vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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: NY

Complaint narrative:
I am writing to formally express my concern and frustration regarding the handling of recent charges to my account, which resulted in overdraft fees and a significant negative balance. Despite having insufficient funds, my account was allowed to go negative due to charges from XXXX that were not rejected. Instead, these charges were processed against my debit card, pushing my account into overdraft and incurring substantial fees. 

I am currently experiencing financial hardship, making it extremely challenging to bring my account back to a positive balance. I expected XXXX XXXX systems to safeguard my account from going into the negative by rejecting charges when there are insufficient funds available. Allowing these transactions to go through not only led to fees but also put me in a difficult financial position that could have been avoided. 

I kindly request that Wells Fargo reverse these overdraft charges and review its practices to ensure that similar situations are prevented in the future. Your assistance in resolving this matter is crucial as I work to manage my financial obligations. 

Thank you for your attention to this matter. I look forward to a prompt response.

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 2024-10-30 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: TX

Complaint narrative:
I have received inquiries on my credit report that are fraudulent and want them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: TX

Complaint narrative:
I have received inquiries on my credit report that are fraudulent and want them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have been experiencing a financial hardship crisis. I overspent the credit limit, and have been trying to get assistance to help me get the debt paid. I called Capital One and asked for help and was told there were no plans available for me. The late fees and interests are continually going up and I do not see any light to rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I requested proof of the notice 21 days before payment was due and what they sent was a letter that only verified the account. No proof was sent proving the 21 day notice.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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 2024-10-30 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truest claims the US treasury check I received from FEMA to be fraud even after I provided all documents to support it. They are now refusing to give the check back or disperse the funds even though the check has been cleared.

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 2024-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Over the span of a week, I was sent payments from a user with last name, XXXX, from XX/XX/XXXX to XX/XX/XXXX, four in total, three for {$1000.00} and one for {$500.00} for a total of {$3500.00}. These were completely normal, legitimate transactions, with somebody I had previously sent and received money from on Venmo. However, a couple days later, they disputed the transactions, pulling my account to a - {$3500.00} balance and suspending my account. But just a couple days later, the investigation had already been completed and I received four emails from Venmo/Paypal stating that the investigation is complete and Our investigation team has determined your dispute has been resolved in your favor. No further action is required and we consider this claim closed. If there was a hold on this transaction, it has been removed. In those exact words, they told me that the claims are in my favor and that my account would be returned to {$0.00} instead of negative and the hold removed from my account. 

However, after receiving those emails on XX/XX/XXXX stating that its been resolved in my favor and it is officially closed, just a few days later on XX/XX/XXXX, I received more emails stating that because the user filed a dispute with their bank ( since Venmo/Paypal ruled in my favor and against them ), that Venmo is staking the blame on me and charging me for it, even though their own investigation team even said that it should be resolved in my favor and that there was no error or unauthorized transaction. Now, they went back on their own word and claim that my account would be returned to its normal status, and my account is now back to being - {$3500.00}, unusable until I pay this amount which I should not owe as they ruled the resolution in my favor and even said it was closed, and my account is now suspended with this negative amount until I pay it. I have already reached out to the user but no reply from them, filed a police report, and contacted Venmo about them going back on their own investigation ruling. However, their response was completely unsatisfactory and just said that users shouldnt participate in activity that might result in disputes or claims and similar sentiments, but that makes no sense as I have dealt with this person multiple times with no issue, I had no idea these transactions would result in disputes and claims, its not my fault. And even with the claims being ruled in my favor, Venmo still went back on their word and changed the ruling, solely because the other user filed a claim with their bank instead, yet the customer support agent did not address this at all in their email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THIS ACCOUNT IS A JOINT FRAUDULENT ACCOUNT. SOMEONE ELSE 'S INFORMATION HAS BEEN BREACHED WITH MINE WITH SIMILAR NAMES AND SIMILAR SOCIAL SECURITY NUMBER. THIS ACCOUNT WAS OPENED WITH A SOCIAL SECURITY NUMBER OF XXXX PER MY XXXX CREDIT REPORT I HAVE SUPPLIED EVIDENCE AND DOCUMENTS TO XXXX XXXXXXXX XXXX THEY ARE AWARE OF THE SITUATION. I AM NOT RESPONSIBLE FOR THIS ACCOUNT AND DEBT. 

XXXX XXXX XXXX WAS OPENED ON XX/XX/year> AND THE ACCOUNT STATUS IS CHARGED OFF. 1099 C WAS NOT SENT EVEN AFTER SEVERAL ATTEMPT TO REQUEST. 

XXXX XXXX XXXXXXXX WAS OPENED ON XX/XX/year> AND THE ACCOUNT STATUS IS CHARGED OFF. 1099 C WAS NOT SENT EVEN AFTER SEVERAL ATTEMPT TO REQUEST. 

BOTH ACCOUNTS ARE OLD, NOT VALID, NOT ACCURATE, I ASKED ALL THREE CREDIT BUREAUS TO VALIDATE AND REMOVE, ALL THREE MAJOR BUREAUS REFUSE TO CORRECT AND REMOVE.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THIS ACCOUNT IS A JOINT FRAUDULENT ACCOUNT. SOMEONE ELSE 'S INFORMATION HAS BEEN BREACHED WITH MINE WITH SIMILAR NAMES AND SIMILAR SOCIAL SECURITY NUMBER. THIS ACCOUNT WAS OPENED WITH A SOCIAL SECURITY NUMBER OF XXXX PER MY XXXX CREDIT REPORT I HAVE SUPPLIED EVIDENCE AND DOCUMENTS TO XXXX XXXXXXXX XXXX THEY ARE AWARE OF THE SITUATION. I AM NOT RESPONSIBLE FOR THIS ACCOUNT AND DEBT. 

XXXX XXXX XXXX WAS OPENED ON XX/XX/year> AND THE ACCOUNT STATUS IS CHARGED OFF. XXXX C WAS NOT SENT EVEN AFTER SEVERAL ATTEMPT TO REQUEST. 

XXXX XXXX  XXXX WAS OPENED ON XX/XX/year> AND THE ACCOUNT STATUS IS CHARGED OFF. 1099 C WAS NOT SENT EVEN AFTER SEVERAL ATTEMPT TO REQUEST.

BOTH ACCOUNTS ARE OLD, NOT VALID, NOT ACCURATE, I ASKED ALL THREE CREDIT BUREAUS TO VALIDATE AND REMOVE, ALL THREE MAJOR BUREAUS REFUSE TO CORRECT AND REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been having problems with chase bank for some time now .During the entire process I have called and spoke to many different bank managers trying to resolve the issue and then the.bank closed my account which caused me not to be able to log in and see anything online.I specifically called today again and spoke to an agent of the bank XXXX at approximately XXXX XXXX  .I simply asked if I could finally come in the chase branch I use to pay off the balance on my account.I was placed on a brief hold and then she responded with yes .I said this will prevent anything going to collections and again I was told yes just go to the branch and make payment. I left work early and went to have funds transferred from my fathers savings account to pay off my balance.Now the bank that knows me well went to transfer the funds and I was not able to do so .This is really ridiculous besides the fact that this issue was not caused by me .I made every attempt to make it right as soon as I had the opportunity.I was lied to on the phone because apparently they have already sent it to collections..I have had enough of being bullied by this bank as the email response to my last complaint had just been answered last night.This is completely unnecessary and Ive been through enough of loses .This is deliberate, unprofessional and unacceptable as I am willing to pay after losing everything and then some that this bank never flagged.To now block me from paying it at once which was the only option they gave me .This will now ruin my credit which has been excellent my entire life .Im willing and got someone to loan me the money now they pull this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: 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: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX i used my cash app card to purchase content from an XXXX  creator. A month went by and the creator did not provide the content so I asked cash app to get my refund and they refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
on XX/XX/year> my rewards from my citibank double cash card were returned back to my online account my old checking account is still in their old system and there is no way for me to update it online ive added my new checking account info in my payment account for both cards Citi bank refuses to have a supervisor call me regarding this issue the representative I spoke to tonight hung up on me im tired of the rude XXXX  customer service I believe this issue could have been resolved without filing a cfpb complaint.

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 2024-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
Took out a personal loan for the amount of {$1500.00} through Omni XXXX XXXX while serving on XXXX XXXX between XXXX. I was informed of a lawsuit with this lender for over charging interests to Soldiers and wanted to see about compensation. No prior actions or requests have been made to the Company.

Company response to consumer: Closed with explanation