vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a business account with Wells Fargo and added my first cashiers check from my client of {$5300.00}. I was assured that it would be fully available come XX/XX/XXXX, which it was. 
As we are waiting for our business accounts debit card to arrive, my wife and I took it upon ourselves to send {$300.00} to the personal account that we have had since XXXX, so that we could use that debit card to purchase tools. Upon examination of our account later at XXXX Tuesday evening, all of the money was gone, and now including a negative balance of {$300.00}. 
On XX/XX/XXXX at XXXX XXXX I went to Wells Fargo directly, the same one that we started the business account with, and was told that I would have to wait till XXXX XXXX  in order to rectify the situation. I had other things to do at my job site, so unfortunately I did have to leave. Upon returning at XXXX XXXX  I was told to wait off to the side, and was not approached till after XXXX about my account. 
I was then told that there was nothing that could be done because ( they ) werent sure if it was a fraudulent cashiers check, but had to make sure. From there I was told that the money that I needed to order cabinets for my refurbishment and pay my workers would not be available until the XXXX. 
Today being XX/XX/XXXX, I took a copy of the check, which Wells Fargo was graciously enough to give to me, and went to the XXXX XXXXXXXX XXXX where the check was made. My client the maker of the cashiers check also was gracious enough to not only give me a copy of his drivers license, but also a copy of the receipt for the cashiers check to prove that it wasnt fraudulent. Needless to say, I do not have my money, and this is costing me time and money with my work.

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 2023-05-04 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: 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO DEPT OF HUMAN SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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 confidentially under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: NJ

Complaint narrative:
Transunion, XXXX, and XXXX have violated the following laws : 15 U.S. Code 1681g, 15 U.S. Code 1681b, and 15 USC1681 ( c ) ( a ) ( 5 ).

I have mailed the attached letter over a month ago and have not received a response. Please remove the circled information in my attached dispute letter. I have not recieved a response from any credit reporting agency.

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 2023-05-04 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: NJ

Complaint narrative:
XXXX, XXXX, and Experian have violated the following laws : 15 U.S. Code 1681g, 15 U.S. Code 1681b, and 15 USC1681 ( c ) ( a ) ( 5 ).

I have mailed the attached letter over a month ago and have not received a response. Please remove the circled information in my attached dispute letter. I have not recieved a response from any credit reporting agency.

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 2023-05-04 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: MD

Complaint narrative:
I need you to look properly at the documents that I've attached.

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 2023-05-04 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: FL

Complaint narrative:
I can not get access to my Transunion account, even after speaking to multiple customer service agents and a supervisor. They keep saying their is fraud, which I know, because I put a man in prison for stealing my identity. Every time I try to talk to the correct person, they either hangup, or just put me back into the same customer service queue.

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 2023-05-04 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: LEXISNEXIS
State: OH

Complaint narrative:
not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
I had applied for the Apple Card ( XXXX ) and was denied multiple times for very unfair reasons. My credit report is inaccurate and has fraudulent accounts and collections on it. So therefore i shouldn't be denied for those reasons. I have never missed a payment nor had a credit card go to collections that i had RIGHTFULLY opened with my approval. Apple and Goldman Sachs Bank should approve the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I made my payment directly on the MACU website in advance of the due XX/XX/2023 date to pay the balance in full to {$0.00}. They still charged me {$270.00} in interest. They are stating it is because the interest that was charged was accrued from XXXX XXXX XX/XX/XXXX from the balance transfers that were made in XXXX. I had no idea that balance transfers do not have a grace period before interest starts accruing like purchases do. If this was disclosed at all, it is buried in the fine print somewhere and not easy to find or know from a customers perspective. It is very unfair to charge customer interest this way as most banks do not charge interest if a balance is paid in full before the due date regardless of whether it's a balance transfer or purchase. At the end of the day, I paid this balance in full prior to the due date and it's very unfair to still assess a customer interest when they did the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Equifax numerous times about my account issue. All they say is it's being escalated. When fax them info they say they never received it. They send me letters saying they have no accounts for me. When I call I speak to them about my account every time. My credit score can not be pulled at all by anyone or company. The public great score on XXXX XXXX is not the correct score. My score and account history have not been updated since XXXX of XXXX. Everytime I log into my account online it sends me a message with an error code that says XXXX. It says to call and give agents this code. I've called and sent letters and faxes so many times and they just keep saying it's been escalated to there tech team. It's been months now I can't apply for loans or credit at certain places. They aren't doing anything at all this is an internal issue with there systems online I've seen this has happened to many people and they didn't help them either. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I got a text saying if you do not recognize this charge callXXXX then they claimed the us marshalls would look into my accounts that appear to be fraudulent then I hung up they asked if my name and address was - it was correct

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 2023-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX lawn Mower from Walmart.com with my Capital One card. The lawn mower has a one year warranty through the manufacturer. 

On XX/XX/XXXX the main shaft of the lawn mower broke off and rendered useless. I at first called WalMart, who referred me to the manufacturer. I called the manufacturer and was told to call local authorized retailers. When I called the dealers, I either received no answer when calling or was told they are not authorized dealers. I called the manufacturer directly XXXX and was told they are not the manufacturer, even though they have the same address. ( I am including documentation to validate all this ). I have been going in circles between WalMart and the Manufacturer. 

I filed a dispute with my Credit card company Capital One on XX/XX/XXXX because Walmart and the Manufacturer were giving me the run around on a replacement, repair refund. On XX/XX/XXXX I submitted all the documentation of my attempts to reach someone who can resolve the issue of the broken lawn mower. 

On XX/XX/XXXX, Capital One told me the reason why they we closing the case was because I didn't have a 2nd opinion from on what to do about the issue. I sent them detailed documentation on my attempts to reach XXXX XXXX, XXXX, and Walmart. 

On XX/XX/XXXX I called Capital and spoke with a representative about sending in the documentation. He gave me the reason as not getting a 2nd opinion on the issue. I asked to speak with a supervisor, I was transferred to someone named XXXX. Our call lasted over an hour. 

During the call, with me and XXXX ( Supervisor for Capital One on the call ) called XXXX XXXX, who opened a ticket but told us there is nothing they can do as far as refunds, repairs, or exchanges and that we need to reach out to Walmart. 

XXXX ( supervisor for Capital One ) called Walmart and we talked with a representative about the issue and he transferred us to someone who never picked up the line and some how we ended up back in que with XXXX trying to select options trying to get a hold of someone. 

XXXX, witnessed, first hand, my attempt at getting some kind of resolution for the broken lawn mower. 

When she couldn't get a hold of anyone at Wal-mart she told me it is my responsibility to contact Walmart to resolve the issue. When this issue started I have contacted Walmart multiple times with them telling me I need to contact the Manufacturer and on the call today with XXXX, the manufacturer told us to call the retailer ( Walmart ). 

I am including all the documentation that I have compiled over the past month trying to get this resolved, all documentation was provided to Capital One for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IA

Complaint narrative:
I called into U.S Bank on XX/XX/ and due to suspicious activity that I wasn't given details on, they decided to close my U.S Bank Checking Account and send me a closing packet which includes {$1500.00} of money that I deposited with them. They were very rude, and no reason was given, and I told them I would not be using their services in the future due to the situation being handled so poorly, I just want my money back. I am filing this complaint on XX/XX/ and still have not received the closing packet with the {$1500.00}. Please help me get this resolved, as this is very frustrating and I just want my money back, and no longer want to do any business with U.S 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 2023-05-04 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: IL

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-05-04 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: SC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2023-05-04 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: LA

Complaint narrative:
Company continues to willfully report inaccurate information on my consumer report. 

Company has identified me as XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, LA XXXX. 
I have never lived at this address and have called numerous times and disputed this information.. They refuse to comply with FCRA. 
15 US 1681e- Compliance Procedures B Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-05-04 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: NC

Complaint narrative:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: TX

Complaint narrative:
I have sent certified letters to XXXX, Equifax, and XXXX that I have accounts that are not accurate. I have been told the account was updated. When viewing the acct it is not accurate still. each bureau has different reporting information. Company XXXX  is reporting a charged off acct as late payment how is there payments due on charged off acct. I have sent documentation to XXXX and communicated with XXXX via phone. I have requested old addresses be removed from report due to identity theft also but that have not been completed. They are reporting c/o on an acct as if it is brand new it has already been charged off as bad debt in 2020. It is not charged off every month. Company took payment on charged off account after sending me a earned income statement. The bureaus will not report accurate information on my report. I just desire have accurate reporting information on my reports.

Company response to consumer: Closed with explanation