vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : 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 explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed bankruptcy and all debt was discharged and accounts should have been closed and removed from credit report. Items still show on credit report as open and delinquent. The account was actually closed XXXX of 2019 per XXXX XXXX and both Equifax and XXXX XXXX still have them listed on my credit report. I called XXXX XXXX XXXX XXXX to confirm account was closed and also tried to file a dispute with the credit bureau and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX AUTO Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 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 non-monetary relief
Consumer complaint received 2022-12-20 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX AUTO Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This last two weeks with Bank of America has been the worse. They dont value nor protect their customers identity or information. My wallet was stolen on XX/XX/2022, and BOA was made aware of the situation in person and over the phone on XX/XX/2022. I spoke with a representative in the fraud department who advised me that they would make sure that my account had added protection due to the fraud. Well fast forward a week later I received 4 emails one stating that my account was pending, account approved, verify your email, and welcome to online mobile banking. Well because I have not opened up any other account with this bank I immediately called to expressed my concern that I had not opened up an account. They transferred me to the fraud department who decided to search further based off of my social security number and seen that the account was opened with an address in another state. The issue here is how did their system allow someone to open a bank account in my name using my social. Another issue how is it I requested to dispute international fees that Im being charged incorrectly and being advised that I have to follow up with the third party. Thats not my job and no one has the right to tell me that I cant file a claim. Not to mention within all of this I go to one of their atms and my money gets stuff and Im waiting at the XXXX  for over an hour for someone to resolve the issue. This bank is horrible and I can see why they have so many lawsuits. I want all of those international fees refunded immediately, a call apologizing for allowing some to open an account in my name, and acknowledgement that they dropped the ball.

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 2022-12-20 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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : 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 2022-12-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX  - CARD SERVICE XXXX XXXX XXXX C
BARCLAYS BANK DELAWA

FCRA Violation: hard enquiries not mine XXXX  CREDIT

FCRA Violation: addresses and name not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX TX XXXX  
FCRA Violation: auto loan never late
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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:
My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has charged me with an overdraft fee on multiple occasions where there was funds in my account at the time of the charge. Instead of declining the charge would go through and then I would later receive an overdraft fee for having a negative balance. This has happened on more than one occasion. It happens especially often with XXXX services

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 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections
State: TX

Complaint narrative:
Originally post on here about XXXX XXXX about a bill received. I got a letter from XXXX XXXX and agreed to work with Bonneville collection after receiving a notice that my account was overlooked in error. I called Bonneville to make payments on auto-pay until debt was paid off. I now have a collection showing on my credit and payment as well as card is on file with Bonneville. Want this removed and someone from their department to reach out to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
I have an auto loan with Wells Fargo that has no prepayment penalty. Recently I have not been allowed to make payments on my loan and when contacting them I was told it was because I'm more than 3 months ahead on payments and was not allowed to be more than 3 months ahead. I could make a payment when my next due payment was less than 3 months. Per my load terms I can pay off my loan whenever I want, yet they will not even allow a principle only payment through online access. They will accept the payment only directly at a branch office, none of which are local to me. I don't see how any bank can prevent you from making payments and force you to allow your load to accumulate interest charges.

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 2022-12-20 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: GA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.

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 2022-12-20 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: M&T BANK CORPORATION
State: VT

Complaint narrative:
Hello, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Our former bank, People 's United, was acquired by M & T Bank and the merger was completed this fall. We moved most of our banking accounts to another institution but left about 17 credit cards with M & T. 

We have attempted to made timely payments on our accounts each month ( XXXX through XXXX ) and there have been multiple issues every month. Including : *Checks cashed but not applied for over 15 days. 
*Checks said to be missing ( so we paid another way ) then found and later incorrectly applied a month later. 
*Online payments that said " accepted '' later not posted ( resulting in late fees ) with no notification of the decline or the payment. 
*We have attempted to may payment at a branch ( told impossible ) It has left us with literally no way to make a timely or accurate payment and hundreds of dollars in late fees and charges. The bank is working with us to reverse these but it has taken days of our very limited resources to work out. I'm told we are not the only customer experiencing this. The processor is a company called XXXX run by XXXX. I don't know if it is the fault of a rough merger integration, something in XXXX or what but I do know that as a consumer, I'm trapped in unavoidable fees and a circle of accounting problems. 

We are moving our cards to another institution but I thought it important for the CFPB to check in with M & T and ask how it is going. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/22 I requested copies of bill payments to my XXXX  that they claim were not received. Investigation numbers XXXX and XXXX. Can not get a straight answer for several weeks. Went into 2 branches, several chats and calls all were disconnected. XX/XX/22 received letter from Citibank that payments were returned to them and money would be in my account in 1-3 days. As of today XX/XX/22 that still has not happened and I just can not get anybody to give me any answers or refund my money. Very frustrating!! 
Please help! Thanks

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 2022-12-20 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: NE

Complaint narrative:
I attempted to use my prepaid card for a purchase at XXXX on XX/XX/22. I had to split between different cards as the purchase amount was greater than the amount on the prepaid card. The purchase was voided after my card was charged. The amount charged to the prepaid card should have been returned to it, but the refund did not appear in my balance. The store receipt shows the refund went to the card. The card transaction history shows the debit but does not show a refund. 
I submitted a dispute with the gift card issuer ( incomm ) and they denied my claim, giving me a non-sensical answer that didn't address the situation I described in my claim form. 
My gift card was purchased from XXXX on XX/XX/22. I disputed the missing refund with Incomm on XX/XX/22. I'm including the purchase receipt of the gift card, photos of the front and back of the gift card, transaction history of the gift card ( showing purchase but not refund, ) my claim form that I completed for Incomm and the store receipt showing that the card was refunded. Also included is the response Incomm sent me on XX/XX/22. This reports they found that the card was present for the transaction -- which was not the dispute. The dispute was that the refund did not appear on the card balance, as clearly documented in the dispute form I completed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/2022, I sent a letter to the US Bankruptcy Court of Arizona asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 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 2022-12-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: PA

Complaint narrative:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 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: PA

Complaint narrative:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 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:
My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.

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 2022-12-20 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: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 SECTION 602 states, I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 states that a consumer reporting agency can not furnish an account without my written instructions. UNDER 15USCS 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo managed the XXXX XXXX  trust for many years. XXXX  income was from family land sales. XXXX was robbed and depleted by the bank. The money went into the bank from the sales, but was never available And depleted by management fees Or other illegal activities.

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