vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: Applied Data Finance, LLC
State: MS

Complaint narrative:
An affidavit form was submitted as a response to the initial letter response from them, and has been completed and returned as of XX/XX/2024. I have received no response. 

This account is still showing on my credit report, and there has been no validation that the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a pressing issue regarding the failure of the credit bureaus, particularly XXXX, to promptly investigate and update me on the status of my dispute letters, which were submitted more than 30 days ago. The dispute letters were intended to address inaccuracies on my credit report, and despite the lapse of the legally mandated investigation period, there has been no resolution or communication from the credit reporting agencies. 

On XX/XX/XXXX, I submitted dispute letters to XXXX concerning certain accounts on my credit report that I believe contain inaccuracies. To my dismay, despite the 30-day window stipulated by the Fair Credit Reporting Act ( FCRA ), I have not received any updates on the status of the disputed accounts from XXXX or the other credit bureaus involved in the dispute process. 

To compound the issue, I engaged in a conversation with a representative from XXXX on XX/XX/XXXX and XX/XX/XXXX, during which they confirmed the receipt of my dispute letters. Shockingly, the representative disclosed that the disputes had not been entered into the system for investigation. I have meticulously recorded this conversation and can provide the recording as evidence. 

As per my understanding of the FCRA, if accounts are not investigated within 30 days of a dispute being entered, they must be promptly removed from the credit report. It is deeply concerning that this mandatory investigation period has been exceeded, and the credit reporting agencies have not adhered to their responsibilities under the FCRA. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that my rights as a consumer are protected. I seek your assistance in compelling the credit reporting agencies, especially XXXX, to promptly investigate the disputed accounts and provide me with the necessary updates on the resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After reviewing my credit report again, I can still see the inaccurate late payment account that need reporting and correction through your company. The Bureau violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )

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 2024-02-13 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: FL

Complaint narrative:
I had a problem with vendor taking charges from card using debit account number, I already submitted rejection and Claim ID, I followed on the merchandizer named XXXX XXXX on XX/XX/2023 charged the card for XXXX XXXX and on XXXX XXXX XXXX XXXX XXXX  XXXX both transactions was rejected and filed a claim ID XXXX and another XXXX respectively, they both got unanswered and still otusnading taken payment from our company account. 

On other claim on XXXX XXXX, a transaction of XXXX XXXX was taken by vendor named XXXX XXXX unauthorized and rejected online but couldn't get Claim ID, we also reported by phone and no feedback yet.

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 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/23 Navy federal withdrew {$100.00} 3 times from my checking account for an account that I was XXXX old. Md law 5102c states that debts older then XXXX XXXX years old are no longer able to be collected. They never spoke with me they just withdrew without my consent causing me to overdraft on XXXX payments. When I called to explain the law the gentleman said that law did not matter they can go in at anytime to pull money when they want to regardless of how long ago the debt was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I purchased a XXXX dishwasher at XXXX  onXX/XX/XXXX in the amount of {$640.00}. I accepted an offer to finance this purchase from affirm.com. The loan terms were six payments of {$100.00} starting XX/XX/ for six months. Loan #XX/XX/XXXX. I returned the dishwasher to XXXX on XX/XX/XXXX Return # XXXX. OnXX/XX/XXXX advised affirm.com that the purchase was returned and the transaction was cancelled. Affirm.com continues to charge me {$100.00} for payments on the loan. I have contacted affirm.com repeatedly ( XXXX ) to advise them this transaction has been cancelled and that I should not be charged loan payments. Affirm.com has been consistently uncooperative in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NY

Complaint narrative:
There is information on my credit report that is a result of identity theft. The identified transactions are not information related to any transactions by me as the consumer. 
SEE ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
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: CA

