vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased a resort deal for a total of {$2000.00}. I decided to dispute with the bank on the same day that I received my cancelation email and the bank gave me a provisional credit of the same monies. The past week on XX/XX/XXXX, the funds were reversed and I was charged that {$2000.00}. I called on XX/XX/XXXX and spoke to XXXX from XXXX XXXXXXXX who was able to reopen the case and I uploaded documentation supporting my claim. I then called today XX/XX/XXXX where another specialist said my case had been closed on XX/XX/XXXX because it was the last day to upload supporting documentation. I uploaded the documentation on XX/XX/XXXX which should count for the last day. I was clearly in the right as a client of USAA. I would like all my disputes to be reopened sinceI uploaded documents via mobile app and USAA claims they do not see them then close the case. Please help me get a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: FL

Complaint narrative:
Applied for lending online XX/XX/22, receiving approval from XXXX XXXX. Contingent upon accepting the terms, approval was granted for a revolving line of credit in the amount of {$3200.00}, requiring bi-weekly minimum payments in the amount of {$190.00}. The damage to my credit report is a result of both unfortunate circumstances & several instances of identity theft, of which I have made tremendous & ongoing efforts to repair and/or improve over the years, of which none have paid off. Needing the funds due to an emergency, I had no choice but to accept the lenders ' terms, of which I suspect are borderline illegal & will investigate separately but I fully acknowledge it was my choice to accept but the issues recently uncovered are unrelated to the actual product itself & have been outlined below : XXXX. XXXX XXXX is a member of the Federal Reserve and although they may not be required to report to the credit bureaus, they do report for some account holders & others they do not XXXX. My account was reported, 5 months after establishment, but to Clarity Services which is actually owned by XXXX, and not to 1 of the 3 major bureaus XXXX. However, completely FALSE information was reported, specifically the loan amount/credit limit, reported as XXXX XXXX As stated above, lending was approved in the amount of {$3200.00} & remains the same to date as my loan has not been refinanced and/or increased. My loan documents & disclosures will easily verify the claims made to be 100 % true.

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 2023-05-11 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I filed a dispute for overcharging me by dumpster rental company. They provided proof of tonnage that does not have any of my info and my credit card Wells Fargo refused to investigate it and closed the dipuste because I signed a contract for the service. I tried to explain to them that the fact that you sign the contract does not mean that the compamy can charge whatever theh want.

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 2023-05-11 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: TX

Complaint narrative:
I found erroneous information on my Equifax credit file, so I notified them of this. I have provided them with all the documents and information they need to fix the problem and there has been no response in 50 days. They violated the FCRA my federally protected consumer rights by failing to respond in 30 days and by failing to investigate. It is causing me a great deal of stress because they have not done anything to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I sent email to company with requested information and have not to this date receive any written validation of debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: MS

Complaint narrative:
I used afterpay to order XXXX  and after our has created two different charges for the same one order. XXXX has gotten back in touch and said that there was not a duplicate order and afterpay will not refund me for the double charge nor will they get rid of the double account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I utilized my money order to settle the debt with the company and they have not been answering me and they have taken my money and not applied it to the principals balance. TransUnion stole my money

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 2023-05-11 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: TN

Complaint narrative:
This debt was a debt that I did accumulate. However, the account that established the debt was opened XX/XX/XXXXXXXX  which is now beyond the 10 year mark so the account should be removed from my credit report. I had paid the debt off in full XX/XX/XXXXXXXX  in order to purchase a house. When this payment occurred, the original account on my credit report was deleted and a new one added as though the account was brand new hence starting over the account history. From a credit report prior to the payment, the account numbers are different than what is displayed on my current credit report further proving the account was opened as a new account with established debt and without my consent. I have documentation from these reports proving the matter is inconsistent with proper credit reporting guidelines/requirements and should be removed as this is a violation of fair credit reporting.

