vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX {$1700.00} 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 resulted 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 identity theft!! Please delete these items IMMEDIATELY!

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 under 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!

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 2023-06-17 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: VA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Acct. # XXXX, XXXX XXXX Acct # XXXX, XXXX : Acct XXXX XXXX XXXX Acceptance Now : Acct. # 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.

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 2023-06-17 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: GA

Complaint narrative:
XXXX. XXXX XXXX {$1100.00} 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 resulted 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 identity theft!! Please delete these items IMMEDIATELY! 
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 under 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!

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 2023-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
proof of address during time accused. I want this debt removed. I suffer from XXXX it hard with this going on I pnly have 3 days to applyfrom my graduate loan I need this collection off my credit. Its not mines Please remove I need to get my graduate loan. Please I need this off now. I lost my family in covid. Th is is all have to look forward to. I beg you please remove it. I almost lost my job my call to y work place. You cant have bad credit. Everythinhg is falling apart. My pstd is kickng in please delete. I beg 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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with documentation associated with these accounts bearing my signature, authorizing an inquiry. In absence of documentation bearing my signature I formally request that these fraudulent inquires be deleted immediately from my credit file that you maintain under my social security number. While checking my report, I noticed inquiry I didn't authorize, made by the following companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-17 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: GA

Complaint narrative:
Account # XXXX. 
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 non-monetary relief
Consumer complaint received 2023-06-17 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: AZ

Complaint narrative:
On XX/XX/23, I received a charge of XXXX from a XXXX store. While I have shopped at XXXX department stores in the past, this is not a charge I made. When I called the XXXX department, I was informed that the charge was made using contactless payment, which is not something I usually use. I suspect I may have been either accidentally charged by a contactless device near my card, or someone may have used such a device near me or my wallet to defraud me. Wells Fargo has acknowledged that but has yet to clear this charge after almost two months, and has been difficult to reach in regards to this matter. In addition, I continue to be charged interest due to this dispute. Also, I have yet to receive a receipt for what was purchased.

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 2023-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: NV

Complaint narrative:
XXXX continues to ignore my request to bring my account up to date! 

They have not reapplied my payment if XXXX back in XXXX for at least XXXX FULL PAYMENT and XXXX to get me current and ahead! 

I was also approved for extension for XXXX payment to be placed at the end of XXXX and they reneged. 

I continue to get XXXX fees and interest that SHOULD NOT BE APPLIED! 

Credit bureau is staying Im up to date and I been paying each month and then XXXX in falsely claiming Im behind! 

They are making phone calls to my friend stating Im behind which Im am NOT!

I want them to REApply my payments correctly So I know Im at least a month ahead accordingly to my calculations! 

I want a change in date due to the XXXX of each month because of my fixed income on the XXXX of each month!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called and informed Capital One of charges that were not authorized on my Capital Business card on XX/XX/23 at XXXX XXXX- they said they were going to investigate this and get back to me ASAP. On XX/XX/23 at XXXX XXXX they emailed me that they can't investigate anymore and charges my account for all the charges in question- This credit card company claims to have a {$0.00} Liability for unauthorized charge which is not true- I need them investigated and fined ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I am writing to file a formal complaint against Western Union regarding a recent issue I encountered with their services. I am seeking your assistance in resolving this matter effectively. 

On [ Date ], I initiated two separate transactions with Western Union under the Money Transfer Control Numbers ( MTCNs ) XXXX and XXXX. The total amount transferred was [ $ XXXX ]. These transactions were carried out with the expectation that the funds would be available for collection by the intended recipient promptly. 

However, to my dismay, the funds were not available as promised. This left me in a state of frustration and inconvenience, as the intended recipients were relying on these funds for urgent matters. 

Subsequently, I contacted Western Union 's XXXX XXXX and raised a complaint regarding the unavailability of the funds. In response to my initial complaint, I received a communication from Western Union 's Customer Care team on [ Date ]. They mentioned a re-evaluation process that I would need to undergo. This process was not clearly explained, and it left me confused and concerned. 

I fear that some form of discrimination or unfair treatment may be involved, and I believe that transparency is crucial in resolving this matter. 

The primary purpose of my complaint was to address the issue of funds not being available as promised. I now request Western Union to provide me with detailed information regarding the re-evaluation process and its direct connection to my initial complaint. I strongly believe that clear communication between the company and its customers is essential for a fair and satisfactory resolution. 

I have already informed the sender to collect the refunds from Western Union 's agent locations, using the same MTCN numbers mentioned earlier. Nonetheless, I want to emphasize that the availability of the funds is of utmost importance to me, and I expect a swift resolution to this matter. 

I kindly request the Consumer Financial Protection Bureau to intervene in this dispute and assist me in obtaining a clear explanation from Western Union regarding their re-evaluation process and the handling of my initial complaint. I hope that with your intervention, Western Union will take prompt action to rectify this issue and ensure that such problems are not encountered by other customers in the future. 

I appreciate your attention to this matter, and I look forward to your prompt response. Please do not hesitate to contact me if you require any further information to proceed with this complaint. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I keep getting calls from XXXX first the said I owed from XXXX almost XXXX after which I said I have no recollection of this cc ( I initially thought it was from XXXX which I have had a dispute with ) then they mentioned other debts I already called them before to explain this situation they started asking me many questions I was fearful this was so.e kind of fraud. I am poor on XXXX I survive on XXXX each month. I have only one cc which I don't use put pay a little on an old charge which is almost finished without issue I don't believe I owe this. Because I have limited income I can not pay for cc nor would I charge anything anymore since I am on ss

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 2023-06-17 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: LEXISNEXIS
State: VA

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 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 2023-06-17 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: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 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. 

( B ) Reporting information after notice and confirmation of errors A 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Got a call supposedly from Bank of America that someone was trying to send a XXXX for {$1400.00} from my account. They transferred me to XXXX which was supposedly the XXXX XXXX department. They ask me to create a contact and gave me a code to supposedly cancel the {$1400.00} transfer but the code was an amount to transfer money. Fortunately, I realized that and called the bank and they confirm that it was a scam. 
I contacted them back and they were laughing because they said that there is nothing thw authorities can do, I hope they are wring and that no one else falls a victim of this scam,

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 2023-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANNER CORPORATION
State: PA

Complaint narrative:
I tried to transfer money from Banner Bank XXXX XXXX XXXX XXXX XXXX and the transfer was not completed. Banner Bank took {$200.00} out of my checking account and it never appeared in my XXXX XXXX XXXX account. Customer service departments from both banks refuse to fix the problem after more than 5 attempts with both, so {$200.00} of my money has been stolen.

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 2023-06-17 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: VA

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 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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim kf identity theft. I am formally disputing an account that I have learned has been made, opened under my name and social security number. I did not open or apply for this account and have not authorized anyone else to do so for me. Kindly to delete this account as its harming my credit.

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 2023-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I went to a Wells Fargo branch on XXXX XXXX XXXX on Saturday XX/XX/XXXX around XXXX and went through a drive through. 

I filled out my deposit slip I filled out my account number They sent a XXXX to my account, etc. 
Had my ID .... 

Tells me after 20 minutes of waiting and dragging my elderly father out of the house I can not withdraw my own money because " We have none of your documents on file ... '' I am absolutely floored at the practices of this bank. What would you like next? XXXX XXXX XXXX 

Ridiculous!

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 2023-06-17 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Comenity Bank/Kay , XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 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-end consumer credit plan as late for any purpose. 

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 monetary relief