vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature. I the original creditor, am submitting this complaint myself. Please do not disregard this complaint as done previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have disputed this account more than once with the credit bureau. I have never been late on this account. I have a late 30 day late for XX/XX/2019. I have been a valued customer for a long time and I have never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
on XX/XX/XXXX, I started a complaint with CFPB case no. XXXX and it was closed to continue the case with the bank. I am starting all over again with the same complaint. my problem was from the very beginning that Citibank refuse to solve my problem by playing a game with the statute of limitations. i received a letter from the Citibank stating that due to the XXXX statute of limitations on checks and one-year statute for not reporting, they no longer help me with this case. 
The Citibank is not telling the true, my account was illegally closed, never received my money, and I have been trying to get an answer to my account since early XXXX but they weren't able to give me any answer until XX/XX/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 2022-04-08 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: MECHANICS BANK
State: CA

Complaint narrative:
Mechanics Bank XXXX XXXX has been furnishing inaccurate information to my consumer reports for years. I am convinced Mechanics is not going to follow the laws in which they are governed by. I have disputed the account multiple time and requested reinvestigations as it is my right pursuant to 15 USC 1681i. I have emailed called, emailed, and written Mechanics Bank XXXX XXXX about this erroneous claim. When I requested validation of this account, Mechanics sent me an installment contract with an alleged signature and a VIN number that was actually different than the VIN on other paperwork provided by Mechanics. This is alleging there are two different vehicles in one account. How could I be liable for this alleged debt when Mechanics hasn't even thoroughly examined their own documents? I as the consumer and natural person demand that this be removed from my consumer report. This is a bogus claim. Mechanics Bank XXXX XXXX 's reporting of this inaccurate information is damaging to my character. This must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a late payment to my credit report however I made payments during that time frame of the payment arrangement. I had follow all steps of making a valid payment arrangement via the cares act with this company during the con reed periods however the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.

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 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My wife was paid by check from her employer on XX/XX/XXXX and she did a mobile deposit with Wells Fargo. The funds are not available at this time due to whatever reason. The total amount for this transaction deposit is {$1000.00} and 100 % of the amount is still on hold as of XX/XX/XXXX. Wells Fargo ( My bank ) has already received the funds from XXXX ( Payers Bank ). I have a copy of the check from XXXX proving the funds have been paid on their end, and I have a bank statement proving funds have been withdrawn. Wells Fargo is illegally holding my funds for no reason as this transaction is valid and nothing to do with fraud. Wells Fargo has caused unnecessary stress in my home and I demand a full investigation. 

Wells Fargo has stated they contacted XXXX bank to verify funds, but after my manager spoke to XXXX Bank in concerns with the funds being withdrawn, XXXX informed my XXXX that Wells Fargo had not contacted them. 

This is deceiving a customer and it is in violation of the UDAAP. I need resolve 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
Consumer complaint received 2022-04-08 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: GA

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions

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 2022-04-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  - XXXX anXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions

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 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
THIS ACCOUNT WAS A RESULT OF IDENTITY THEFT DUE TO AN XXXX CREDIT BREECH .After submitted documents to sprint they continue to report this fraud account and sell it to collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
This inquiries was obtained unauthorized and reported to the credit bureaus, and it gives me a negative impact on my credit report. Either this inquiries promised to be soft or hard pull still not authorize and have no agreement Whatsover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This creditor XXXX XXXX did the inquiry on my credit without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
On XX/XX/2022 I tried to transfer {$30000.00} from my Marcus by Goldman Sachs savings account, via XXXX to a bank where I have a checking account ( XXXX XXXX XXXX  ). 

On XX/XX/XXXX I logged into my Marcus account to find out that the transfer had been reversed. 

I then called Marcus  to find out why the reversal happened, and over the course of XXXX hours, much of it involving a three-way conversation with a representative from XXXX XXXX XXXX ( where I was trying to transfer the {$30000.00} ), I was told by Marcus, that the transaction was reversed because of XXXX  XXXX. 

