vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
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 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 non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid 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: CA

Complaint narrative:
Twice before I missed the payment because the bill arrived in my mailbox the day the payment needed to be sent to allow for online 2-3 day delay. This happened again today XX/XX/2023. The bill is due on XX/XX/2023. The bill is postmarked XX/XX/2023. So they actually put the bill in the mail one week before it was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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

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 2023-05-05 00:00:00
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Tips left at multiple restaurants are not showing up on my Apple Card ( XXXX ). 

I've used the card at 6 or more different restaurants in different cities and provided a tip in each case. The tip does not show up on my bill. The restaurant/waiter is being defrauded likely due to a processing error in the system they use. Other credit cards work fine. 

I've spent hours communicating with Goldman Sachs about this problem with no success. Despite a double escalation, they blame it on the restaurants. Clearly, since it's multiple restaurants this is not the case. They have refused to accept this problem or investigate it. They're innocent, I'm innocent, but the waiter or restaurant is being screwed. 

I'm guessing the problem is with the XXXX processing system, but I really have no idea, it's only a guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: VA

Complaint narrative:
XXXX XXXX Compliance Standards. This alleged debt are reporting fraudulently the XXXX  Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance due to FURNISHING MY PRIVATE INFORMATION WITHOUT XXXX DISCLOSURES you must remove all inaccuracies. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, How was this verified? 
If a debt is sold to a 3rd party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Funds were submitted to affect payment in full, the account was credited and the reversed. An agent from the bank agreed to return the check in return for a replacement check, instead the bank kept the check and began collections again. 

The bank shows no accountability for actions and continues to make false and misleading statement as well as deceptive practices.

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 2023-05-05 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: AZ

Complaint narrative:
file against the XXXX major buraus transunion/ XXXX XXXX if the bankruptcy courts does not report to the XXXX major credit buraus and they do not I'm not sure why this bankruptcy XXXX and reopening of current bankruptcy and a dismissed bankruptcy XXXX XXXX is not reporting. the XXXX major credit buries. lexis nixes have not been reporting to the credit buraus i will include documentation for the bankruptcy court and XXXX  XXXX i feel my rights and security has been breached. 
Rule 9037 of the Federal Rules of Bankruptcy Procedure went into effect on December 1, 2007. Adopted in compliance with section 205 ( c ) ( 3 ) of the E-Government Act of 2002, Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.

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 2023-05-05 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: GA

Complaint narrative:
XXXX XXXX XXXX acct # XXXX was opened up in XXXX and still appearing on my consumer report. It has been 9 years since first appeared. 

The first date of delinquency was also in XXXX. XXXX made 7 years since the first date of delinquency. All the consumer reports are hiding and not showing any activity in XXXX or XXXX because if they did, they would see that the first date of delinquency was XXXX instead of showing the first date of delinquency inaccurately reporting XX/XX/XXXX. 

I want this account removed from Consumer reports as I have requested for the past 2 years

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 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX my computers and phone were hacked and fraud accounts through different payees from things like XXXX XXXX XXXX XXXX  and XXXX took money out of my accounts. When I noticed this I immediately notified my bank not to pay this because I had never used any of these such ways to send money. I have never sent money at anytime or in any way. The bank didn't stop the fraud and put the payments through. I told them I have never used these things and don't even know how to. They could check my past records and see I had not. Since this hack was done on my account I filed several appeals but was denied that I had either done this or had someone do it.. Since this hack was done on my account I filed several appeals but was denied that I had either done this or had someone do it. 

I had to call social security with new account information. I changed all passwords on all my social medIa, I changed my router and modem names and passwords, and I still do not feel safe on my phone or computer because they contain a lot of saved passwords and notes. I truly did not do this or allow it to happen. I am a senior citizen that has to have my monthly Social Security check to survive. 

So to sum this up why would I put myself through all this if I purposely gave money. 
away. The last letter I received from the bank was dated XX/XX/XXXX ( only 5 working days later ) so they made their decision very quickly. This letter states that {$500.00} is my responsibility. This is quite unfair especially since I called at once to the bank asking them not to process the transactions while they were pending. 
Wells Fargo Bank 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 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Today, XXXX XXXX XXXX XXXX XXXX somebody attempted to open an online banking account with Bank of America in my name. I learned of this through XXXX emails from XXXX XXXX XXXX XXXX ) welcoming me to online banking XXXX ) notifying me that my account had been denied and XXXX ) asking me to update my email. Over the phone at approximately XXXX XXXX, a representative of the BoA check fraud department notified me that my ssn had indeed been used in an online banking application.

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 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit collection service placed a past due debt from originally XXXX on my credit report without any information given to me or mailed to me. They did not give me a chance to dispute or even pay this before reporting to the credit bureau. I ask them to please remove this asap and give me a email or to resolve this issue.I do not have a phone my emails is XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
I got behind on my car payments due to my job losing money. I was 30 days for a few months until I eventually was able to get my finances in order. I contacted XXXX to let them know I wanted to get my account up to date. I spoke with a rep named XXXX. We agreed that I would make 3 payments in the month of XXXX ( the payments were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to get my account current and that they would in turn let me skip a payment in XXXX and that my next payment would be in XXXX. I was also informed that they had no evidence that the car had insurance and they were charging my account and that I need to pay for the year they didn't have proof of insurance or provide proof that I did have insurance. I sent documentation that I did have insurance on my car. Mid XXXX, I once again started to receive calls from XXXX. I contacted them to asked what was going on and I was told that my account was past due for XXXX and the amount owed for insurance. I mentioned that I had an agreement in place to skip a payment in XXXX. The rep said that she didn't have that in the system but that they would look into reviewing my account to see if I was eligible for a deferral. This is not the agreement I had with them originally. She offered to have me speak with a XXXX but I said I wanted to speak with the rep that I had originally made the deal with. I followed up by sending additional documentation for proof of insurance which I am continuing to be charged for. Eventually, I decided to contact the XXXX in an attempt to get XXXX to honor the agreement we made back in XXXX. XXXX responded by stating some of the facts above but that I still owed other fees for insurance. I replied that I had sent two different emails to show proof of insurance but that I still wanted them to honor the original agreement. I asked them to bring up the recording of the conversation since they record calls. They have not done so to this date. As of this week, they are reporting my account late, and that I owe them even more than the original amount. They said I had not made a payment in the last 30 days but I have evidence by looking on their website that I have made the payment. Then followed up by reporting to XXXX that I am delinquent and owe them {$11000.00} when their website says my total amount for the loan, which I have for another 2-3 years, is {$10000.00}. I believe they are acting in bad faith and causing me hardship by reporting incorrect information on my credit report which has affected my credit rating. The XXXX account number is 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 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase bank closed my account due to the payee name not matching my name ( account holder ). I went into the bank to verify that the payee authorized the funds to be received by me by them bringing in XXXX forms of ID and proof of business association. They never scanned the IDs or anything to be sent to the fraud department they simply said they couldnt help me. After I was told that, I submitted a complaint requesting a release of my funds. They then replied saying that they dont have the necessary information to release them as I need to verify the payee by phone number or walk into a branch with their XXXX forms of ID and that I also need to verify maker issuance which if Im wrong correct me only applies to checks ( these are all ACH deposits ). I then let the fraud department know where the ACH deposits came from ( shopify ) and they did their research and couldnt find a phone number that can be verified because XXXX has moved all of there contact methods to digital meaning only live support chat and email. So there was no way to call and verify makers issuance as XXXX doesnt have a phone number to call. So the fraud department said there is no way to verify my funds and that my money will be sent to the state after a certain time frame. Which is ludicrous as this is legal money coming from a legit source just the payee names were mismatched. There has to be another way to verify my funds as that is not fair to victims who have legit transactions but just because the Maker doesnt have a phone number the transactions cant get verified. This needs to be handled as that is my hard earned money that I have no access to simply because of a payee mismatch and because the maker has no phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kept recieving calls from this collector I told them over the phone and over mail to not call or try to communicate with me in any way they continued to attempt to I need for yall to verify and validate this collection Innacurate account please verify with accuracy XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XX/XX/2022

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 2023-05-05 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 XXXX  Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX, has violated my rights. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy, Treatment of inaccurate or unverifiable information 15 U.S. Code 1681i section 5 Treatment of inaccurate or unverifiable information ( A ) In general If, 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

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 2023-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unidentified accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a complaint regarding an other account I had with the same lender report XXXX XXXXXXXX late payment when I was never 30 days late They then removed the late and went into my other account I have with them that has payments auto drafted and added XXXX late payments to my other account Since the payment is auto drafted is draws directly out of my account on the exact date its due XXXX payments were reversed but they went through on the second try. There was never a 30 days late payment on my accounts prior to me making the complaint on my first 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 non-monetary relief
Consumer complaint received 2023-05-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-05-05 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: TX

Complaint narrative:
I have sent 12 letters of formal complaints via certified mail to XXXX and TransUnion regarding the reporting of inquiries on my credit report that are not of factual record. I have discovered that the only permissible purposes for pulling someones credit are : 1 ) A firm offer of personal credit 2 ) Insurance 3 ) Employment 4 ) Court Order

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 2023-05-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 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