vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I made a larger payment against a bank of america mastercard from my bank of america checking account on Friday XX/XX/XXXX for {$1100.00}. Leaving Tuesday on a trip. No where on the bank website does it state that the payment will be held for 7 days. I am leaving on a trip on XX/XX/XXXX and was told today after waiting on hold for 47 minutes on their customer service line that there was nothing the manager could do to release the hold. The irony is that this is also a secure credit card with a savings account to back it. The manager gave no explanation of why 7 days. After all it was drafted from a bank of America checking account and posted against the available balance on XX/XX/XXXX. I am now being told that the funds are being held until Friday XX/XX/XXXX. The bank is illegally holding my funds to earn interest without explanation. I want the funds released immediately.

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 monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I did a balance transfer of my credit card funds. I transferred my funds from my XXXX XXXX Credit Card account to my brand new Wells Fargo XXXX XXXX XXXX Account. I did it online on the wells Fargo online site. 
I asked Wells Fargo to go to my XXXX XXXX credit card and do a balance transfer. 
The {$3000.00} was then moved to my Wells Fargo Credit card but never came out of my XXXX XXXX card. I did two disputes and executive investigation with Wells Fargo. They said they transferred it and it is not their fault it did not come out of XXXX XXXX. However, when I call XXXX XXXX they said that did not receive anything and it was up to Wells Fargo. 
I have called and sent letter along with through investigations and nothing is working to have them fix this. I am now owing a total of {$6000.00} with {$3000.00} for Wells Fargo and {$3000.00} for XXXX XXXX plus the interest.

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 monetary relief
Consumer complaint received 2022-04-19 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: MS

Complaint narrative:
In accordance with the fair credit reporting act the account below Has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681 XXXX  Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  XXXX has violated my rights 15 USC 1682 section 602.A States XXXX have right to privacy 15 USC section 604 A.section 2 it also states a consumer reporting agency Can not furnish A account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: U.S. BANCORP
State: WA

Complaint narrative:
I pulled my credit report on XX/XX/2021 and sent a notice and pulled it again on XX/XX/XXXX and noticed an auto loan that is being reported. This auto loan is categorized as an " experience '' I initially had with XXXX XXXX of XXXX XXXX and then with US Bank so reporting it publicly to XXXX, XXXX and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), because they werent involved in this private matter, and this is a violation specifically of 15 USC 1681a ( 2 ) ( a ) ( i ). Because Ive already sent a previous notice to the furnisher or creditor, this is also a violation of 15 USC 1681s-2 : responsibilities of furnishers of information to consumer reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I pulled my credit report on XX/XX/2021 and sent a notice and pulled it again on XX/XX/XXXX and noticed an auto loan that is being reported. This auto loan is categorized as an " experience '' I initially had with XXXX XXXX of XXXX XXXX and then with US Bank so reporting it publicly to XXXX, TransUnion and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), because they werent involved in this private matter, and this is a violation specifically of 15 USC 1681a ( 2 ) ( a ) ( i ). Because Ive already sent a previous notice to the furnisher or creditor, this is also a violation of 15 USC 1681s-2 : responsibilities of furnishers of information to consumer reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Bank 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 non-monetary relief
Consumer complaint received 2022-04-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Pursuant to 15 USC 1666d, Comenity Bank must credit my account the amount of its credit balance in excess of {$1.00} : Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 

Pursuant to 15 USC 1605, a finance charge is the sum of all charges however Comenity has failed to disclose this to me and I am due a refund of any payments I made. 
( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Credit management LP Account # XXXX, XXXX XXXX XXXX Account 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The FCRA allows only authorized inquiries to appear on the consumer credit report. This is Defamation, Negligent Enablement of Identity Fraud and Violations of the FCRA. Failure to respond satisfactory compliance within 30 days of receipt of this CFPB complaint will result in small claims actions against your company seeking {$1000.00} per violation. I have been keeping up with all complaints and corresponds from you. Please validate this information with companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

TEAM & amp XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/2021 XXXX ( Bank ) XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX ( Hotel and travel ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 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 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
The bureaus continues to put wrong information onto my reports affecting my life with no investigation to where the debts is mine these are not my utility debts at all I never lived at address please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: MS

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 XXXXXXXX XXXX  XXXX # XXXX ACCOUNT has violated my rights. 
XXXX XXXXY XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
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 I DD NOT GIVE WRITTEN INSTRUCTION 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MS

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 ACCOUNT has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  XXXX XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
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 I DD NOT GIVE WRITTEN INSTRUCTION 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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendors XXXX or XXXX XXXX XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 


XX/XX/2022 I had disputed with equifax about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from equifax do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendors XXXX or XXXX XXXX XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

XX/XX/2022 I had disputed with experian about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from experian do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 


XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MS

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 XXXXXXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX  ACCOUNT # XXXX has violated my rights. 
XXXX, XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # 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 I DID NOT GIVE WRITTEN INSTRUCTION 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