vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 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: TX

Complaint narrative:
To whom it may concern, The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 A person shall 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.

( B ) Reporting information after confirmation of errors.

A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact accurate. 

The credit bureau has no respect for laws, and I expect them to be held accountable.

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 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had three credit card accounts with Synchrony Bank, PayPal Mastercard Account Number XXXX, Verizon Visa Card Account Number XXXX, and Amazon Store Card Account Number XXXX. My Verizon Visa account was closed on after missing a couple of payments due to me being in a car crash and being in the hospital, I contacted Synchrony CEO XXXX XXXX, explained my situation, and a representative from Synchrony Bank reach out to me and reopened my account on XX/XX/2023, and then closed all three of the accounts on XX/XX/XXXX were closed. They are in violation of my consumer rights of equal opportunity act. I demand that Synchrony Bank reopen my accounts due to violation of the Equal Credit Opportunity Act. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15. U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Synchrony Bank Financial has violated my federally protected consumer rights.

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 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: TX

Complaint narrative:
I am filing this case because LCI Consumer Center responded to my complaint stating that they are not the appropriate company to address my issue. That is untrue. LCI Consumer Center sent me a letter which I have attached stating that they act as a furnisher and provide bankruptcy information to XXXX. Please see attached 1st and 3rd page. 

LCI Consumer Center also stated that I should contact the US Bankruptcy court where it was filed. I did contact them and they stated that the credit bureaus obtained this information independently and that the US Bankruptcy Court does not report information to or remove information from the credit bureaus. Please see the 2nd page. 

LCI Consumer Center has falsified their verification method and submitted it to XXXX which is now on my credit report and have yet to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: IL

Complaint narrative:
I am writing this email because this is the second time that i received a collection letter Frontline Asset Strategies on an account that supposedly belongs me in XXXX for which i have taken action and have communicated on several occasions and have contacted the authorized stores in search of advice and through they have contacted customer service from their internal lines and according to them they have created a fraud report since I DO NOT RECOGNIZE such charges since i do not even have a telephone line in the aforementioned company Please, I request that the respective investigations be carried out on said case and that that an answer be obtained regarding said account, which, if it existed, was made without my consent. Attached Copy the report of Police and letter that colector send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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:
To whom it may concern, The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 A person shall 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.

( B ) Reporting information after confirmation of errors.

A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact accurate.

The credit bureau has no respect for laws, and I expect them to be held accountable.

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 2023-04-01 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:
To whom it may concern, The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 A person shall 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.

( B ) Reporting information after confirmation of errors. 
A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact accurate. 

The credit bureau has no respect for laws, and I expect them to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: Chime Financial Inc
State: CA

Complaint narrative:
chime bank took money from my account on XX/XX/2023 and on XX/XX/2023 I asked chime bank on XX/XX/2023 to give me back my funds cause i never authorized any transaction with a company called XXXX I have no idea who they are at all. chime said they will look into it. but then abruptly denied my claim ( XXXX ) without investigating anything. chime said they will send me a new debit card. funds in the amount of {$19.00} twice unathorized. they owe me {$39.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
From the day I opened my American Express, Delta sky Miles card. I had text message reminders set up to pay my bill on time. After looking over one of my statements, I realized that I had been getting text message reminder sent to me two days after my due date and being charged late fees and interest because of this American Express purposely sent me text reminders after the due date for my payment and then charged me accordingly I reached out to them and they refused to do anything about it. I offered to send them screenshots and they said that they were not able to get screenshots this is the second account in which I have been lied to and the result has been me unable to continue to pay for my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I find out some charges that are not mine I did not had the card on my possession I opened a claim and on the same day they closed They said because I got benefit of the purchase I wasnt even at home I was XXXX miles away on those days I never received any service And the hotel charges are not mine I did not stay there. The hotel has canceled all the stays because they did not had a room ready after 8 hours of waiting I was told they will refund they did not so I called the credit card They took the statement and resolved as soon as we hung up saying Too bad I have called them several times with new info but they just ignored me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: IL

Complaint narrative:
Yes, I have historical notes on this one with the company and on here but XXXX took an additional payment of {$300.00} from me in XXXX and it was never recovered or applied to my account correctly. They have never recovered my money and continues to harass myself my cosigner ( XXXX ) for payments most times after I have already made a payment. I would like to see a ledger in case I am in fact wrong and recently asked for one and I hav n't seen it in the mail yet. I have continued to pay since XXXX regardless. That payment has not been recovered and the balance has not decreased. I have even asked for a full account ledger. My cosigner also said that you took money from him for a consolidation program .... ummmm what? What are you talking about consolidation program? Those loans should all be paid at one time via one payment that's the only consolidation I know of. Please explain my payment history and the credits to my account from XXXX. We don't want to talk you guys either but I would personally like to go over my ledger and apply credits or adjustments to my account and our credit reports as needed. Thanks.

