vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 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: Experian Information Solutions Inc.
State: OH

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 2023-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
So this is with Venmo I had two phones so I made XXXX Venmo accounts. I was unaware that I was not allowed to have XXXX Venmo accounts. OK thats cool no big deal. I was told to verify my identity so I sent in a picture of my ID for both accounts and then I was told that due to certain reasons that they could not tell me I would no longer be able to use my Venmo account and they would hold my funds for up to 180 days which is six months I currently still have {$1500.00} in my Venmo account and this took place on XX/XX/2023 there should be no reason why they have to hold my funds for six months. Theres no reason why it takes that long for them to figure out whatever they need to figure out. This has put me in a real jam because I have bills that I have to pay like my car has been re-Poed behind me not making car payments because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Please see the attached supporting documentation. 

You will see all of the communications between me and the merchant. The parent company is named XXXX. They also do business under " XXXX XXXX '' and " XXXX. They provide skip tracing batch services. 

I am supposed to be able to send them a company name along with the last known city and address and with that information they are supposed to provide me with XXXX CORPORATE OFFICERS! but they have only provided me with ONE. 

I did not receive the services that I paid for and my mail campaign is useless. 

I am disputing this charge along with 2 other charges on my account ( {$300.00}, {$540.00} and {$1000.00} ). They have never provided the information that I paid for. From the very beginning of our business relationship they have never got my billing correct. I have no idea what they are even charging me. I am supposed to be charged {$700.00} per month for the services and every month I have been over charged.That is why I received refunds of {$380.00} and {$360.00} on XX/XX/XXXX. Theyrefunded me for overcharges. I want to make clear that I have no idea what these charges are. They just make them up and run it on my card. 

Because of their failure to provide the services I have requested termination of our business relationship and blocked future charges. They keep trying to run charges though. Some have been denied but they continue to try. 

I requested that you refund these charges as soon as possible.I have not received any provisional credit. 

I was told I would be sent documentation for all 3 claims.. To date I have only received : Case ID # XXXX ( {$540.00} ) on XXXX XXXX. 
Case ID # XXXX ( {$300.00} ) on XX/XX/XXXX I have not received any documentation for Case ID # XXXX {$1000.00} so that I can dispute it. 

This is a business card in the name of XXXXXXXX XXXX XXXX of which I am the sole officer.

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 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX, 2023 at XXXX PST I called citi bank credit card to see if they would increase my credit limit back to the original credit limit that was extend it to me, and I agreed upon when the card was issued. The first representative that I spoke to advised to me that she would put the request through, but I could not know anything, and the request wouldnt go through until I received a letter in the mail, telling me that they lowered my credit. But I advised her that I had already received this through an email and also electronically because I elected to have electronic notifications. She still would not process the request so I asked for a supervisor. Then a supervisor by the name of XXXX with an ID of XXXX was placed on the phone because I requested one. When this representative gets on the line, I explain to the representative that I would like to request that my limit be increase back to the original amount. In return the supervisor begins to read to me a letter that they sent out that I had already advised that I received electronically. I kept trying to advise to the supervisor that I was just trying to put in a request to have the line increase. And then after I do that, I ask them how long would it take for me to get an answer back from citi : The supervisor advised me that yes he could put the request through today. And yes I could get an answer today. But he also said he was not doing that and then he proceeds to speak over me. I explain to him that I would like to speak to his supervisor. He does not put a supervisor on the phone. He just keeps trying to read me the letter that Ive already explain to him that I already have. And he keeps trying to read things over and over again and basically over talking me not letting me speak at all not listening to me at all just reading, random things and not allowing me to speak. This conversation was recorded and by the times that it was about a 35 minute call altogether. And my request was still not fulfilled. Based off of an adverse reaction that was taken by the bank.

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 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/23 we received notification that a wire had successfully been completed from our checking account. Upon receiving notification, we immediately contacted Wells Fargo and informed them we had not authorized any wire and that funds were not approved to be released from our account. This was initially handled via a phone call to Wells Fargo. After speaking with the representative, we then proceeded to the nearest Wells Fargo branch office. 

A review with a representative of the bank took place and we identified wires that were not authorized by us that were being taking from our account. Wires totaling approximately {$40000.00} were taken from our checking account. The representative of the bank immediately closed the checking account and stated they would look into the situation and get back to us. At this same time, the representative of the bank took the debit card of my husband, and stated she would proceed with shredding the card as the account was being closed. 

On XX/XX/23 Wells Fargo, proceeded to let another unauthorized wire be taken from our checking account, the account that was to have been closed. In addition to funds being taken, Wells Fargo has also charged us numerous wire fees for wires that we did not authorize. 

Now after 2-weeks of trying to address the situation with Wells Fargo ; asking them to review all transactions and having us complete paperwork to which we stated these were not authorized transactions by us, we have been informed by Wells Fargo we are out our money. Too sad so bad was the impression we were given. We have no advocate at the bank. No one to try and help us understand who at the bank would have allowed these transactions to be completed without our authorization. At no time as anyone at Wells Fargo provided any written documentation regarding their review and investigation into the situation. 

We are asking for help from the CFPB to review this situation and to help us understand how Wells Fargo can simply tell us that we our out {$40000.00} when we did not initiate or authorize funds to be transferred from our checking account.

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 2023-07-01 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: TX

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, XXXX, TRANSUNION ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.

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 2023-07-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, EXPERIAN, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.

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 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XXXX I deposited a payroll check onto the USAA mobile app, and all messages stated funds available immediately but once deposited the funds were placed on hold until XXXX. When reaching customer service and trying for over 5 hours to resolve it, they claimed they could not access banking system, and we're unable to find a reason why the funds were placed on hold or why no notice was given. They will not let me take the deposit to another bank and are forcing me to deposit with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: OH

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2023-07-01 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was charged {$15.00} for trailing interests in XX/XX/XXXX, for paying my bill late by 2 hourseven after they charged me {$30.00} in interest in XXXX! 

Going back on my charges, I saw they did the same thing in XX/XX/XXXX. They charged me interest in XX/XX/XXXX XXXX XX/XX/XXXX, for a bill I paid off. When I mentioned this to the representative they said they couldnt help me because I had paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
UPDATE TO CLAIM # XXXX -- - UPDATE TO CLAIM # XXXX -- - UPDATE TO CLAIM # XXXX -- -- -- -- - EXPERIAN IS IN WILLFULL NEGLEGENCE AND NON COMPLIANCE IN DIRECT VIOLATION UNDER THE FCRA UNDER 15 USC 1681i ( B ) Extension of period to reinvestigate -- -- Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. -- -- -EXPERIAN HAS NOT RESPONDED, VERIFIED in over 60 days if the initial dispute!!! -- -- -- -Under 15 USC 1681i ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. -- -- -- -- -- -EXPERIAN IS OBLIGATE TO DELETE THE REQUESTED INFORMATION DUE TO FAILURE TO PERFORM WITHIN A TIMELY MANNER.

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