vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporting act, acct # XXXX OF XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under a 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 2022-05-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2022-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I bank with Wells Fargo, and i have tried to move money into my savings account, since it had been in overdraft. I moved {$7.00} on XX/XX/XXXX to make the account positive. Their terms say that as long as i move a {$1.00} into the account, it should not be charged the monthly fee. However, on XX/XX/XXXX i was subsequently charged the monthly fee of {$5.00} even though i had a positive balance present in the account. 
I had previously had asked the baking rep in store last month about switching account types and said that i don't qualify for any of the current ones that they have available, stating that i would need at least $ XXXX to have an account type with no fees or minimums, which is a lie since i previously had an account that had no fees charged to me, but conveniently, Wells Fargo, doesn't want to offer that package to me, even though i had been with them since XXXX and a loyal member. 
This is just another sad example of how Wells Fargo got caught Scamming many of the loyal, valued customers. 

I also contacted Wells Fargo banking on that same XX/XX/XXXX date to help recall and charge back previous transactions that i had previously dealt with the named companies indivually, to no avail. I told them that i had tried to directly ask for the money back and no refund from the companies were give to me, which lead me to filing the dispute. 
I find this resolution completely unacceptable by Wells Fargo, since they would previously do this for me in previous years or any customer they hold a value of at least $ XXXX because they're the rich people and they bend down to the rich people without hesitation.

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 2022-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered unlawful unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require organizations to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The following data should be explored in this manner. After carefully downloading my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these things or false information since my personal information was compromised by the XXXX data breach and may have ended up in the wrong hands. You are filing reports recklessly and incorrectly, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain a counsel to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the company for violations, stress, and menstrual agony on behalf of at least 1 % of the corporation, according to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

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 2022-05-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not furnish a account without my written instructions. this account was reported XX/XX/2022 in the amount of {$380.00}. In addition XXXX XXXX Co XXXX account # XXXX has also violated my rights in accordance with the FCRA 15 U.S.C 1681 section 602 A and 15 U.S.C section 604 A section 2 consumer reporting agency can not furnish a 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 2022-05-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not furnish a account without my written instructions. this account was reported XX/XX/2022 in the amount of {$380.00}. In addition XXXX XXXX Co XXXX account # XXXX has also violated my rights in accordance with the FCRA 15 U.S.C 1681 section 602 A and 15 U.S.C section 604 A section 2 consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: AL

Complaint narrative:
Equifax has somehow deleted my entire credit report and creditors are not able to access my credit. I noticed this back in XXXX XXXX which I placed a call to their customer service department explaining that I could no longer access an updated copy of my credit report. I have important financial transactions that have been declined due to their carelessness handling my credit report. I called now three times and the customer service representatives are saying that they have nothing in the system even after manual attempts to locate my report. Today XXXX states that she can't see anything at all. I am asking to have Equifax regenerate my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX last four of account number XXXX. 
There is to much incorrect information on this account. All of this incorrect information is hurting my score. 
It is showing as a charge off but is showing a balance and a past due amount which should not show if it is in collections. Also the date of the last payment is showing on XXXX at XXXX but on XXXX and Experian it's showing XXXX. Also the date last active is different on all three.

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 2022-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: SC

Complaint narrative:
They loaned me XXXX and started a savings you can unlock after you pay off the XXXX and XXXX in the savings I didnt realize they were charging me XXXX annul percentage interest on the full XXXX not just the XXXX they loaned when I asked them if they could just pay off the loan with the money I never received they refused their newest solution is I pay my next payment and let my account go 30 days past due and then they will close it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX,, XXXX XXXX Account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ref XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account 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 2022-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I won a settlement against venmo via XXXX  The very moment venmo paid me the money was taken out of my account fraudulently. I called and I was hung up on 6 times in one day and still was not able to get the dispute process started because as I was on hold they closed customer service. {$2000.00} was the amount they offered me and every dime was taken out right after they paid me. They would not let me add any bank account, use my venmo debit card, or send the money to anyone via the app. I need my {$2000.00} back. I have to pay XXXXe {$400.00} because that was the agreement for the settlement and now I can not pay XXXX  because the money was fraudulently stolen and venmo has done nothing about it. 

{$5000.00} was also fraudulently taken from my bank account that was previously on file and venmo is well aware of this but I have not recieved a dime back regarding this. They owe me {$7000.00} in total. 
I have filed a new claim with XXXX, the XXXX, and now with you. 

I do not have dates as currently I am locked out of my venmo account and everytime I call them they hang up on me. I will call tomorrow again and request help to sign in so I can provide all dates and details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Lost my wallet back in XX/XX/2021- ever since Ive had to report identity theft

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My Capital One XXXX XXXX card payment was due on XX/XX/XXXX. I paid the amount due on XX/XX/XXXX via a bank transfer. My bank, XXXX  XXXX XXXX, says I paid on XX/XX/XXXX. I have the documentation. Capital One says that XXXX sent them a check and it arrived late. Capital One is charging me a {$29.00} late fee as well as interest. I have always had a perfect credit score, but since this incident I no longer do. XXXX  XXXX XXXX agrees with me that this amount was paid on time. I am attaching a screenshot of an email that was sent to my husband XXXX XXXX who made the inquiry to XXXX. 

A similar incident happened in XXXX and the late fee was taken away. Capital One is claiming XXXX is getting them the funds late, but I was never told there was a problem with this. XXXX denies they are paying late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: SC

Complaint narrative:
XXXX XXXX  last four of account number XXXX. 
There is to much incorrect information on this account. All of this incorrect information is hurting my score. 
It is showing as a charge off but is showing a balance and a past due amount which should not show if it is in collections. Also the date of the last payment is showing on XXXX at XXXX but on TransUnion and XXXX it's showing XXXX. Also the date last active is different on all three.

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 2022-05-02 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: SC

Complaint narrative:
XXXX XXXX last four of account number XXXX. 
There is to much incorrect information on this account. All of this incorrect information is hurting my score. 
It is showing as a charge off but is showing a balance and a past due amount which should not show if it is in collections. Also the date of the last payment is showing on Equifax at XXXX but on XXXX and XXXX it's showing XXXX. Also the date last active is different on all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 15 U.S.C 1681 and Fair Credit Reporting Act 15 U.S.C 1692. Source Receivables Management Account # XXXX have violated my rights. 

15 USC 1681 - States I have the right to privacy 15 USC 1681a 2 ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person that is making the report.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 notice and confirmation of errorsA person shall not furnish information relating to a consumer to any 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, inaccurate.

15 USC 1691 a ( 3 ) - ( a ) ACTIVITIES CONSTITUTING DISCRIMINATIONIt shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.

15 USC 1681n - ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got a hard inquiry on my credit report because this company called Synchrony Financial ran my credit without my permission and without my knowledge. I never signed up for anything, applied for anything or allowed this company to look into my credit report. I've never heard of Synchrony Financial before, why do I have to deal with a hard inquiry when it is not deserved or of my doing? I try really hard to keep my credit score up just to have some company mess up my score without any consent or permission at all. Please help me out in any way you can, I greatly appreciate it. This unwanted credit check has actually already caused me an issue and if it happens again I would like to sue the company for the stress and financial burden it now put me in. Thank you very much for your time.

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 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right privacy. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666 B : A creditor may not treat a payment on a credit 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 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is reporting my credit card account negatively to the credit bureaus. The balance was paid in full, and it is still reporting to the credit bureaus as a balance due. I have a letter from Bank of America dated XX/XX/2022, that reflects a paid in full balance.

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 explanation