vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
On XX/XX/XXXX I sent a paper form request to all three credit bureaus for my annual free credit reports. On XX/XX/XXXX XXXX complied. I sent another paper form request on XX/XX/XXXX for my Equifax and XXXX XXXX credit reports. On XX/XX/XXXX XXXX XXXX complied. Note In XXXX I had the same issue with Equifax and had to file a complaint to get my free report. However, in XXXX all three credit reports came without no roadblocks after I sent in a paper form request for all three credit reports, go figure. Now I am stuck in the same rut with Equifax skullduggery tactics. 
During my constant dealings with Equifax, I received XXXX letters from them with the same subject matter requesting identification information. I complied with letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectfully. I sent them copy of my drivers license, current house bills with my name/address and a copy of my social security card. In addition, I have filed complaints with the XXXX XXXX XXXX to no avail and CFPB. 
I would like for Equifax to follow the federal law and provide me with my free credit report and quit stonewalling me for no reason except to harass. My opinion is that those responsible for this debacle should be brought up before the U.S. Senate Committee of the Judiciary to explain their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I submitted a complaint to Consumer Finance.gov about misapplying my payment where I was charged interest even though I paid the minimum ( which the statement states woudl apply to the lower apr ) + the remaining purchases balance. 

They have provided me with the reason I have been paying interest. 

They have one line written in their XXXX  when you agree to the balance transfer which makes it so that you agree that while you have a balance transfer still on your card, if you make any purchases on the card you pay interest immediately on those purchases. This is incongruent with what my card is typically. 

They then repeatedly refer me back to the section in my credit card statement, but I noticed something. They don't have that term written in the Credit Card Statement. They also don't have it in the Renewal Notice in 2023 when I carried a balance. They also did not email me the terms and conditions, that I can find. They don't have it available online. They don't display these terms anywhere it is only on one line of an online agreement. This is a disingenuous business practice and I would wager a guess they have been using this to scrape garbage interest off of unsuspecting people for a long time. You should investigate : 1. ) Why the Terms and Conditions aren't available to me? 
2. ) Why this special condition isn't included on statements? 
3. ) How much they have ripped off consumers by misleading them to think it is their fault for missing one line that they have deliberately hidden after?

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 2024-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
It appears in the concern regarding my professional license, Wells Fargo did not confirm that the check sent to the Virginia Board of Nursing XXXX Treasurer of Virginia had been cashed as stated by my personal bank but instead asked me for the account number. I, XXXX XXXX XXXX ( XXXX XXXX ) does not have anyone 's banking information other than my own and I specifically stated my personal bank confirmed the check had been cashed but the Virginia Board of Nursing has not provided me with a license or scheduled a hearing, updated orders, etc. I, XXXX XXXX XXXX ( XXXX XXXX ) further stated that the revocation of my license is due to my refusal to give up property ; specifically my property in XXXX XXXX XXXX XXXX, VA as well as heirship property in XXXX XXXX, VA. In regards to the XXXX XXXX XXXX, Wells Fargo asked for an address that has been updated to match the name of XXXX XXXX and XXXX XXXX but again tried to place blame that XXXX XXXX XXXX did not disclose this information. However, XXXX XXXX XXXX did disclose during the application process that lasted months that she had heirship property in XXXX XXXX, VA and that was her original site to build. Even if she didn't disclose this, it is the responsibility of Wells Fargo and others to do a title search at their expense to determine ownership. Wells Fargo concluded that they were not going to help get the license of XXXX XXXX XXXX XXXX XXXX back and that is the reason for the initial complaint in the first place due to the use of force by agencies to take property and license when XXXX XXXX XXXX refused to give them up. XXXX XXXX XXXX ( XXXX XXXX ) filed an insurance claim against her homeowner 's insurance policy to recover both her land and money as well as loss wages that Wells Fargo is either denying she has a right to or that they allegedly did not receive pre-petition, during petition, and post petition bankruptcy.

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 2024-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Filed disppute of {$150.00} for XXXX transaction sent to wrong individual XX/XX/XXXX Spoke to WF representative, XXXX, his response was that case is with XXXX. 
XX/XX/XXXX Spoke to WF representative, XXXX, his response, no updates from receiving bank XX/XX/XXXX Spoke to WF representative, XXXX, her response, no updates from back office but would follow up and also included AirBnB fradulant transaction. 
XXXX Spoke to WF rep, XXXX, her response was she'd send another message to back office requesting update. 
XXXX to WF rep, XXXX, her response XXXX no updates and no guarantee of a resolution. Filed copmlaint with CFPB XXXX XXXX Returned call from XXXX from WF executive office. Left voicemail. 
XXXX Spoke to XXXX again from WF executive office, her response to the complaint is that there are no funds to reverse back.

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 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been getting emails from Chase Bank, I reported it to the FTC and local law enforcement a few months ago. I tried to call the company to change the account information as I used to have an account with Chase Bank years ago but was unable to. The guy who answered the phone just asked for my social security number and my address and took a moment to '' change my phone number '' but there was no hold music and he wasn't being very clear about the process of changing my phone number. I think to intentionally confuse me. This has also happened with XXXX XXXX, another account I no longer have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
I disagree with the inquires listed in my consumer report which still appears on my credit report, even after your Investigation. I would like these inquiries immediately re-investigated. The inaccuracies are highly injurious to my credit score ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, The report is even addressing me as XXXX XXXX which is not my name. I have attached a copy of my current state identification along with proof of residence and FTC report. And the results from this initial investigation. 


please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Unauthorized inquiries on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX ONEMAIN [ NOTICE AND DEMAND FOR DELETION OF AN UNAUTHORIZED INQUIRY ON CONSUMER REPORTTo : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report.I did not give you written permission to access my credit profile on [ Date of the alleged inquiry, Delete this Line and insert the Date of the alleged inquiry, which is XX/XX/year> as provided in the context ] .The reporting of this unauthorized inquiry has harmed my credit, and I demand that you delete this unlawful and unauthorized inquiry from my consumer credit reports with all consumer reporting agencies that you have distributed this information to.I also demand a copy of my consumer report after you have completed this deletion.Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting 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: 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.

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 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 informationisinaccurate.

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 2024-07-09 00:00:00
Product: Credit reporting 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: MO

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 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I do not owe these debt collectors. Please remove these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I do not owe these debt collectors. Please remove these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Per the FCRA ( FAIR CREDIT REPORTING ACT ) 15 usc 1681 as a federally protected consumer. I am now " opting '' out of any and all authorization. I the consumer may have given you written, unwritten, verbal, and non verbal, per 15 usc 6802. These fraudulent agencies also fall under THE FAMILY AND EDUCATIONAL PRIVACY ACT OF 1974! ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Per the FCRA ( FAIR CREDIT REPORTING ACT ) 15 usc 1681 as a federally protected consumer. I am now " opting '' out of any and all authorization. I the consumer may have given you written, unwritten, verbal, and non verbal, per 15 usc 6802. These fraudulent agencies also fall under THE FAMILY AND EDUCATIONAL PRIVACY ACT OF 1974! ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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:
On XX/XX/XXXX I made a deposit of {$2400.00} of a XXXX check and on XX/XX/XXXX the money taken out from my account on XX/XX/XXXX. XXXX XXXX the maker of the XXXX check, says the check was paid On XXXX XXXX and Bank of America says they gave it back to XXXX for the last XXXX months I have been asking proof from bank of america that they gave XXXX the funds back because i showed them that XXXX says the check for {$2400.00} was paid and showed proof of it. My bank is Bank of america and they are saying they cant provide proof that they gave the money back to XXXX. XXXX has provided proof that the check was cashed and Bank of america is saying they dont have the money. Im attaching the bank statement showing bank of america withdrew from my account {$2400.00} dollars from my account and all I want is for Bank of America show proof of why they withdrew the {$2400.00} on XXXX XXXX and where they sent those funds back to. I have had over XXXX calls with Bank of America since XX/XX/XXXX until Today XX/XX/XXXX and nobody can help me to clarify the withdraw they paid on XX/XX/XXXX. I have attached the withdraw in question on my bank statement and the refer to maker that bank of america sent and the print out from XXXX stating that check has been negotiated. Please help.

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 2024-07-09 00:00:00
Product: Credit reporting 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:
I am not liable for this debt with XXXX XXXX, they did not provide me with the original contract as I requested.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My account with ( XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Per the FCRA ( FAIR CREDIT REPORTING ACT ) 15 usc 1681 as a federally protected consumer. I am now " opting '' out of any and all authorization. I the consumer may have given you written, unwritten, verbal, and non verbal, per 15 usc 6802. These fraudulent agencies also fall under THE FAMILY AND EDUCATIONAL PRIVACY ACT OF 1974! ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The order was cancelled and the merchant has not delivered any goods. The contract clearly states that the merchant has to refund deposit in the event of a material breach of the contract by the seller. The merchant can not deliver to me the product I thought I was buying and that is a material breach of the contract. I have provided copy of the contract and I have provided the screenshot confirmation that the merchant is not going to deliver anything to me and the order was cancelled, however, Synchrony Bank still siding with the merchant. What do you call when you were provided no service and given no merchandise, but they took your money? You call them thieves. So XXXX XXXX are thieves just by pure definition of their actions! Synchrony Bank protecting thieves instead of protecting me from those thieves per our credit card agreement.

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