The representative from XXXX XXXX Bank told the Marcus representative that XXXX XXXX had no record of any transaction request from Marcus. In fact, on the day that the transaction reversal happened ( XX/XX/XXXX ) there was no one in the department at XXXX XXXX to initiate a reversal - because it was a Saturday. 

During the course of four hours involving four conversations with Marcus  representatives, each Marcus representative, including a supervisor, insisted that Marcus always places a code to indicate why a transaction was reversed. But they had no code, or reason listed, for the transfer reversal. Because there was no code given, Marcus representatives- including a supervisor and specialist- said the fault for the transaction reversal was XXXX XXXX 's. 

I should also mention that three times Marcus representatives hung up - each time the same representative from XXXX XXXX remained on the phone line with me. 

In summation, it seems as if Marcus by Goldman Sachs is refusing to admit any error in the reversal of the initial transfer ( XX/XX/XXXX ). 

I should also mention that on XX/XX/XXXX I did ask for a wire transfer - and a Marcus representative expedited that transfer, but I was charged {$16.00} for it. Marcus refused to pay the {$16.00} fee. And Marcus kept on insisting they bore no fault for the earlier transfer reversal of XX/XX/XXXX. 

I am left wondering how can Marcus claim no responsibility for the transfer reversal when XXXX XXXX clearly stated they never received the transfer request, and that no one at XXXX XXXX was in the office to even consider a reversal on the day the reversal was made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This creditor XXXX XXXX did the inquiry on my credit without my knowledge.

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 2022-04-08 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: CA

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything hs to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active i inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 renortinoadency can not furnish a account without mv written instructions

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 2022-04-08 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  This account was deleted form my credit file on XXXX XXXX do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) 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 I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair.

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 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : 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 2022-04-08 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: CA

Complaint narrative:
Please refer to the closed case # XXXX on XX/XX/XXXX of XXXX as I would like to reopen this case based on many other cases that have been reported since then on news and even XXXX & XXXX company website to finally inform consumers of scammers threatening their consumers to pay their bills via XXXX or XXXX, they will shut down their power shortly. This is what happened to me on a Saturday morning and I was frauded by a company called on XX/XX/XXXX pretending to be XXXX  & XXXX and asking for payment before they shut down my services in XXXX minutes. They seemed to have information about my XXXX  & XXXX as I haven't been making payments for the past few months of shutdown due to hardship but haven't also received any mail notices. They asked me to make a transfer from my account at Bank Of America with a feature called XXXX which they can receive their payment so that they would stop shutting down my services. They took XXXX different payments of {$190.00}, and then another for {$490.00} as that was the full amount they were looking for and not the partial payment of {$190.00} I tried to pay first. They told me they will issue a refund on the {$190.00} they couldn't accept and needed full payment of {$490.00}. Once they collected the full amount, they said they have systems issues and have to wait till Monday XX/XX/XXXX to issue refund. I called them and all their voice messaging systems were excatly as XXXX   & XXXX and trusted that this was XXXX  & XXXX. But when I tried to call them on XX/XX/XXXX, I realized that there was something wrong as they wouldn't want to issue a refund. I checked back and found other XXXX numbers for XXXX & XXXX and they told me that they haven't received any payments and realized I was frauded. I called Bank of America to report this fraud transaction and they started the claim but they wouldn't issue a refund back to me stating that this was my responsiblity to transfer cash to this party. 

As now this is very clear based on many other complaints went through the exact same situation which I started learning about this please refer to this news on XXXX XXXX : XXXX : XXXX This guy describe the same situation I went through in XXXX of XXXX and when I contacted both XXXX & XXXX and Bank of America , they wouldn't take any responsibility to refund my money back. Bank of America should have caught these scammers back in XXXX as there have been many other XXXX & XXXX consumers going through the same situations and should refund my money back of the XXXX XXXX transactions of {$190.00} and {$490.00} which would be a total of {$690.00}. 

Thanks, 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