vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: TN

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. These are clear violations of my federally protected consumer rights. XXXXXXXX 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 2022-11-03 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo is violating FCRA and XXXX XXXX compliance laws. 
I have made several disputes and CRAs contacted Wells Fargo for investigation on this account no : XXXX... XXXX my credit report, and Wells Fargo did not investigate the accuracy of the data they are furnishing.

Per FCRA laws, Wells Fargo has a duty as a data furnisher to provide complete and accurate information. Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. It further states that there is a 90 day compliance reporting period after the account is charged off. XXXX and XXXX does not show the Date of First Delinquency on my report and I have ordered the mail paper copies and confirmed that it is not being reported. I contacted the 2 CRAs and they show what Wells Fargo reports and also told me it is up to Wells Fargo to report it. XXXX has the incorrect DOFD too.

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 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My wife received an email about an account that was opened up in my name back in XX/XX/2022. She called to ask me if I had done this and I said no. She called Bank of America and spent over an hour trying to figure this out, she added me to the call and before we could get an answer from someone, we got disconnected. At the end of last month, we received a bank statement from them with a - {$4.00} service fee. I called Bank of Americas service line on the invoice XXXX and got sent to 3 different departments. The last person that I spoke with gave me a claim number and also a phone number for the FTC to call and report it and they could check to see if anything else was done to affect my credit ( any loans taken out against me or something else like that ). All of it seemed strange to me and not quite right. On the FTC website they didn't list a contact number, the one I was given was XXXX and I didn't want to call if there was a chance it was another scam.

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 2022-11-03 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 — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX my locker at XXXX XXXX was broken into and my credit cards were stolen. One of the stolen cards was my Affirm XXXXXXXX XXXX XXXX. The thieves used my Affirm XXXX XXXX XXXX to purchase five {$200.00} gift cards at XXXX, totaling {$1000.00}. I deactivated my Affirm XXXX XXXX XXXX then contacted Affirm to report the Fraud. I first used the report fraud form on the Affirm XXXX then the following day I contacted Affirm and spoke with a rep. The rep told me it would take around 3-5 day for a response. After a week I again contacted Affirm to inquire about the status of my case and again I was told 3-5 days. On XX/XX/XXXX I received several emails from Affirm, half of the emails said my case was lost and the other half of the emails said my case was open. I immediately contacted Affirm and was told by the rep that there was no record of emails saying my case was lost and that they all show open still under investigation. Again, I was told 3-5 days before I would hear anything about my case. I contacted Affirm again on Friday XX/XX/XXXX only to be told my case was open and I should wait 3-5 days. I then contacted Affirm again on XXXX and again was told my case is open and to wait 3-5 days. Today XXXX I received XXXX emails from Affirm, one stating my case was just opened and the second email stating my case was lost. I have a police report from the XXXX state police who are investigating the case and the police also have video surveillance of the thieves entering XXXX XXXX, exiting XXXX XXXX and also making the purchases at XXXX. I am attaching the police report to this complaint along with a screen shot from the XXXX XXXX XXXX Stoppers page.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
I received a response to my previous complaint that the accounts listed on that complaint came back verified. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. FCRA states that information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. You have been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not deleted from my report. Please do not update or verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contracts and physical documentation to support the information that is being reported on my credit report via mail. Screenshots and statements will not suffice. Please send my actual signature on a contract as these accounts are not mine. I am in the process of planning a legal case, so I need specific answers to what was asked of you in this complaint. Please provide your method of verification for the below accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hello, we recently requested a refund on our loan from Nelnet servicer and was promised the process would take 4-6 weeks. However, it has been past this amount and after contacting around 5 times already, the process continues to be pushed back by their representatives. We applied in late XXXX and each representative continues to state a different statement about the status of our request. After our first email, we havent had an email response from this company since the first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: TN

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. These are clear violations of my federally protected consumer rights. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # xxx 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 2022-11-03 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: TN

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations. According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. These are clear violations of my federally protected consumer rights. 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 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Credit application on XX/XX/2022 from a TD CARD SERVICES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 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:
I am a natural person, I am a human being, I have rights under 15 USC 1681. 

