vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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: TX

Complaint narrative:
My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. I have been disputing with both Experian & XXXX for nearly a year, and both companies are violating my Fair Credit Reporting Act Consumer Rights on multiple accounts. I have also listed multiple sections of 15 USC 1681 in which the directly violate. Two of the most recent dates that disputes were opened are XX/XX/2023. XXXXXX/XX/2023 approximately. I have mailed in dispute letters for nearly a year now, as well as called and personally spoken with representatives from both Experian and XXXX, and still have not had favorable results. I have explained to them they are violating my consumer rights, but choose to ignore my grievances. 

They do/did not have Permissible Purpose to report these accounts, they illegally reporting TRANSACTIONS & EXPERIENCES on my consumer report, they are failing to reporting maximum possible accuracy due to the fact these accounts are tied to multiple address I was never associated with. 

XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX  Account # XXXX*** 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. 
I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

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

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have been very patient with them and trying to dispute with them in a respectful manner, but I have gotten nowhere with them. I know believe it's in my best interest the CFPB steps in and helps me resolve this matter. 

I have attached my most recent dispute letter.

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 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
to whom it concern there was a {$65.00} transaction on cash app someone had cash app someone and it came into my account the individual ask for the money to be refunded after they realize that they had cash app the wrong person I reported it to cash app and they told me what to do and that did not work so I reach back out to them and the rep was very unprofessional and very rude and then hung up the phone on me. I want this person to be refunded back there money so so they can send it to the person it was intended for..I pray and hope that you can help me solve this issue I've been there before and I know what it feels like to lose your money.. thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I checked my bank account and realized that there were several unauthorized Wire Transfers ( {$4200.00} and a couple others ) and one XXXX transaction ( {$990.00} ). I called my bank ( Wells Fargo ) immediately. They informed me that these transactions were initiated from my mother 's account who has joint ownership of my account because I had opened this account when I was a minor. They said that they would start a transaction and that the Wire Transfers had not been fully processed, and because I had called them in time, all the wire transfers would not go through. They said the XXXX transaction had gone through but they would work to recover it. All of this call is recorded somewhere at Wells Fargo ( but not on my end ). I was skeptical so I asked them to confirm at the end of the call that the XXXX Transfers would not go through at all and they confirmed this. 

They helped me reset the username, password and account number for both my and my mother 's account. 

On my new account number, the XXXX transaction and one Wire Transfer ( {$4200.00} ) popped back up as " Pending ''. I called again on XX/XX/XXXX saying that the Wire Transfer should have been stopped. They assured me that it was normal and the investigation was ongoing. 

The Wire Transfer then went through despite being promised that it would not. XX/XX/XXXX they have completed their investigation. I called for the 4th time. Wells Fargo told me they were not able to recover the funds from the bank it went to because the funds are no longer there. They have not investigated any further, and have not looked into what banks the funds went to after that last transaction. They said due to their terms and conditions, they would not be taking responsibility for any of the lost funds.

Wells Fargo was deceptive in telling me that the Wire Transfer wouldn't go through and was negligent and did not reach out proactively to freeze the bank account that the money was being transferred to and also did not follow up down the chain when the money was transferred out of that account. 

XX/XX/XXXX I called XXXX XXXX  ( the recipient ) as well to see if they would help at all. They said they would start an investigation and call within 24 hours. 

I appreciate all and any help that you can give, thank you!

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 2023-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received offer XXXX 2022 for a {$450.00} bonus for opening a new savings account after keeping $ XXXX in for 3 months. I did this, but it has now been over six months with no bonus deposited. I've called and chatted with customer service four times now, and they could provide me no information other than opening a " case. '' At first they told me it would be 5 days, then another week, then another week, etc. It is still " pending '' over a month later. There is no reason for me to believe this will ever get resolved despite their written offer in 2022 with the account.

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 2023-02-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I called BOFA ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX, XXXX, representative XXXX answered the call and hung up on me. According to recent XXXX, Bank of America reported a visa account as ( Inactive ), all of the years, from XXXX through XXXX in " good standing '', account was closed by me in XXXX of XXXX. They indicate the account was in dispute, under investigation, what is not reported is the investigation was concluded to my satisfaction, and I won the dispute, and the closing account balance was XXXX where merchant refunded the money to my Visa. 
The Bank of America either should report the dispute was resolved to card holder 's satisfaction, or remove it because the seller refunded my account, no final balance there remained. & the fact that I closed the account myself. 
If they insist on the reference to dispute to remain on my CBR, they have to warrant their position by the dollar amount that was charged off against my Visa. However there was a merchant refund, and zero balance. So allegation of charge off or loss to Bank of America is false and fabricated. Or inclusion of " account under investigation '', is done by BOFA maliciously, I was the innocent party in the transaction. 
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 2023-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC
State: FL

Complaint narrative:
Prime lending mortgage. We have made numerous attempts to get our HAF payments applied to our account. HAF states their sent payment XXXX on XX/XX/23 XXXX for XXXX XX/XX/23 XXXX for XXXX We have called daily and been asking for a case status or our payments to be applied. We have had no luck finding out why our payments havent been applied. We are concerned as XXXX XXXX we will owe another payment. Everytime we call we get different answers and have yet to know or find out where are these paymentsXXXX XXXX XXXX from HAF has sent mortgage company check numbers also and has had contact with them she has stayed. Can someone please help us as we are being told our mortgage company is failing To post our payments that HAF states they did recieve. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I contacted Navient a little while ago asking them to not contact any third party through the FDCPA rules about a debt a may or may not owe. They responded and said they do not do that. Today I was informed by a family member that they were contacted by Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had two fraudulent purchases on my account in the last 30 days and I have had a fraudulent payment made to my account. This company is ridiculous and people should not be able to get into my account to do this. I have already changed my password several times too. Have asked repeatedly to speak to a supervisor and I have not been given any response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
My XXXX XXXX XXXX personal checking and savings account were closed XX/XX/XXXX. I was informed that there was a balance due on my account of {$79.00} and upon remitting payment, I would be able to open another account. I completed payment on XX/XX/XXXX. Once again, at this time, I was told that I would be able to go into a branch and open an account. when I received my consumer report from chex systems to verify this had been removed, I see there is a statement that says Suspected Fraud Activity. I had previously disputed this information in XXXX and forgot about it. I never recieved a copy of the dispute or the results as required by law. When I called XXXX XXXX XXXX to get this situated, I receive 3 different stories from the Recovery Department, Risk Department, & Fraud Department. No suspicious activity has ever been brought to my attention. How is it that the company can report, " suspected fraud activity. '' I still have open and active accounts with XXXX XXXX XXXX. If there was suspected fraud activity, why would my accounts stay open. I need this removed from my consumer file.

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 2023-02-23 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: NV

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX I looked at my credit report because I have huge goals. I am looking to Buy my first house. I wanted to make sure everything was reporting 1 00 % correct AND everything was accurate. Can you reinvestigate the completeness accuracy of the list of accounts below. 

Account name : XXXX XXXX account Number : XXXX investigate the completeness accuracy of every piece of information If its not accurate, please remove it from my credit report. 



Account name : XXXX XXXX XXXX Account Number : XXXX investigate the completeness one! accuracy of every piece of information If its not accurate, please remove it from my credit report. 


Sincerely, 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 2023-02-23 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: NV

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Date:02/23/23 I looked at my credit report because I have huge goals. I am looking to Buy my first house. I wanted to make sure everything was reporting 1 00 % correct AND everything was accurate. Can you reinvestigate the completeness accuracy of the list of accounts below. 

Account name : XXXX XXXX account Number : XXXX investigate the completeness accuracy of every piece of information If its not accurate, please remove it from my credit report. 



Account name : XXXX XXXX XXXX Account XXXX : XXXX investigate the completeness one! accuracy of every piece of information If its not accurate, please remove it from my credit report. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act XXXXXXXX  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 an 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 2023-02-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
My Loan was assumed but 21st Mortgage as of XXXX. I was contacted XXXX XXXX regarding the XXXX payment. At that time I advised that I hadnt been working my part time job and had just completed XXXX school. I expressed that I would be working a few days in XXXX and would try to make a payment on the XXXX. I was unable to due to the amount that I made wasnt significant to complete a full payment. I was advised to Pawn or sell personal items but that I needed to pay! I expressed that I will start working full time on XXXX XXXX as a XXXX XXXX and wouldnt be paid until XXXX XXXX. Although I had applied for partial unemployment I wasnt sure if Id receive it. I was told that I didnt care about making my payment, that I was being unreasonable and even lazy as is pertains to getting the money. I tried to speak with several managers in their collections department and was told that in their department customer service isnt offered and Ill receive customer service when I pay. Ive never been talked to in such a matter by a debt collector. I receive phone calls and emails from them daily regardless of me consistently explaining my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: 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. 
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 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 2023-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Dividend Finance Inc.
State: GA

Complaint narrative:
XXXX for Solar Panels, Dividend was and is a part of XXXX XXXX XXXX XXXX XXXX They misled their customers by performing fraudulent loans on Solar Contracts with consumers with malice intentions on consumers in GEORGIA! The solar panels never worked for us, we got them installed in 2021! Please research the company before you do business with them! XXXX XXXX XXXX XXXX XXXX have victims, XXXX these companies, you all can verify what I am saying is true! The Solar companies filed bankruptcy and we dont have no one to fix the equipment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I went into XXXX  to make a purchase and I try to resolve with visa vanilla gift card. When I made the purchase I wanted to have a refund of {$75.00}. They are refusing to refund me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me fornegligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation