their customer support or a higher authority such as a consumer protection agency to seek compensation for the damages. 

And to further the complication of this whole situation I got a hold of Comerica who is the corp for US direct Express and the person from the division for escalation reached out to me and she told me that this option that they have on the direct Express app is known about they know about that problem and that direct express just doesn't have a way to honor that option so like there's other people that have been going through it too as well and it's caused me a lot of heartache and a lot of setbacks and everything else. 

So to summarize this is my official complaint is that : the bank promised to reissue a card with the same original card number and then changed the card number without proper notice or consent, it could be considered a UDAAP violation Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. UDAAP regulations prohibit financial institutions from engaging in practices that are unfair, deceptive, or abusive to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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: NV

Complaint narrative:
XXXX XXXX XXXX Date opened XXXX  {$36000.00} is still reporting on my credit report but that debt has been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Late payments are incorrectly being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: IN

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: EQUIFAX, INC.
State: CT

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXXXXXX, XXXX # XXXX, Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer And the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company.1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CT

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXX XXXX # XXXX, Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer And the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company.1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-02-08 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: NY

Complaint narrative:
I have 4 student loans listed on my Equifax from XXXX  XXXX XXXX that should have been updated based on my entry and completion of the student loan fresh start program. These student loan accounts have not been updated to reflect that these loans are currently out of default. The payment history for these loans is also incorrect. In addition, XXXX  XXXX XXXX is no longer operational as a student loan servicer. I tried to reach them directly, but the phone number XXXX is defunct. My compliant is that Equifax could not have conducted an investigation with an organization that is no longer functioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Debit card fees when you use ATM that's not Wells Fargo they charge you additional ATM fee!

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 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX XXXX there was a check of XXXX and a check of XXXX being deposited into my account and they were able to withdraw {$980.00} from that transaction. The next day on XXXX XXXX XXXX  there was another check of {$1300.00} that was deposited into my account. They withdrew that day XXXX from the atm. on XX/XX/ they withdrew XXXX from the atm. On XX/XX/2023 they attempted to deposit a check of XXXX but the check bounced. I then looked at my transactions and saw all these transactions that were not mine. They were able to withdraw all my money from my account and left me with nothing. I filed a claim with chase and they denied my claim twice. They said that the money I had in my account was to be considered a total loss since there was no bad attempts when entering the pin to the atm. These checks that they authorized did not have my name, routing, or account number written on them. As well as these transaction being done in multiple city 's. I emphasized this several times and they were not helpful with resolving my issue. There was fraud done on my account and they are not helping get my situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My name is XXXX XXXX and I opened a Citibank checking account on or around XX/XX/23 making my first deposit of {$24000.00} on XX/XX/23 to account # XXXX. I've also just moved from XXXX XXXX XXXX XXXX XXXX here in the past week or two deciding to split from my very abusive husband abruptly. I called the bank to activate my card once it finally arrived to my new address through expedited shipping and everything went successful so I was told. I tried to use it that night for dinner and it's declined then I try to use it again at ATM that same night thinking there should have been a mistake somewhere or could have been and will behold it's declined. I called the bank and they tell me I have to call central time because their system was updating and they had no access to the account information. I called it XXXX XXXX and told them what happened the representative assured me everything is okay now and the card was successfully unblocked and ready to use. That same afternoon I tried to attempt to make a purchase at XXXX and again the card is declined. Once I call the bank I am escalated to the fraud department and the representative told me that my account was going to be blocked until further notice because my phone number was not verified or registered. She then hung up on me and did not offer any further clarification or details as to what she had mentioned being the reason for this block. Again this is the same phone number that I used when I opens the account nothing had changed. After more calls to more Representatives and given the same answer I'm at my breaking point and forcing an EVICTION and discovery by my abusive husband since I tried everything possible to make my phone number public data for Citibank. I even went as far as purchasing a prepaid XXXX and going online and registering the phone to my name. This is putting me at tremendous risk and I can not further risk my safety just to get my account unlocked because my life and safety are at Great risk. I have successfully complied and given every security answer with a green light to every inquiry they have asked to verify my identity but at this point I don't know what the f*** they're asking anymore this whole phone number verification stupid registration thing is absolutely Bonkers and I feel like they are unjustly holding my funds from me and this is not right nor can it or should it be legal. It is my choice as an American to have any phone number I'd choose or Carrier or non-carrier if I want to prepaid service I should be able to have that prepaid service especially if the phone number is the same phone number I used when opening the account. This is my formal complaint regarding Citibank and they're fraudulent ways of holding my funds and freezing my account for no reason whatsoever.

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 2023-02-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX has all 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 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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: IN

Complaint narrative:
According to the laws USC 1681 and USC 1681s2 my rights were violated by this company. The law states that I have a right to privacy and did not give permission to have this put on my credit report. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
my wife and i had been trying to receive a loan modification from wells fargo home mortgage we were denied at first, then approved, then they sent the money back. we have been doing this for over a few years. the amount of fees and penalties and no response finally we did receive a modification but it put us in money owed over XXXX dollars.

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 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Late payments are incorrectly being reported

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 2023-02-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Late payments are incorrectly being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: NC

Complaint narrative:
Late payments are incorrectly being reported

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 2023-02-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-02-08 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: NJ

Complaint narrative:
i was reviewing my credit report and realized there were negative accounts on it.

Company response to consumer: Closed with explanation