vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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:
I deposited a check for over $ XXXX into my Wells Fargo business checking account. I usually receive funds the following business day. I was notified that I had too many overdraft on my account ( verified that I have had XXXX in the last 12 months ). They are now refusing to give me access to my funds for 15 days!!! This is criminal and completely unacceptable to steal over $ XXXX because I was overdrawn by {$100.00} ( {$35.00} of that was a fee ) XXXX time in the last 12 months. 

When I asked a branch manager they said they have been giving me access to my funds the following business day " as a courtesy '' for the last 75+ deposits and that something must have happened to auto trigger this response that they could not identify. 

They said it is very difficult to undo this one the " algorithm '' has triggered the account and that even in a best case scenario it will take over a week to resolve. This is pathetic and evil to steal $ XXXX from me for over two weeks.

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 2022-07-11 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: CarMax, Inc.
State: TX

Complaint narrative:
Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All XXXX credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Good day! 

This narrative letter is a complain I am filing against Capital One Bank Checking Account.

I deposited two checks on XX/XX/2022 to my bank account which is the Capital One Bank. 
One check is from auto insurance ( XXXX amount is {$3600.00} ) and the second is auto insurance ( XXXX amount is {$2800.00} ) Unfortunately Capital One Bank froze my account on XX/XX/2022 that I cant able to access.For some reason that the check wasnt written under my name but under my customers name. I been trying to call them to fix my account however they mention it takes 60-90 days to fix for them and 90 days is over already. 
And now they mention that they need a HOLD HARMLESS FORM from the auto insurance company I been calling capital one bank that XXXX XXXX doesnt issue that form cause the money has go through already. 
And now I am truly mad and frustrated this kind of management they have. 
Please help me cause that was ourBREAD AND BUTTER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: AZ

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX explaining to them that there were accounts on my report that I never gave written consent to be placed on my report. These letters were all sent out to these three reporting agencies on XX/XX/XXXX. It has almost been a month since this letter has been sent and many of those accounts remain on my reports. Pursuant to 15 USC 1681 ( o ) it states that my consent was supposed to be provided to any companies reporting to these agencies. I never consented to these being placed on my report.

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 2022-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
How can a debt collector have o many different phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My Mortgage is in forbearance and I am trying to do a modification to bring my account current, however, XXXX XXXX XXXX reported to all three major credit bureau that I have been over 120 days delinquent. This has affected my credit tremendously. 
Below is posted on their web site. I disputed the delinquent with them and I was told to dispute it with credit bureau and they will address it. 

BELOW THIS IS POSTED ON MY ACCOUNT ON THE WEB Our systems indicate the you are currently on a forbearance plan or have been on a forbearance plan in the past. While on the forbearance plan, you are not required to make your monthly mortgage payments, you will not be assessed any late charges, and negative credit reporting has been suspended on your loan. This means you will not be marked " late '' for any suspended payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My Mortgage is in forbearance and I am trying to do a modification to bring my account current, however, XXXX XXXX XXXXXXXX  reported to all three major credit bureau that I have been over 120 days delinquent. This has affected my credit tremendously. 
Below is posted on their web site. I disputed the delinquent with them and I was told to dispute it with credit bureau and they will address it. 

BELOW THIS IS POSTED ON MY ACCOUNT ON THE WEB Our systems indicate the you are currently on a forbearance plan or have been on a forbearance plan in the past. While on the forbearance plan, you are not required to make your monthly mortgage payments, you will not be assessed any late charges, and negative credit reporting has been suspended on your loan. This means you will not be marked " late '' for any suspended payments.

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 2022-07-11 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: AL

Complaint narrative:
`I went to XXXX XXXX to get a vehicle and I was told that they were only going to run my credit report but after I checked my report I have several hard inquiries attached to my report that I would like to be removed please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$10000.00} Account Status : Closed Payment Status : Charge-off Account Name : U S DEPT OF EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$3300.00} Account Status : Closed Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Account Balance : {$520.00} Account Status : -- Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department

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 2022-07-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$10000.00} Account Status : Closed Payment Status : Charge-off Account Name : U S DEPT OF EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$3300.00} Account Status : Closed Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Opened : XX/XX/XXXX Account Balance : {$520.00} Account Status : -- Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Ive been having a recurring issue with Truist charging maintenance fees on my legacy Suntrust savings account. The account in question has had recurring transfers of {$30.00} from checking into savings each month since opening the account which is one of the conditions for avoiding the {$7.00} maintenance fee. After the changeover to Truist, their system has charged this fee although nothing has changed with the account. I contacted Truist through XXXX in XX/XX/XXXX about this issue and was credited the fees and told the issue would be resolved. On XX/XX/XXXX, I was once again charged a {$7.00} maintenance fee. Ive reached out to Truist through XXXX once again via a XXXX and direct message about the issue and have yet to receive a response. Ive also contacted Truist twice through their chat support and have been unable to get the issue resolved.

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 2022-07-11 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  XX/XX/2022 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 2022-07-11 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: NY

Complaint narrative:
Experian is reporting a date last active of XX/XX/XXXX while the other bureaus report different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ). 

Experian also reports the last reported date as XX/XX/XXXX, which indicates that this account was never investigated or legally verified.

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 2022-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-07-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-07-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit reporting act, CAPITAL ONE AUTO FINANCE has Violated my rights. 15 U.S.C. 1681, Sec 602A States I have the right to my privacy. 15 U.S.C. 1681 Sec. 604A, Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 2 : It also states a consumer reporting agency can not furnish an account with 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 2022-07-11 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 received a copy of my credit report and found the following item ( s ) to be in error : n accordance with the Fair Credit Reporting act 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 please remove or Delete from my report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

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 2022-07-11 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 received a copy of my credit report and found the following item ( s ) to be in error : n accordance with the Fair Credit Reporting act 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
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 please remove or Delete from my report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: AZ

Complaint narrative:
I Recently went to a car dealership and only authorized an inquiry for XXXX however the dealership ran my social across many companies and that has tremendously affected my credit score these are the unauthorized Inquiries XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-07-11 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: AZ

Complaint narrative:
I Recently went to a car dealership and only authorized an inquiry for XXXX however the dealership ran my social across many companies and that has tremendously affected my credit score these are the unauthorized Inquiries XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) EXPERIAN 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 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
CRA of 15USC ; 1681, SECTION 602A, states I have a right to privacy. Also, it states the credit reporting agencies can not furnish account data without my permission/consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
CRA of 15USC ; 1681, SECTION 602A, states I have a right to privacy. Also, it states the credit reporting agencies can not furnish account data without my permission/consent.

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