vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 at XXXX XXXX. I come to the bank of america at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. 
I am deposit check and i have the received copy they said on XX/XX/2023 {$5300.00} at XXXX. And On the XX/XX/2023 {$100000.00} at XXXX XXXX. 
now i am received the email said the check on hold to the XX/XX/2023 at XXXX. 
that is not right by the law. can some one please try to help fix the bank law.

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 2023-05-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under XXXX USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple filling errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; Delete THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 

REMOVE THESE INQUIRES AS THEY NEVER RECEIVED PERMISSIBLE PURPOSE TO FURNISH THIS INFORMATION IN PURSUANT TO 15 USC 1681B THEY ARE IN VIOLATION OF FEDERAL LAW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX WFDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand a validation of debt in pursuant 15 USC 1692g If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 


Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX All rights reserved without Prejiduce UCC 1-308

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 2023-05-03 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple filling errors, and unfair credit card practices. 
From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). 

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; Delete THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 

REMOVE THESE INQUIRES AS THEY NEVER RECEIVED PERMISSIBLE PURPOSE TO FURNISH THIS INFORMATION IN PURSUANT TO 15 USC 1681B THEY ARE IN VIOLATION OF FEDERAL LAW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand a validation of debt in pursuant 15 USC 1692g If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 


Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX All rights reserved without Prejiduce UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 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.

Under 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NJ

Complaint narrative:
I submitted a complaint last XX/XX/XXXX and the companies responded. Some items got deleted but some are still reporting. I submitted a complain again last XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-03 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo continues to insist that XXXX fraudulent charges made to my credit card ending in XXXX are valid. Both were done in XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX 

I am XXXX and can not drive and already provided medical evidence to Wells Fargo about my medical condition. My husband also sent a letter to Wells Fargo stating he never drove me to the locations where the fraudulent charges were made. 

Wells Fargo is accusing me of 1 ) filing a false fraud claim and 2 ) illegal filing a false police report for the fraudulent charges. This is defamation. They continue to say they are not insuating either 1 or 2 above but they are lying- they are saying it by default since they keep telling me the fraudulent charges are valid.

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 2023-05-03 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and i have evidence that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting my personal information wrong. My date of birth is wrong. My name is also wrong. Ive sent all supporting documentation on numerous occasions and nothing has been updated. I reached out to your XXXX team Ive had two escalation claim numbers Ive talked to multiple supervisors, and the information is still being reporting wrong. I have fax confirmation that all documents have been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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:
To whom it may concern : I recently received a copy of my credit report and found proof that Equifax is illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$4300.00} This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 
I HAVE INCLUDED A COPY OF THAT REPORT AS EVIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance to the fair credit reporting act This creditor has violated my rights. 
Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states that A consumer reporting agency can not furnish an account without my written instructions. Under 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account Name : 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 2023-05-03 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: PA

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account Name : 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 2023-05-03 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: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
I want to ask the CFPB to open an investigation, so Unifund LLC does not continue to evade its responsibility to respond to arbitrations filed by consumers. I am going through a very stressful time with Unifund. I filed an arbitration case against this company, who is reporting the account involved in this matter. Unifund has refused to arbitrate the matter thereby violating the contractual agreement that was in place with the original creditor XXXX. The case I filed is based on several violations that Unifund has committed : excessive phone calls, unfair and deceptive business practices, and collecting on account with fraudulent charges account. I was called excessively by creditors and Ive kept on getting calls and letters despite my telling them to stop communicating. In addition, the account incurred fraudulent charges and prior to that I tried to close account numerous times with the original creditor but to no avail. They also failed to forward me any notices to my forwarding address. Now the XXXX XXXX XXXX tells me that Unifund is out of compliance with them and failed to comply with the XXXX policies regarding consumer claims, which means that not only my contract with them, but the contract terms of each and every consumer that has been sold to Unifund will now be upheld. 
I have lost significant sleep and peace of mind over this issue for several months, as my entire financial life has come to a halt due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX and Experian Rent bureau are incorrectly showing a rental amount as outstanding that for XX/XX/ that was paid on time before the date required on my rental lease. This was resulted in me being out of pocket approximately {$500.00} due to application fees for rentals. I am consistently being denied due to this error while on a timeline to move due to a medical XXXX. XXXX XXXX refused to give me any information on my dispute, despite me having submitted documentation on XXXX providing this was false. I was denied for a property I very much wanted based on this information. I am also trying to refuse it with experian.

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 2023-05-03 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I contacted Citibank in regards to some transactions. I was fraudulently scam, and I informed them that I was scam for some payments that was made so some scammers unintentionally never knew that they were scammers thought I was working with a legitimate company to pay off my taxes that I owe. I sent them the money through XXXX to a company the works directly with thw irs. They are government impersonators. 
XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$300.00} This company was called XXXX XXXX XXXX XXXX that was based out of XXXX Florida however, at this company is nonexistent Then, when I cant take a Citibank for assistance, I couldnt get an American person on the line. I was only getting XXXX  and they was not willing to help me at all.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: WI

Complaint narrative:
First Advantage incorrectly listed my convictions/arresting charges on the background check report. I contacted them on XX/XX/XXXX to let them know the information was listed incorrectly and need to be fixed. First Advantage also, listed my pending charges incorrectly in XXXX of XXXX. I contacted them in XXXX and First Advantage never fixed the issue. I spoke with the courthouse and the judge who sentenced me and the convictions/arresting charges doesnt match what First Advantage is reporting .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: GA

Complaint narrative:
I submitted a complaint last XX/XX/XXXX and it was closed immediately. I submitted a complain again last XX/XX/XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can CFPB closed this complaint and said it has already processed earlier complaints about my problem. 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 2023-05-03 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: GA

Complaint narrative:
I submitted a complaint last XX/XX/XXXX and it was closed immediately. I submitted a complain again last XX/XX/XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can CFPB closed this complaint and said it has already processed earlier complaints about my problem. 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 explanation