Complaint narrative:
On XX/XX/2024, I deposited {$2000.00} into my checking account. A few hours later I attempted to make a withdrawal for {$2000.00} to pay some bills at a different ATM Location. I received an error message from the ATM, claiming I was over my daily withdrawal limit and the transaction was declined. I then attempted to withdraw {$1000.00} but received the same error message and my card was returned but no funds were issued. I checked my bank account balance and ( {$1000.00} ) had been deducted from my balance despite no funds being issued. I immediately filed a claim over the phone with a specialist and was told it may take up to 10 business days. I received a provisional amount of {$1000.00} credit to my account on XX/XX/2024. A few days ago I received a later in the mail stating my claim had been denied and the amount would be deducted from the account. Today on XX/XX/2024 the amount of {$1000.00} was deducted from my account causing me to be overdrawn by - {$950.00} dollars. I immediately called a claim specialist and explained the situation and felt belittled by the customer service team. I do not feel Wells Fargo treats their customers fairly our care about their customer satisfaction.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Since XXXX I have been trying to get the bureaus to do their job well since I have sent them notifications to please correct some errors in my credit report, I know that by law they should have done this in 45 days maximum, however until the moment I have been ignored. 

Also many creditors who have already sold the account to collection agencies continue to harass me trying to collect, according to my knowledge this should not be like that, the credit bureaus should regulate it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
Please CFPB do not cancel this request this is a request from of a consumer to exercise his right : consumer has been attempting to get trade lines removed from credit reports per debt collection policy. If you mark this as duplicate its a violation of consumers rights. 


Complaint as follows for collection agency : National credit adjusters. As per their website : ncaks.com : After Your Account is Paid For those accounts that XXXX credit-reports, our policy is that 60-90 days after the account is satisfied, we request that the credit bureaus delete our tradeline. Before then, you may notice a paid-in-full status 30-45 days after its paid.

I have 2 accounts with them that have been paid and satisfied, Accounts XXXX and XXXX XXXX has not updated account status on above account. Collection agency has failed to update in timely manner consumers credit report for all 3 agencies to reflect payment made and account satisfaction, nor have they made attempts to delete trade line from consumers credit reports. Consumer has reached out via email to XXXX XXXX XXXX informing them of their policy as posted publicly on their website, and any further negative reporting to credit bureaus will be met with legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The accounts below have violated my rights.

15 U.S.C1681 section 602A. States i have the right to privacy.

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account whit out 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 7 years.

15 U.S.C 1681 s-2 ( A ) ( a ) 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. 

DELETE DE ACCOUNT BELOW XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681.

The accounts bellow have violated my rights 15 U.S.C 1681 section 602A. States I have the right to my 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 1681 ( a ) ( 5 ) Section Status : no consumer reporting agency may make any consumer report containing any of the fallowing item 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 USC 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 

Delete the account below : 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 2024-02-13 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: Nelnet, Inc.
State: NY

Complaint narrative:
I requested over the phone for Nelnet not to report my information to any third parties such as XXXX. I did this several times and have XXXX of these phone calls recorded. Each time I was not given a written request asking for my permission to disclose information nor an explanation of my right to exercise my nondisclosure option pursuant to 15 USC 6802. This most recent contact was met with a written response from Nelnet ADMITTING that they are not following the laws set out by the Fair Credit Reporting Act. However, 15 USC 6802 clearly states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. Clearly, Nelnet is saying that they have not and will not be giving me an option to exercise my privacy concerning third parties. I was never given a written notice at the beginning of said alleged agreement with Nelnet nor was I given XXXX upon these multiple requests. This constitutes as Nelnet violating these laws willfully and knowingly, and I would like them to comply and cease reporting immediately on any negative information that does not have my consent to be disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I applied for a credit card with Dillard 's and got approved. I called because I never received a bill or got my card. When I finally spoke with someone it was determined that my card / statement was sent to the wrong address twice. I received a late fee due to the company 's error and they waived the fee and now I am requesting that the late payment for XXXX XXXX XXXX be deleted off of my credit reports.

