vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was unwittingly tricked into transferring money thru XXXX to XXXX a trusted company! I spoke with just about everyone to resolve and no one helped me. I just started my own business and they scared me into to turning off my service! With customers at the shop I couldnt afford that! Please understand me during this difficult and crazy time being a XXXX XXXX XXXX!! Now that Ive complained XXXX has added XXXX New pop ups reassuring transactions being made! Reassuring that the person that is receiving the money is signed up for the program!! This is not fair to me! I have recent pics of new changes if needed

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 2022-10-18 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-18 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have made several contact via mail and phone calls to the Credit Bureau Experian, XXXX and XXXX about fraud and wrong information on my Credit report despite sending all credit Bureau consistent letters and documentation that proves My address and Identity they still refuse to remove these Negative Items that is retarding my ability to obtain financing for my business and lively hood i have been sending letters since XX/XX/XXXX which makes 1 year since i have been sending them letters base on my last set sent XX/XX/XXXX, Experian Strategy seems to be just runs you in circle you send them your Address credential they required by law the refuse to make the dispute then when you call they saying you need to send the same legal requirement that you send them.

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 2022-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a transfer request for {$15000.00} from my Webster Bank/XXXX XXXX savings to my XXXX XXXX  XXXX XXXX XX/XX/XXXX, after verifying XXXX XXXX  deposits made to my XXXX account. On XX/XX/XXXX I received a message that the transfer was blocked by security and they requested a copy of my DL and bank statement, even though I had already verified my account per policy. I sent a copy of my DL and bank information the same day. They then asked for additional documents on XX/XX/XXXX. I sent them the same day. On XX/XX/XXXX, the {$15000.00} transfer was debited from my account. Today is XX/XX/XXXX and the funds are still not in my XXXX account. I called and spoke to customer service on XX/XX/XXXX after waiting more than an hour, and the rep indicated the transfer request was approved and the funds should be showing up within a couple business days. The funds are still not in my XXXX account. I called again today XX/XX/XXXX and the hold times were over XXXX hr XXXX mins. I have spent XXXX hours on the phone attempting to get this resolved. I finally was able to get in touch with another representative, who informed me that " the documentation you sent in is still under review '', however the funds were already debited from my savings on XX/XX/XXXX. After being placed on hold for over XXXX mins, the rep disconnected my call and I was transferred to a survey. My funds are still in limbo and I have yet to see them deposited to my XXXX account. This is in violation with the Federal Funds availability act, Reg CC. I am not earning interest on my funds because they have now been debited from my account, however Webster Bank has still not sent them to my bank for deposit, 11 days after my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was Racially profiled by Bank of America and they closed my account. I deposited a check into my bank of america bank account on XX/XX/2022 via the ATM the amount of the check was XXXX after placing several holds on the XXXX Bank of America closed my account citing that the Check was Counterfeit after several attempts to resolve the issue with bank XXXX by going into the branch and presented Check Stub and XXXX form Bank of America still insisted that the Check was Fraudulent and closed my account. Which inccured injury to me because my insurance, Car payment and bills were do to come out of that account and Also a XXXX check of {$700.00} for XXXX XXXX was also suppose to go into that account. Because the Check was Valid there is no other reason for them to not clear the check and close my account other than the fact that I'm a 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 2022-10-18 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-18 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: AZ

Complaint narrative:
I purchased a Used transmission for XXXX from a junkyard on XX/XX/2022 with a 30 day warranty. Once transmission was received, the transmission was broken. After trying to resolve the issue with the XXXX ( XXXX 's auto recycling ), they claimed that they did not break the transmission and declined the return even though i provided them with pictures and proof instantly after receiving the transmission. Capital one advised me to get a XXXX opinion from a 2nd merchant and to return the item. The 2nd merchant concluded upon investigation that transmission was broken due to a car accident before shipment, i also returned the transmission with a tracking number. Despite doing everything capital one advised me to do, they declined the dispute. I have been using my capital one credit card for 6 years, spending over XXXX per week on it, only to be robbed from my money as a thank you. Capital one is terrible, and i advise everyone to stay away from visa and use a safer company like XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: IL

Complaint narrative:
I turned XXXX and im serious on buying a house for me and my family and was told i have 10 to 12 of these listing of hard inquiries and inquiries, US SM ADMIN 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 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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian claims to be a great company and many other companies use it as a credit service. Meanwhile they don't report accurate information and they only point fingers to other companies. 

They do a terrible job at accumulating information and reporting accurate information. Therefore hurting the consumer. Their lack of communication and accurate reporting hurts ultimately the consumer. Hence everything with having to do with my XXXX  XXXX  in which they deleted on purpose inaccurate credit card reporting and ultimately not being held accountable for their own errors. The creditors act as mirrors. If they report one report it will go to another hurting the consumer. 

These credit agencies are a danger to the consumer and report inaccurate information. All they do is try to push their marketing and try to charge you money for things that do not work. They push emails on credit cards in which you do not need. 

They are enormous marketing machines and they do more harm than help. 

Thanks

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 2022-10-18 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: PA

Complaint narrative:
Please remove XXXX  XXXX XXXX, XXXX and XXXX XXXX  off my credit report these account are volating my rights under the FCRA under idenity theft on veterans in XXXX XXXX on XXXX. THESE ACCOUNTS ARE IN LITIGATIONS with XXXX AND EXPERIAN for applying these accounts without first verifing accurate information on personal credit files. Please hold these credit bureaus accoutable.

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 2022-10-18 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: AR

Complaint narrative:
Pursuant TO 15 USC 1692J XXXX XXXX  IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
XXXX XXXX  IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT XXXX XXXX WAS THE COMAPANY I DID BUSINESS WITH. 
XXXX XXXX  IS ALSON IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS XXXX XXXX  AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND XXXX XXXX  TURN AROUND AND FURNISH FALSE INFORMATION TO 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 explanation
Consumer complaint received 2022-10-18 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: AR

Complaint narrative:
Pursuant TO 15 USC 1692J XXXX XXXX  IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
XXXX XXXX  IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT XXXX XXXX WAS THE COMAPANY I DID BUSINESS WITH. 
XXXX XXXX  IS ALSON IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS XXXX XXXX AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND XXXX XXXX  TURN AROUND AND FURNISH FALSE INFORMATION TO MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: AR

Complaint narrative:
Pursuant TO 15 USC 1692J XXXX XXXX  IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
XXXX XXXX  IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT CAR MART WAS THE COMAPANY I DID BUSINESS WITH. 
XXXX XXXX  IS ALSON IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS XXXX XXXX AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND XXXX XXXX  TURN AROUND AND FURNISH FALSE INFORMATION TO 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 explanation
Consumer complaint received 2022-10-18 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: CA

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 15USC 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 XXXX XXXX5 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TX

Complaint narrative:
I have submitted letters on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 The required notice of dispute was never entered within the 30 day time frame after multiple attempts - delete these accounts immediately pursuant to section 623. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer 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