vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023, I contacted Wells Fargo Bank to make a complaint about a scam that I got reeled into when I applied for a job online and it turned out to be a scammer behind it ( mind you, I am XXXX XXXX XXXX, on social security and was looking to find a part-time job to supplement my Social Security XXXXncome ). I asked for their assistance in investigating and refunding the money I lost which was approximately {$22000.00}. Wells Fargo summarily took my information on the XXXX and closed the investigation on the same day. It seems to me that they did not investigate anything but did proceed to tell me that I would not be refunded my money. Although I explained to them that I was a 40 year customer of the bank who had never had a negative balance or a returned check, they still maintained that it did not matter as I was responsible for the scam, therefore unwilling to refund my money ( why would I be responsible? I didn't do anything wrong except to believe the clown I was communicating with via text! ). I informed them that the bank has a fiduciary duty to refund monies to bank customers that have been scammed as well as an ethical one. Didn't make any difference as they refuse to refund my monies. I was transferred to different departments with the same results. ( Mind you none of Wells Fargo employees gave a XXXX  XXXX about my predicament with the exception of 2 that were kind enough to take down my complaint in detail ). I wound up writing 3 letters to Wells Fargo ( sent them via email and had the email address to the CEO blocked so I could not send him a follow up email. I was summarily referred to their other offices for their investigation. To date, I still have not received a dime of my money. I received a letter from XXXX indicating that they apprised me that a large wire of {$4900.00} seemed fraudulent, but they allowed the wire to go through. Had they NOT allowed the wire to go through, it would have arrested this whole situation before it got to the point that it had! They indicated they had a recording wherein I was apprised that the transaction looked fraudulent, but when I asked to hear the recording, was told that it was Wells Fargo property and that I would not be able to do so. Today is XX/XX/XXXX and I'm still wrangling with the bank to do what is the lawful thing to do. To them, Elder Abuse does not pertain to this matter and neither does the law! I have been referred to their executive office on the XXXX XXXX and will call them Monday, the XXXX. In the meantime, I am back to searching for a job praying to XXXX that the next opportunity does not put me in this predicament!

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did not give Trans Union or XXXX consent to share my personal information with any company and place any hard inquiries on my credit report. This is a violation of my right to privacy act. I am asking that all consent forms from each company to be forwarded to me immediately or remove those hard inquiries from 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 explanation
Consumer complaint received 2023-08-26 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: MI

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. 

1, XXXXXXXX XXXX XXXX XXXX 2, XXXX XXXX XXXX XXXX 3, XXXX XXXX XXXX XXXX 4, XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
( Capital One, XX/XX/2023 late payment reported to credit bureaus. ) 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 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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This month, on XX/XX/2023, I disputed inaccurate accounts that were reported on my consumer report. The results came back accurate and were not adequately investigated because the inaccurate information is still on my report and has not changed. 

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, Account # - XXXX XXXX XXXX Account # - XXXX XXXX XXXX  XXXX Account # - XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: MS

Complaint narrative:
This company keeps calling asking for a person named XXXX. The first call I answered today I informed them they have the wrong number. They continue to call about every hour insisting that I have a payment of {$160.00} due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
( XXXX XXXX, XX/XX/XXXX  late payment reported to credit bureaus. ) 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 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 non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC
State: TN

Complaint narrative:
This now my second complaint with Title Max as it relates to there aggressive and threating tactics that the XXXX TN office uses when calling clients and there corporate office does absolutely nothing to resolve the problem. On XX/XX/2023. I received a call from XXXX at the XXXX office demanding in a very aggressive manner that I did not pay here today that there could be repercussion. I advised her that I would be able to make payment on Monday and she continued on with her threating tone and I advised her that I would contacting her corporate to let them know that its wrong to talk threaten people and she told me to call the office because they would tell me the same thing. I called back to get her name and told her that I was going to opening up at ticket with the CFPB and she told me she didn't care because she is certified through the CFPB and she told me to never call her again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: SC

Complaint narrative:
I have sent in a written dispute on requesting to remove wrong personal information that is on my credit report from XXXX, Transunion, XXXX. I provided them XXXX, Transunion, XXXX with the updated information as required. A copy of my Drives License and also a current bill with my name and current address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX SC 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 2023-08-26 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: SC

Complaint narrative:
I have sent in a written dispute on requesting to remove wrong personal information that is on my credit report from XXXX, XXXX, Experian. I provided them XXXX, XXXX, Experian with the updated information as required. A copy of my Drives License and also a current bill with my name and current address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX , SC 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 2023-08-26 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: MI

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. 

1, XXXX XXXX XXXX XXXX 2, XXXX XXXX XXXX XXXX 3, XXXX XXXX XXXX XXXX 4, XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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. 

1, XXXX XXXX XXXX XXXX 2, XXXX XXXX XXXX XXXX 3, XXXX XXXX XXXX XXXX 4, XXXXXXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
A charge off is a Certificate of indebtedness which means it is income it must be removed from my credit report. Mas Financial is in violation of privacy act 1974, I didnt give Mas Financial Consent to report my personal information I also dont remember doing any business with this company, do to Mas Financial violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX and XXXX other fraud has been committed under my name. Please show me where I gave Mas Financial the consent to share my personal information to these institutions.

15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
I bought a XXXX dollar pre paid card. used it at XXXXXXXX XXXX and would only allow me to use XXXX dollars from it. I had to pay cash for the rest of my order. I checked the account the next day and all my money was gone. XXXX dollars just went poff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
This account is too old to be 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 explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NC

Complaint narrative:
Account was closed for no reason

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 2023-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On the XXXX  of this month. XX/XX/2023 I was transferring my social security check from my major checking account to another. It was XXXX dollars. While making the transaction my money was taken from me and sent to a balance assist account at bofa which was closed. I've been waiting to be reimbursed for the money they took out my account. I owed them XXXX they took all of my money and are not sending me the balance of what they took

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase You have not shown you had obtained Permissible Purpose which is a clear violation of the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. The XXXXnquiry was reported on XXXX XXXX. XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase If the creditor couldn't send me anything, then what are you using to verify this inquiry? The Inquiry was reported on XXXX XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately The Inquiry was reported on XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Enclosed are copies of ID and proof of mailing address. 

Thank you for your time, 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 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: AR

Complaint narrative:
They froze my accounts because they suspected fraud. I did not knowingly commit fraud. US Bank did not contact me before they froze my accounts. I could not pay any bills. I could not purchase any medications that I needed. I am a XXXX  and I XXXX  from XXXX XXXX XXXX. I could not pay bills and as a result I was charged late fees because of the bank. I called and asked for my money several times. They froze my accounts ( 3 total business acct, personal checking acct, and a savings account ) on XXXX, XX/XX/2023 and nothing has been done to help me. I explained to the bank representatives that I was on a fixed income ( retired teacher ) and that I needed my money. I just need them to give my money back to me. The US Bank has sent me letters referencing this issue. Someone wired me {$84000.00}. I did not realize at first that it was part of a debt owed to me. I told them to send it back. I wrote a letter asking that the {$84000.00} be returned to me. It was put in my business account. They have not returned this money to me. Since they froze my accounts, I can not access them at all.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These inquiries were not Authorized by me or did I consent for anyone else to pull my credit. These are the inquiries below that I didn't Authorize. 


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 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