vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy / XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy / XXXX/ {$0.00}

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 non-monetary relief
Consumer complaint received 2022-04-27 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: TX

Complaint narrative:
On XX/XX/XXXX, the annual fee of my Amex XXXX card posted. On XX/XX/XXXX, I was trying to cancel it, but the webpage and mobile chat were both down, so I could not, and I assumed the phone department would not work because of that. I waited a day to contact Amex to cancel the card. On XX/XX/XXXX, I was told even if I closed the card, they wouldn't refund the annual fee because I was 1 day too late, and it's my fault that I did not contact them a day earlier although their chat was down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TX

Complaint narrative:
I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. 

I have attached the FTC identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, my debit card ending in XXXX and attached to my Bank of America XXXX XXXX account was charged with 3 fraudulent charges totaling {$230.00}. I called Bank of America and reported the fraudulent charges and they credited the 3 charges while the fraud claim was investigated. 

In XXXX, the Bank sent me a letter stating that 2 of the charges were found to be fraudulent and credited me {$140.00}, but a 3rd charge for {$89.00} was determined not to be in error by the " merchant '' for a product I never ordered and never heard of. I called the Bank and told them I didn't agree with their findings. All three of the charges were fraudulent. The bank 's claim department stated the " merchant '' showed proof by showing that I agreed to the " merchant 's '' Terms & Conditions, gave my credit card number and there was a USPS tracking number and a phone number for the " merchant 's '' customer service line.

I went to the USPS tracking website and entered the provided number. It shows something that was shipped 2 weeks prior to the date of the charge. It also shows something delivered to XXXX, NC, but provided no delivery address. I also tried calling the customer service number only to get a recording that the number was not in service. 

When I called and wrote back to Bank of America about these 2 obvious false claims, their response was that I needed to send more proof that I didn't place the order for this item ( Keto supplements ). I asked if the Claims reviewer checked on either of these 2 obvious errors but they didn't have any information about that. I told them that I couldn't prove to them a negative since I never a ) visited the website, b ) ordered the product nor c ) approved the Terms & Conditions. What I did do was I reported the charges the day they were fraudulently made to my debit card. The Bank initially credited my account but then allowed the charge to go through after my initial report and follow-up rebuttal.

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 2022-04-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
Credit Bureau XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
Credit Bureau XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX, Account # XXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 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 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2022, I was assessed an NSF fee for {$29.00} for the SECOND time for a ONE time occurrence. I wrote Navy Federal and was informed that the fee would be waived. The fee was charged, then waived, then charged again. Navy Federal refused to waive the fee for the second erroneous charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/XXXX, I mailed myself a check from Chime XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX ). I then voided the check and gave it to my employer to use as direct deposit for my paycheck. However, the Check I received did not have my account or routing number on it and by the time I realized this issue the money had already been deposited in a bank associated with Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) through XXXX XXXX  XXXX. I believe this account to be fraudulent. Not my account. So after contacting my employer as soon as I realized the issue they were not able to hard stop and cancel the payment. I have contacted both XXXX XXXX  XXXX and Chime to fix the issue so I can get my paycheck back in the amount of {$1200.00}. I have contacted XXXX  XXXX XXXX ( XXXX ) department and they assured me the issue at hand needs to be taken care of with Chime ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX  XXXX ). I have been persistent with Chime ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ), speaking to the escalations team and the engineering team and a month now has gone by and I haven't heard anything. Nothing has been done about the issue and Chime does not reach out to me regarding the issue any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I had my card stolen in XXXX of XXXX, been dealing with the company for over 5 months and already received a letter saying that my dispute had been approved but the funds have not been put into my account. I have called more than 100 times and spent countless hours trying to resolve this issue but they keep passing me along to a diff department every time. I can provide proof that my fraud claim has been approved and proof that they never gave me my funds. I don ; t know what else to do, I've called them repeatedly for help and they can't seem to won't help me. It's for almost {$800.00} and it's been an ongoing case for almost 6 month 's. The credit card company is One Main Financial ( XXXX ) and if you need more information from me, I can provide my account number and the letter I received from them that the fraud claim has been approved. Fraud started XX/XX/XXXX, {$180.00}, {$210.00}, {$15.00}, {$66.00}, {$160.00}, {$29.00} which totals {$670.00}. I filed a claim on XX/XX/XXXX, and on XX/XX/XXXX i recieved a letter claim # XXXX saying that the inquiry is over and that my claim has been closed and that my provisional credits were to be permanent, but they took back the credits which means they didn't give me back the money that they owed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, my payments to Wells Fargo was on auto pay with a paper check from XXXX payments each month towards the credit card at Wells Fargo account number XXXX Wells Fargo XXXX credit card account that I established last year Ive been making payments every month Unfortunately they change their mailing address so the payments from On my account at XXXX, see XXXX letters stating I made payments to Wells Fargo in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX When I called our contact Wells fargo they were not very helpful and they wouldnt talk to XXXX to verify this and they were not gon na do anything for me so thats why Im going to you guys because this is unfair and has hurt me financially with Wells fargos bureaucracy and not really giving a XXXX about me! See the documents Ive attached proving I made payments to them that they were return to XXXX uncashed. 

Unfortunately Wells Fargo was returning my checks and didnt cash in them even though im making payments to them they did not credit my account and therefore I was delinquent they never contacted me to tell me this until shortly where I get a credit report from XXXX XXXX showing me negative information basically my credit score dropped XXXX points when this was reported on XX/XX/XXXX that I was 30 days late and then 90 Days late to XXXX XXXX 



I tried calling Wells Fargo with no success and I feel like Im getting the short end of the stick because Ive been making payments since I started the loan in XXXX, XXXX, with success in WellsFargkand they were getting my payments and then all of a sudden the address changed and they werent cashing my checks so I feel this is unfair since Ive paid them off and they have this report of misinformation, please see the documents Ive attached showing I made payments every month to the Wells Fargo XXXX credit card account

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 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 -XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX 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.

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 2022-04-27 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 -XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -AT T XXXX 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.

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 2022-04-27 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: TX

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-27 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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Purchased a prepaid XXXX giftcard from XXXXXXXX XXXX XXXX store in XXXX, AZ on XX/XX/2022. The load amount was {$490.00}. The card was never functional. I called the toll free number on the back of the card on XX/XX/2022. I was told to photocopy and fax various documents which I did on XX/XX/XXXX. Approximately two weeks later I had not heard anything and called the toll free number for status. I was told the card ID that the company had given me was incorrect. At this point I disputed the charge with XXXX bank and asked for a reversal of the $ XXXX dollar charge. XXXX ultimately rejected my claim on XX/XX/2022 which forced me to re-engage with the prepaid XXXX issuing bank ( US Bank  ). I contacted them and was given the correct card ID number and a request to fax the same documentation again. I did as requested and called on XX/XX/XXXX for status. At this point I was told the copy of my driver 's license was not legible and I needed to re-fax this. I did and called on XX/XX/XXXX for status. I was told that the driver 's license is still not legible and also now I needed to re-fax a copy of my original sales receipt. At this point I have no confidence that this situation will be resolved. I've faxed perfectly legible copies of every document they've requested. Each time they come back with another request. It appears they're employing delay tactics. It's hard to believe a large, seemingly reputable bank like US Bank  would engage in such tactics but at this point that's exactly what appears to be happening.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation