vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
they said the date of the transaction being posted i would have until XXXX XXXX sharp of the account being overdrawn to deposit the funds to not be charged an overdraft fee. Funds were always deposit before the due time and was still charged the next dayban overdraft fee

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 2023-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I received a bill from aidvantage for {$1900.00}. They claim I owe a late fee when I have never had any dealings with this company ever and there is a federal student loan payment pause. The total amount is also incorrect. I attempted to call and speak to someone but could not get in touch with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: TX

Complaint narrative:
I am filing a formal complaint regarding the violation of my rights under the Fair Credit Reporting Act and 15 USC 1681 by consumer reporting agencies, as I am a natural person with federally protected consumer rights to privacy and confidentiality. The following items on my credit report have been furnished without my permission : XXXX XXXX XXXX This violates my rights under 15 U.S.C 1681 section 602 A, which grants me the right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Moreover, the consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), as multiple billing errors have been found in my credit report. 15 U.S. Code 1666 ( b ) billing error states that a creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor on a statement or a computation error or similar error of an accounting nature of the creditor on a statement is a billing error. As I did not receive a statement from the creditor notifying me 21 days prior to the due date, there should be no late payments on these accounts. I demand to see hard, solid proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. The following account should be updated as agreed on my consumer report. 

XXXXXXXX XXXX XXXXXXXX As a consumer, by law, these accounts on this letter must be updated immediately, or I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. 

In addition, I would like to report fraudulent inquiries that were made on my credit report by companies that I did not authorize to access my credit. These inquiries are as follows : o XXXX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Bureaus/mortgage Processing I have contacted these companies, and they have no proof that I have authorized these inquiries or permissible purpose. Therefore, I request that these inquiries be removed immediately. 

I have already reported this matter to the Complaint Portal for the State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

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 2023-03-26 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:
I am filing a formal complaint regarding the violation of my rights under the Fair Credit Reporting Act and 15 USC 1681 by consumer reporting agencies, as I am a natural person with federally protected consumer rights to privacy and confidentiality. The following items on my credit report have been furnished without my permission : XXXX XXXX XXXX This violates my rights under 15 U.S.C 1681 section 602 A, which grants me the right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Moreover, the consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), as multiple billing errors have been found in my credit report. 15 U.S. Code 1666 ( b ) billing error states that a creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor on a statement or a computation error or similar error of an accounting nature of the creditor on a statement is a billing error. As I did not receive a statement from the creditor notifying me 21 days prior to the due date, there should be no late payments on these accounts. I demand to see hard, solid proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. The following account should be updated as agreed on my consumer report. 

XXXXXXXX XXXX XXXXXXXX As a consumer, by law, these accounts on this letter must be updated immediately, or I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. 

In addition, I would like to report fraudulent inquiries that were made on my credit report by companies that I did not authorize to access my credit. These inquiries are as follows : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Credit Bureaus/mortgage Processing I have contacted these companies, and they have no proof that I have authorized these inquiries or permissible purpose. Therefore, I request that these inquiries be removed immediately. 

I have already reported this matter to the Complaint Portal for the State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account was closed due to overdraft fees

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 2023-03-26 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Compliant is against XXXX XXXX XXXXXXXX XXXX XXXX managed by Synchrony Bank ) and a Chevron Gas Station located at XXXX XXXX XXXX XXXX, XXXX XXXX, UT. On XX/XX/23 at XXXX XXXX, I stopped at the Chevron Gas Station mentioned-above to put gasoline to my car with credit card also mentioned-above. The total was {$44.00} -- See attached receipt. When I got home later on, I received an alert message that I had a purchase for {$50.00} -- See attached message. I immediately replied saying I did not purchased gas for {$50.00}. It was for {$44.00} -- See attached. No response was ever received to this message, as of today. I also called the credit card customer service immediately to advise I did not purchase anything for {$50.00}. For my surprise, I was told that the {$50.00} was a " Hold '' on my account, in addition to my purchase. I said I usually get a hold for {$1.00} but this is not right to place a Hold for that much, as if I were a criminal. She said the gas station did that. I got so upset and for protection of my account, I asked to close my credit card. The Customer service Rep had an attitude that she did not care about my concerns and processed my request immediately. Please note, I have excellent credit, I have always paid-off my balance on this account as soon as I use it and the balance gets posted, and this Customer Service rep did not care. Basically, she did not value customers like me and my business. The next day, I tried to get of hold of the Manager of the gas station. The call went into the Chevron Call Center. I know what a Hold means and I know it will go away, but my issue was, why me? The whole thing is basically a discrimination issue. I am a US Citizen but with a XXXX background and this is not the first time this has happened to me at a Chevron Gas Station & affiliated gas stations. Over a year ago, it happened to me at a XXXX XXXX XXXX from Chevron in XXXX, UT. I paid with a different credit card. A Hold for {$100.00} was placed in my XXXX Credit Card for putting gasoline of only {$25.00}!!! Like if I were a criminal that would not have a legit credit card. Although I closed my credit card with XXXXSynchrony and XXXX I'll never put gasoline at any of their gas stations, I am writing this complaint to let you know about their illegal or unreasonable " Hold '' amounts ' practices on people like me. You all should investigate this matter. By the way, after I have closed my account, I tried to get into my account and I couldn't, they blocked me out of my 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 2023-03-26 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:
I am a natural person. I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. Equifax has violated my rights on numerous occasions. I demand the accounts listed below be removed because according to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I received two letters in 2022 from Wells Fargo that there was an account opened in my name.

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 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I communicated with Bank of America via certified mail on XXXXXXXXXXXX XXXX,2023 Bank of America did not responded on timely manner within 7 business days Attached find letter and documents sent to bank Referring to account, account number ending in XXXX Bank of America letter dated XXXXXXXX XXXX,2023 Bank of America copy of letter As per your letter dated XXXX XXXX,2023, referring to credit card number ending in XXXX Payments from XXXX XXXXXXXX XXXX account ending in XXXX .Find enclose letter I never had an account at XXXX XXXXXXXX XXXX ending in XXXX, find enclose. 


No payments, fraud payments about account XXXX, Im requesting a cancellation letter for account ending in XXXX No payments made never had account at XXXXXXXX XXXX XXXX thank you 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 2023-03-26 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: GA

Complaint narrative:
I am a natural person and have rights under 15 USC 1681. As a living human being, I would like to file a formal complaint against the consumer reporting agencies for violating my rights and the Fair Credit Reporting Act. The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and I demand that they be deleted immediately. I did not provide permission for the consumer reporting agencies to furnish these accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX The consumer reporting agencies are governed by 15 USC 1681 and have violated my rights on several occasions. I have the right to privacy under 15 U.S.C 1681 section 602 A. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making a consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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.

I have identified multiple billing errors under 15 U.S. Code 1666 ( b ) billing error that the consumer reporting agencies have failed to address. These errors include the creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor, as well as a computation

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 2023-03-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, XXXX and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My account always overdraft and when i make a payment the money its taken and then its says pending it reduces the payment again, always my checking account running low even if i dont use it, theres no way i use that much money. I try to keep my money on savings to tract unusual overdraft and its going on, i havent put a claim yet but im trying to do it now

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