vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I called Wells Fargo. I asked why I wasn't notified the promotional interest rate would expire in XXXX. I asked for a refund for XXXX and XXXX interest payments, since I didn't receive a letter in the mail or any notice of when the date was changing. I was told no this was not possible ( only a {$50.00} fee could be given ) Further, my minimum payment jumped from {$100.00} to {$400.00} during this time. I was confused how the payment could jump so significantly. I was told the minimum payment is 1 % of the balance due plus includes any fees & interest. I thought ( per other banks ) the minimum balance due is always a % of the balance. That's a significant jump, and an even harder hole to crawl out of. 

I have {$600.00} of interest being charged over the course of two months. 30 % interest rate and a payment of 1 % plus interest so {$800.00} due today. My account is {$41.00} dollars over the credit limit again thanks to the {$600.00} in interest. I'm at risk of default, and wells fargo offered no guidance or clear disclosure to ensure I was prepared for the months ahead.

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 2023-08-18 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-18 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: CA

Complaint narrative:
I was the victim of identity theft and had someone fraudulently apply for several credit cards using my personal information. I was able to deal with the creditors to fix this, as well as two of the three credit bureaus to remove the hard inquiries. TransUnion still has two fraudulent hard inquiries on my account, and is being very difficult about removing them. I have called them three separate times ( most recently spoke to " XXXX '' ), and all three times they claim they're waiting to hear back from the banks XXXX XXXX XXXX XXXX and XXXX XXXX ). I spoke to both banks several times, and both said they sent notice to all credit bureaus indicating that the inquiries were fraud. Only TransUnion has not removed them.

Here are the two fraudulent hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-08-18 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-18 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

16 U.S.C 1681 section 604 A Section 2 : of also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

16 U.S.C 1681 section 604 A Section 2 : of also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-18 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: FL

Complaint narrative:
Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update this account completely from my credit reports. 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 non-monetary relief
Consumer complaint received 2023-08-18 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: FL

Complaint narrative:
Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update this account completely from my credit reports. XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I recently notice that someone was applying for credit in my name, I contacted the credit companies and the credit reporting bureaus and noone was willing or able to help me get my situation straightened out.

Once i noticed these fraudulent inquiries I. immediately contacted the creditors and the credit bureaus, neither were willing to assist me with my 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 explanation
Consumer complaint received 2023-08-18 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
Chexsystems is housing invalid information about me in there consumer reports. It has prevented me from opening up accounts at other financial institutions. I have tried to fix this issue on several occasions yet it stills remains. It has caused me to get hard inquiries only to be denied due to the false reporting from chexsysytems.

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 2023-08-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My EDD unemployment debit card, issued by Bank of America Prepaid was frauded over a month ago. I submitted a fraud claim and they keep denying it. It initially took almost a week just to submit the claim because the bank computers were down! I have tried to escalate but it is very difficult to get in touch with any managers. Please call me back as soon as possible with a resolution. The amount frauded was almost {$800.00} and it was over a month ago that I filed the claim! It's a lot of money for someone that is on unemployemnt. I also want you to know that I did my own investigation and found 3 charges on the same day to XXXX for {$140.00} and I called their fraud department. They told me that it was done with a digital card at a gas pump in XXXX, CA. They have the pictures from the camera and the video. Bank of America said that they keep on denying me because of the use of a chipped card. That is not true because I called XXXX and they said it was a digital card. In addition, they also overdrew the prepaid card, which is impossible to do, unless this is an inside job at Bank of Americal So not only am I loosing on the fraud but they also took future benefit payments on this STUPID card. Please help!!!

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 2023-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: WI

Complaint narrative:
XX/XX/2023 Talked with debt collector inregards to collecting a debt using unfair practices. 
Trying to collect with wrong account information and no validity of the debt. The collection is not within guidelines for scoring algorithm and is a collection account. No history is available and would like it removed from the account. I assume it as Identity fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: LEXISNEXIS
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Received two calls on the same day XX/XX/2023 from different numbers- one to my work phone at XXXX, and one to my personal phone at XXXX. Call to my personal number identified as Portfolio Recovery, and the one to my work number displayed Unknown ( my work phone is set up to display caller ID just like my personal phone. ) I was able to verify the source of the call to my work phone as Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: NC

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-18 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:
I was a victim of identity theft and the information on my credit reports are inaccurate. Hence why I would like to have the following accounts removed from my credit profile please. 

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

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 2023-08-18 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: U.S. BANCORP
State: SC

Complaint narrative:
Feels like a SCAM!!! 

When I got the zero interest promotion, Kept calling about the bill, I was advised that there would be a central billing account but I later learned that the central billing statement was not set up. While waiting for the central billing issue to be corrected they unbenounced to me changed my interest rate. Later I started getting bills but the payments ere 3x what I should be paying so i called and they reset my interest rate. I payed the payment posted after the interest rate was reset. Then I noticed that the Payments went back up.This occured at least three times. I called again and they told me that the rate would be reset but with this type of account the payments can't be late even if in dispute. I made the payment prior to the due date as directed and the interest is again high and Ithis time sends my balance over the limit on the card. i am now told that they can not reset the rate until the account is brought under the limit, I said the account would not be over the limit if the interest rate was not changed. they refused to reset the interest rate and or reverse the unethical charges, Everytime I call there is a different reason the interest rate was changed. I think thisis part of their scam and the 0 % interest rate was the lure. And they deliberately put obstacles in the way to create reasons to adjust the interest rate. 

These XXXX XXXX XXXX are predatory and deliberate in their processes to defraud their customers and the public.

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 2023-08-18 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Violation of 15 U.S. Code ss.1681 ( a ) ( 4 ) - Consumer 's right to privacy. Notice that in certainty, I, the affiant, am a consumer and have the right to privacy under section 1682 ( a ) ( 4 ) of the United States Code. By disclosing private information about me without obtaining my written consent or any valid legal authority, XXXX XXXX has breached my right to privacy. 


account was last reported on XX/XX/2021 with a balance amount of {$3400.00}

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 2023-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-08-18 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: Experian Information Solutions Inc.
State: CA

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 submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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