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 2023-05-11 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: TN

Complaint narrative:
This debt was a debt that I did accumulate. However, the account that established the debt was opened XX/XX/XXXX which is now beyond the 10 year mark so the account should be removed from my credit report. I had paid the debt off in full XX/XX/XXXX in order to purchase a house. When this payment occurred, the original account on my credit report was deleted and a new one added as though the account was brand new hence starting over the account history. From a credit report prior to the payment, the account numbers are different than what is displayed on my current credit report further proving the account was opened as a new account with established debt and without my consent. I have documentation from these reports proving the matter is inconsistent with proper credit reporting guidelines/requirements and should be removed as this is a violation of fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX You are in Direct Violation of The Fair Credit Report Act ( ) has violated several of my rights. 

15 U.S.C. 1681 section602 A. Clearly states that 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. 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

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 2023-05-11 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 — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I made two separate purchases using my CashApp card on XXXX plus for delivery from store. The money, {$96.00} and {$69.00} was taken out the time of purchase. Yesterday it was taken out again. When I contacted Cash App about being charged twice, they said the money was never originally taken out. Which it was on those dates it was never pending. cash app omitted that there was a glitch in the system and that they had updated the payments to reflect and everything was right with my account which it is not. Im out almost {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: TX

Complaint narrative:
On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INACCURATE. To Date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my XXXX request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations for credit reporting agencies are regulated by the federal trade commission ( see 15 USC 41 et seq ). I am maintaining careful records of my communication with you on the matter for the purpose of filing a complaint with the FTC should you continue in noncompliance.

Pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mails a response.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts have hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Please remove all non-account holding inquiries over 30 days old Please add a Promotional Suppression to my credit file Please remove all accounts that are not Metro 2 Compliance

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 2023-05-11 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: TX

Complaint narrative:
On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INACCURATE. To Date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my Second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations for credit reporting agencies are regulated by the federal trade commission ( see 15 USC 41 et seq ). I am maintaining careful records of my communication with you on the matter for the purpose of filing a complaint with the FTC should you continue in noncompliance.

Pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mails a response. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts have hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Please remove all non-account holding inquiries over 30 days old Please add a Promotional Suppression to my credit file Please remove all accounts that are not Metro 2 Compliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: NE

Complaint narrative:
My aunt stole my social security number and there was a security lock put on my credit report and now I have submitted all of my identity verification documents and I called back after the alotted time to see when the security lock would be lifted and now they want me to send it in via mail. I do not feel comfortable with sending identity verification documents in the mail and I have proof that I sent it to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NJ

Complaint narrative:
I submitted a complaint last XX/XX/2023. Involved companies responded but there are still fraudulent items reporting on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 non-monetary relief
Consumer complaint received 2023-05-11 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX You are in Direct Violation of The Fair Credit Report Act ( ) has violated several of my rights. 

15 U.S.C. 1681 section602 A. Clearly states that 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. 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: TX

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX You are in direct violation of the fair credit reporting act ( capital one auto loan and account number XXXX ), has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearing states that 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 1666B. A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My mom had a safety deposit box with Wells Fargo. Some how she put my name on it as well just in case of an emergency. My mom XXXX XXXX passed away over two years ago. I have been fighting back and forth with Wells Fargo for over two years to get this safety deposit box closed out. We could never locate the key after going through my mothers belongings. 

I wrote several letters to the branch manager during covid. I live XXXX miles away from the XXXX XXXX, Branch. He said to come down anytime I could make it to XXXX and he would close it out. I went drove all the way down there. The new manager said I needed an appointment. I drove all the way down there again and the XXXX XXXXXXXX never showed up. I signed a paper saying they could drill the box, and certified that there was nothing of value in the box. They never closed out the box. They are still sending me bills and certified letters that they are going to turn me over to collection. Now they are going to ruin my credit over this. Please help me. Wells Fargo bank XXXX XXXX XXXX XXXX. XXXX, Nevada XXXX XXXX XXXX. Phone number XXXX Sincerely XXXX XXXX. Please call me if you have questions. 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 monetary relief