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 2023-04-01 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: IL

Complaint narrative:
Yes, I have historical notes on this one with the company and on here but XXXX took an additional payment of {$300.00} from me in XXXX  and it was never recovered or applied to my account correctly. They have never recovered my money and continues to harass myself my cosigner ( XXXX ) for payments most times after I have already made a payment. I would like to see a ledger in case I am in fact wrong and recently asked for one and I hav n't seen it in the mail yet. I have continued to pay since XXXX regardless. That payment has not been recovered and the balance has not decreased. I have even asked for a full account ledger. My cosigner also said that you took money from him for a consolidation program .... ummmm what? What are you talking about consolidation program? Those loans should all be paid at one time via one payment that's the only consolidation I know of. Please explain my payment history and the credits to my account from XXXX We don't want to talk you guys either but I would personally like to go over my ledger and apply credits or adjustments to my account and our credit reports as needed. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Yes, I have historical notes on this one with the company and on here but XXXX took an additional payment of {$300.00} from me in XXXX and it was never recovered or applied to my account correctly. They have never recovered my money and continues to harass myself my cosigner ( XXXX ) for payments most times after I have already made a payment. I would like to see a ledger in case I am in fact wrong and recently asked for one and I hav n't seen it in the mail yet. I have continued to pay since XXXX regardless. That payment has not been recovered and the balance has not decreased. I have even asked for a full account ledger. My cosigner also said that you took money from him for a consolidation program .... ummmm what? What are you talking about consolidation program? Those loans should all be paid at one time via one payment that's the only consolidation I know of. Please explain my payment history and the credits to my account from XXXX. We don't want to talk you guys either but I would personally like to go over my ledger and apply credits or adjustments to my account and our credit reports as needed. Thanks.

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 2023-04-01 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: AR

Complaint narrative:
I am submitting another CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$7700.00} XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$2100.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
When they called me Wells Fargo said I don't have no accounts existing or even having any kind of account they said I was negative in my account which it was fraud account I at the time it was the fraud department did not do their job they end up charging me tons of money like over {$2000.00} in debt when I had over XXXX XXXX dollars in Wells Fargo please help me regarding this matter I have original documents I have the stock of Wells Fargo on my wallet accounts the original stock market stock certificate for Wells Fargo I was given this by my inheritance from my dad please deal with this as soon as possible we continue to have an investigation on Wells Fargo and nothing gets done no one contacts me except one guy at the Wells Fargo CEO Company also wealth Management for Wells Fargo gets hold of me and they say they're not doing anything for me I am the CEO of Wells Fargo and originally hold her because they have authority over me did not make them right I am without food I have Little shelter I'm living the way I can for right now it's not fair enough for me having {$250.00} XXXX dollars and not be able to get a hold of it because they're greed because they want to be power and control I want to sue them the much as I can and continue to have accounts with Wells Fargo that's my grandma XXXX 's name and Fargo Wells Fargo and Fargo got married that's the reason why they joined it together it was called Wells then it was called Fargo because they want power control I want them fired and no longer working for Wells Fargo anymore I want to hire a new crew to do what I asked him to do I'm also in college up in XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX I can pronounce the word because my English is horrible I don't understand my own language please I want something legally action done to it please help me do an investigation all over again I just remembered to come back to you I forget I got hit in the head 2 years ago and it almost died had three XXXX since then I almost lost my life please help me

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 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
I received a promotion to add a co owner to my Apple Card thru my app if you add a co owner & they spend {$100.00} in the 1st month they receive {$100.00} in XXXX XXXX. Well my husband did not get his money & I have called 7 times all they do is tell me they understand apologize then 2 days later I get an email stating they did not make an error.. But every single time I call they just tell me more & more things that was supposed to be. I was supposed to do this or that, now I am starting to think they are not wanting to honor the promotion that they just had some credit card quota to meet. They told me once he was supposed to spend the {$100.00} get the XXXX XXXX then spend more. I told them no. Then they said it had to come thru a targeted e-mail & when I told them it came thru my app then they said I needed to go thru a link. I am like OMG!!!! I am so frustrated because my husband bought a almost {$400.00} item cause he thought he was getting that {$100.00}. I feel like this was a scam or something can someone please investigate this because I am sure I am not the only one.

Company response to consumer: Closed with monetary relief