vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello I have tried to fix the issue with XXXX and as well as all the credit Bureaus.. and No one has helped me with this issue.. 
The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and the last date active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under. 

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

15 U.S.C 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 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. 

I have evidence of 11 different violations from Experian, XXXX, and XXXX. That I will provide in docs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a conventional loan with Wells Fargo back in XXXX. I tried refinancing the load with them in XXXX. The refinance was denied and my home was short-saled. I was denied by Wells Fargo when I should have been able to refinance and keep my home. Wells Fargo preyed upon me, fraudulently denied my refi and I lost my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: FL

Complaint narrative:
I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would like to resolve this before I consult with an attorney to pursue legal action. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX which the Original Creditor isXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Duplicate Reporting ) to TransUnion/XXXX  as XXXX Collection/Charge off. 

The same account with XXXX XXXX XXXX is reporting to XXXX Collection/Charge off and XXXX- Late 120 Days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Im extremely concerned because its the same time happening in less than 3 months that Bank of America hold my funds with the excuse the policy when its the same check company for more than 3 years this its concerned me like a costumer why Bank of America its holding costumer funds for so long when we trust to deposit our money in their bank, I demand Bank of America release my fund immediately oh I escalate this situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: FL

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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: EQUIFAX, INC.
State: FL

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Account says restricted for safety purposes. Contacted customer service limited an vague response that will resolve in a couple of days. No resolution no response no contact outside of my text messages. I prepay account spend over {$500000.00} per year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I had been paying my credit card as agreed with 100 % on time payments. I just found out my card was charged off. When I called they said that no other purchases had been made but they had charged me a fee and then subsequently late fees and interest. No statement was sent to my address on file at any time. I did not become aware that any payment was owed until a credit monitoring service notified me that my score was destroyed. CapitalOne charged off a completely good standing and inactive account without any purchases having been made. The amount charged off was 100 % fees and interest with no principal. No statement was ever sent to me. No collection call was ever made to me. I had not used the card and had absolutely no way to know this was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
They have called me 5 times today alone. I have already told them not to call me anymore today. Its a Saturday of a holiday weekend. They have continued to called

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.please see attached account number as follows # XXXX 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 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX Bank of America withdrawn money ( {$4800.00} ) from my checking account and paid a credit card without my authorization and refused to refund it back after admitting their mistake. 
my checking balance end up negative during XXXX XXXX weekend and I had no money to take of my family during this holiday. 

I went to B of A branch on XXXX XXXX but they couldn't help. 

they offered to mail a check which will take 5-7 business days but I refused because it's my money and I need it right away for the holiday.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I XXXX : XXXX am submitting this complaint by my hand, there are no third parties involved. 
I XXXX XXXX, living soul, grantee absolute, beneficial owner and original creditor to open ended credit plans was denied my right of credit by XXXX XXXX XXXX XXXX XXXX XXXX in whole or in part of information obtained by reporting agency and third-party interloper EARLY WARNING SERVICES LLC. I was notified of this transgression of my rights on XX/XX/2023, when I created an application to open an account online, but was notified that I already had one, in which I knew I did not. I then called a fiduciary agent to inquire about the matter, a fiduciary agent informed me that I had an XXXX account and that I was clear to open a new account. I then traveled to the nearest CHASE to open an account in which I was denied. I then called a second time to inquire why I was denied, this time I was given a number to give to the fiduciary agent at the next bank I went to so that they could assure the next fiduciary agent that I was ok to open an account, however when I applied to no avail, I was denied again for the second time. The fiduciary agent was nice enough to let me know that it was due to the nature of FRAUD in relation to a company named EARLY WARNING SERVICES LLC. EARLY WARNING SERVICES has traumatized and harmed me exponentially with the adverse actions taken against me. The denial of my rights has now incurred civil damages pursuant to 15 USC 1640 ( a ) ( 3 ) ( A ) ( iii ) et al and are up to ( {$5000.00} ) or more in restitution. EARLY WARNING SERVICES LLC is now liable to pay me for the damages. 
1 Aggravated Identity Theft 2 Violation of The Privacy Act 3 Defamation 4 United Nations Declaration on The Rights of Indigenous Peoples 5 Universal Declaration of Human Rights 6 Violation of the Unfair, Deceptive, Abusive Acts or Practices 7 Violation of The Fair Credit Reporting Agency 8 Violation of the Equal Credit Opportunity Act _____________________________________________________________________ 1. Application ; see CFR Title 121002.2 ( f ). 
2. Account ; see CFR Title 121002.2 ( a ). 
3. Adverse action ; see CFR Title 121002.2 ( c ) ( 1 ) ( i ). 
4. Transgression ; ( 1 ) To violate a command or law : SIN ( 2 ) To go beyond a boundary or limit. XXXX  5. Et al ; and others or and other people. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.please see attached account number as follows # XXXX 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 2023-09-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.please see attached account number as follows # XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi was supposed to give me a {$59.00} and a few cents in a dispute I won. On my call with them in the middle of XXXX, they said they would give me the credit in XXXX days. I called and the person said the supervisor forgot to approve the credit. Now 20 days later they want me to wait another XXXX business days for the credit.

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 2023-09-03 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990 Credit Bureau Name : transunion Transunion : XXXX XXXX XXXX # XXXX, XXXX XXXX, nv XXXX To whom it may concern, I am writing you because you are reporting increase on my credit port, that I do not recall please see items list XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX Please forward me any documentation, providing proof I apply for credit with this creditors. If you can not provide such documentation, then please remove inquiries from my credit file immediately 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
Consumer complaint received 2023-09-02 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: Army and Air Force Exchange Service
State: CA

Complaint narrative:
XXXX, XXXX, XX/XX/2023 In accordance with the fair credit reporting act 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 instruction.

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 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The bank usually gets my ssdi payment on the XXXX of every month but the last few months they have told me that the money was in the account 5 days earlier on instead of the XXXX of the new month they said it was available 5 days earlier on the last few days of the month instead of having to wait another 5 days for the deposit to be made. So in example I was told by the banking website from Wells Fargo that on XX/XX/2023 that the money was available then on the XXXX they said that I was in bad standing with no explanation and alot of nsf fees look at the bank statements that I uploaded you will see what I am talking about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I paid XXXX XXXX Solutions the amount of {$240.00} ; a settlement for a charged-off XXXX account XXXX XXXX of XXXX. The XXXX account is still reflecting a balance on my credit reports which is a violation of the FCRA. I disputed the account with Experian who only updated the balance to reflect the payment instead of removing the " outstanding balance. '' Per the FCRA the payment history can still be reported but a balance can not since I no longer owe XXXX ; I then owed Radius Global Solutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX I had became an authorized user on a capital one account my score was XXXX XXXX in XX/XX/XXXX my score drop XXXX points and it say that the score drop due to me being removed from a capital one account for 5 months I been trying to get this issue resolved my other XXXX credit reports are reporting fine from capital one and credit one XXXX is not showing anything and is saying I was removed from capital one which is incorrect from XX/XX/XXXX to XX/XX/XXXX im still an active capital one member for my own account as well as the account that XXXX listed on as an account XXXX with full access

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: Experian Information Solutions Inc.
State: FL

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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I went in branch to open 8 small business checking in hopes to enroll in their XXXX. They failed not only in enrolling my accounts but froze them a day later and have yet to unrestrict the accounts pending an unnecessary investigation by the fraud department in almost a weeks time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: CA

Complaint narrative:
I filed a complaint against this earlier on XX/XX/2023, which I indicated that I wasn't able to pay off the balance of {$110.00} I owe for this loan as the company restricted access to my online platform with them. They responded to the previous complaint that I can make payment over the phone by debit card or check or using XXXX XXXX or XXXX. However, they still didn't provide any phone number or any account number to use with XXXX XXXX or XXXX. So, how can I send this payment!!!! 
Their website doesn't have any contact information, no phone numbers or email address!!! 
This is really frustrating, they mark my account as charged off or collection to the credit bureaus while not giving me a solution on how to pay off this amount!!!! 
I am asking either to delete the account from my credit reports or send me their information to send payment.

Company response to consumer: Closed with explanation