vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: TX

Complaint narrative:
I disputed a charge with the merchant first and then called XXXX if her customer service and was told that I need to talk to the merchant they didn't handle that and the XXXX said they never charged my account but XXXX said yes it is and I've never been able to get my money back no matter what I do I have money already in my account they kept that money off so besides taking the {$49.00} out there was charged to my account by some merchant I never met it's off in XXXX I'm disappointed and and the sad with the day I tried everything to get my money back some picture of my photo ID everything was good that I've been required to do my account was closed for after 4 hours after making a deposit it's XXXX in the morning after I talk to them and they told me that there was no problems in my account cuz I had him order me a new card and they close my account because of that cuz I disputed one charge I would never trust him again and never been able to give my money back it's been over a year and I'm just finally complaining about them hopefully this helps completely frustrated can't believe I'm out that kind of money and I'm just born and everything was {$500.00} in my account recoup from I think an extremely sorry that somebody told me my account some good order it's good standing order me a card as soon as I make a deposit close my account I've never been able to get my money back I need some help on this a telephone number is XXXX XXXX XXXX you bye

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the to delete the negative payment status on this account. 15 USC 1681s-2 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. XXXX XXXX is deleted off my XXXX but still reporting twice with a different company on transunion and experian. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the to delete the negative payment status on this account. 15 USC 1681s-2 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. XXXX XXXX is deleted off my Equifax but still reporting twice with a different company on transunion and experian. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Account XXXX XXXX XXXX ( XX/XX/XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the to delete the negative payment status on this account. 15 USC 1681s-2 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. XXXX XXXX is deleted off my XXXX but still reporting twice with a different company on transunion and experian. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Account XXXX XXXX XXXX ( XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit 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: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/XXXX, a pickpocket stole my wifes US Bank XXXX and XXXX XXXX at the XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The perp then used the US Bank card to make one or two purchases of {$53.00} at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The perp also used the XXXX XXXX to make a {$45.00} purchase at the same place. Both XXXX and US Bank identified the charges as fraudulent. 

XXXX closed their fraud investigation on XX/XX/XXXX, and removed the transactions from my account. 

US Bank sent me a letter ( see scanned copy with my handwritten notes ) on XX/XX/XXXX, stating : After careful review, we have verified the transaction ( s ) was authorized, and you received benefit from the transaction ( s ). A list of disputed transaction ( s ) is included in this letter for your reference.

Please see the enclosed documentation that indicates the transaction ( s ) are valid.

. 
. 
. 
You have the right to receive copies of the documentation used during our research. Please contact us if you would like the documentation. 

I called US Bank on XX/XX/XXXX. XXXX said that they would send the documentation and I should receive it in 5 to 10 days. After 18 days of waiting, I called US Bank again. XXXX said the only documentation was that the card was presented at the time of transaction. She reopened the case and said to expect a call in 24 to 48 hours. XXXX called me on XX/XX/XXXX. Rather than give her the details over the phone, I sent her a letter on XX/XX/XXXX ( see attached ). She called on XX/XX/XXXX to tell me that she didnt receive the letter. She said that it might be delayed because of the holidays and would call on XX/XX/XXXX or XXXX to let me know if I should resend it. She did not call, so I left a message on XX/XX/XXXX. I also tried on XX/XX/XXXX, and XXXX. As it turns out, the letter was returned to me on XX/XX/XXXX. I mailed it again on XX/XX/XXXX. I called XXXX a left a message on XX/XX/XXXX. She did not return my call within the promised XXXX hours.

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I gave notices to Navy Federal to cease and desist all forms of communication to include written and electronic mails with consumer reporting agencies to comply with fair credit reporting act requirements for late payments and to comply with the protections of the consumer to whom the report relates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I never received my card but theyre denying my claim on the basis that the card was delivered to my home and activated. But how is it possible that my card was activated but I never received it? I tried to call the XXXX numerous times to order a new card a the phone line was always so busy to the point where Id never get through and eventually I gave up. I didnt even know my money had been spent until about a year ago when I attempted to order a new card through BOA directly. To find that there is no money on my account.. it has all been wiped out. So the representative told me my claim has once again been denied because I waited too long. How was I supposed to know Id have to make a claim because my money was stolen? I dont even know it was gone! So when I asked for ATM footage or some proof that I spent my money, they sent me a bank statement of all the purchases. OF COURSE THE MONEY WAS SPENT, ITS NO LONGER ON MY CARD. That is not proof! Ive sent it my ID so that a proper investigation can be done and still nothing. And this is too much money that has been stolen from me to let go. And I also came across an article that employees at BOA were apart of stealing peoples money which made perfect sense because I just couldnt understand how someone was able to steal my money without my information. I know it was an inside job and I want my money back! 
Claim # XXXX Claim # 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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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.

and list of Inquiries.

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 non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting 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: CA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-08-23 00:00:00
Product: Credit reporting 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: CA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My name is XXXX XXXX date of birth is XX/XX/XXXX & i frequently have to write reports to cfpb regarding Wells Fargo. I have a late payment on my credit report from XX/XX/XXXX. I already wrote in a complaint about this specific thing & i am asking if it can be removed from my credit report. During the time of XXXX, i was going through a long & exhausting process with Wells Fargo regarding unauthorized charges. As the unauthorized charges seemed to be resolved i believe that there may have been a mix up in payment being marked as late. I have always been on time with payments & i seem to have a problem with Wells Fargo frequently for the past year now. I've been a loyal customer for almost 3 years & despite all the troubles i have had with Wells Fargo i still stayed a loyal customer. Last case i wrote, i was told wells fargo can not delete something off a credit report but when this happened once before due to a mistake, they took it off no problem but then added it back a month later. Again, i am always on time with payment. i dont believe i ever had to write in this many complaints about & to one specific company. I am asking for a payment forgiveness for the apparent late payment & have it taken off my credit report. I truly appreciate it & am open to answering any questions. Again, i am asking for the late payment to please be removed from my credit report. Thank you.

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Below is the letter to Experian that has been ignored. The other reporting agencies have already removed it. Experian removed it and then a different collection agency bought and resubmitted it to Experian. They are ] refusing to investigate and email me back in 2 days to tell me they are not investigating it. They were sued last year for incorrect information- seems they are not fixing the problem. I was on hold for then it hangs up on people. 

This account was paid in full to port the number and pay o : the phone. This is not penalty for early disconnection. Attached is a bank statement. And I have already disputed and submitted this information to you once before, it was removed and now its back. Do I have to do this each time. 
I still use the phone, which would have remained locked until I paid XXXX  XXXX XXXX. Call the number on the overdue account XXXX its still my number. It was ported and paid XXXX XXXX 
The account was transferred to XXXX XXXX. I ported the number, which I could not do if I owed money to XXXX  I attached the transfer confirmation with the last four of the number XXXX to prove it was ported to XXXX  Also I attached the bank statement where I made XXXX XXXX  XXXX to port the number and paid XXXX : the phone as well. 
Thank you, 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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have provided XXXX all the information needed to be blocked on my credit report and have failed to do so. See attached.

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I have provided Experian all the information needed to be blocked on my credit report and have failed to do so. See attached.

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