XXXX and Transunion are govern by 15 USC 1681. And they have violated my rights numerous of times.

I demand the accounts listed below be deleted. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX and Transunion written permission to furnish these accounts and inquires. 

XXXXXXXX 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 2022-11-03 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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.

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 2022-11-03 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: GA

Complaint narrative:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS. I HAVE ALSO FILED FTC REPORTS WITH PROOF.

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 2022-11-03 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: GA

Complaint narrative:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS. I HAVE ALSO FILED FTC REPORTS WITH PROOF.

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 2022-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 my XXXX cell phone number was hacked and transferred to a prepaid phone. My phone number was then used to transfer {$22000.00} from my Wells Fargo checking account to a XXXX XXXX XXXX account. I contacted Wells Fargo fraud department the same day and filed a claim. However Wells Fargo has denied my claim.

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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The bank has placed what is termed " an extraordinary hold '' on two checked deposited into my account on XX/XX/XXXX, such holds are spelled out and defined within the Expedited Funds Availability Act of XXXX ( EFAA ) enacted in by the United States Congress for the purpose of standardizing hold periods on deposits made to commercial banks and to regulate institutions ' use of deposit holds. The deposit total is approximately {$8000.00} and falls within the established hold rule of large deposits. Such deposits are to be held and funds incrementally released as follows : Large deposit : deposits greater than {$5000.00}. A release of {$200.00} on the first business day following deposit, a release of {$600.00} on the second business day following deposit, and a release of {$4800.00} on the third business day following deposit, with the complete remainder released on the seventh business day. 

I contacted my local Bank of America branch, made aware of this rule and gave them a copy of the EFAA and how their actions failed to follow the established EFAA rules and I was told the holds were placed on the items " by the system ( I am assuming meaning " their computer '' ) and no one had/has the ability to override the holds. 

I then made a call to the customer service line for assistance and was given the same answer mentioned above. I then made an appointment with a local branch manager who attempted to speak with the department managing the holds, and that manager was told, " the bank hold complied with the terms of the depositor agreement '', when I explained the agreement does not have the right to violated the law the telephone call was disconnected and a recorded message instructing us to call back again during XXXX Central Standard Time ( please note the time was XXXX PST when the call was disconnected. 

My complaint alleges that Bank of America is in XXXX Breach of the EFAA and the protections established within the the intent of law and rules governing the holds on deposits for depositors of the bank. Such disregard for compliance by the bank to follow fully the rules places at harm, the American public, and a possible greater risk of financial harm to the overall financial damage to the American economy. 

If depositors can not access their funds in a timely manner, it is reasonable to assert that those actions create a cascade effect for those persons and businesses awaiting payments to cover liabilities of the depositors. 

Your assistance and help is greatly appreciated.

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 2022-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
CAPITAL ONE AUTO FINANCING IS REPOTING AN ACCOUNT THAT IS INACCURATE. THE ACCOUNT HAS BEEN PAID IN FULL. THE REPORTING AGENCIES DO NOT HAVE PERMISSION TO EPORT THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX I deposited cash money in my account it didn't post to my account until Monday. I was charged {$36.00} for an overdraft of {$3.00}. Then it continued through out the week where Truist rearranged my transactions each time resulting in {$3.00} XXXX to incur an overdraft charge. I have asked them to take this overdraft off of my account XXXX XXXX XXXX refused to remove it. Stating that Ive already receive a courtesy removal of overdrafts which was the same thing. Being charged for Truist rearranging charges to incur a fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Genesis credit management {$1300.00} My apartment complex I use to live at sold their debt to this company and they dont have a license to collect in the state of Texas which is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please delete and remove the XXXX XXXX account from my credit report listing as a hard inquiry. I have had no contact with this company and I have not applied for credit on their stated XX/XX/XXXX or XX/XX/XXXX. It is well past Maryland statute of limitations 3 or 7 years! I am still being harassed by this company when there was a charge off as of XX/XX/XXXX. I have successfully had this information removed from XXXX report and my XXXX report. Thank you very much for your help. Sincerely, 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