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 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Used BMO ATM on XXXX XXXX in XXXX at XXXX XXXX 
Put in my card and pin for deposit of {$900.00} cash. ATM machine recognized the {$900.00} and the number appeared on the screen. 
Asked me which account I would like to make the deposit to : Checking or Savings. I chose Savings.

Machine said, error to account or somethinng similar and proceeded to spit the cash back out. The gate where I deposited cash is the same that spit it back out, then it closed after only returning {$700.00}. And I went and got the manager, by watching the machine, opening the door and yelling that I could use some assistance. 
The manager came out and we diacussed what happened. He then asked me to make a withdrawl of {$5.00} to see if my {$200.00} would be there when the metal door/gate opened to give me the {$5.00}. 
I proceeded. But this time the gate/drawer/doo where the funds come in and out opened on the right side instead of the left side like before. 
I received my {$5.00} bill amd thought I would try depositing it to see if that would open the other gate where my {$200.00} might be stuck. 
I went through all of the steps until I was to pick a transaction type and the only button that wasn't highlighted was the deposit button. I was not able to deposit the {$5.00}. 
I went into the bank and deposited the {$700.00} via a teller. I asked the manager when I would get my {$200.00} and he clearly said " by midnight or tomorrow morning at the latest ''. I asked for a written statement of what transpired and he refused and gave me his card. BMO is the worst bank! 
I posted my experience on XXXX and many people have come forward with their own terrible experiences. 
They also sent me a letter a month ago stating that they had overcharged me {$70.00} in transaction fees and would be depositing it into my account but they never did. When I called to ask about the missing deposit and the letter, the person the the line said they did not have access to letters I have been sent. And there was no record of this. I am XXXX and out of work so every XXXX counts. I will change banks as soon as possible. This bank is only out for themselves.

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 2024-02-13 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
XX/XX/XXXX Provided complaint to Barclay 's Bank with full documentation, multiple photos and video over merchandise received from XXXX on XX/XX/XXXX that was heavily damaged and had missing parts for a credit on my account. A complaint was filed because XXXX used only chat-bots with poor/non-existent customer service to try and repeatedly offer acceptance of a discount on the damaged merchandise that was not usable, and refused to make arrangements for the return of the damaged merchandise at their expense. Barclay 's acknowledged receiving the complaint on XX/XX/XXXX in a letter. They then sent a letter dated XX/XX/XXXX that they CLOSED the dispute alleging that the " Attempted to contact '' me " on XX/XX/XXXX and on XX/XX/XXXX '', and because they " haven't received a response '', they closed the dispute case. No such communication, whatever it may have been, was ever received. If it was a phone call, no message was left. I called them and spoke with a rep ' who advised me that the case should not have been closed and asked it be re-opened as there was ample evidence there to resolve the dispute in my favor. He also had me fax a letter asking the case be reopened on XX/XX/XXXX. I then received a letter from Barclay 's dated XX/XX/XXXX that they were " not able to assist '' with obtaining a credit due to " insufficient proof that the merchant has violated the invoice/contract 's terms and conditions '', and that they " were not provided with sufficient proof that the merchant has agreed to refund the account ''. Another call to Barclay 's on XX/XX/XXXX, a rep ' looked at the case and stated he could not understand why the case was not resolved based on the evidence he could see that was provided and stated he was going to escalate the case. Nothing was heard from Barclay 's. Another call was made by me to Barclay 's again on XX/XX/XXXX. I was told the case was closed and that I would have to fax over yet another letter with all the documentation that I had previously sent asking that the case be re-opened. Clearly, Barclay 's is not representing the best interests of their customers by not supporting us with with well-documented disputes.

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 2024-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: PA

Complaint narrative:
I'm trying to make a payment on my account, it is now late. The company only uses a mobile app. Everytime I open the app it says deposit pending. It keeps saying arriving by the next business day by XXXX, but after the time comes, I get no deposit and the timer resets. There is a button that says pay with debit card, but when I click on it. Nothing happens. This is ruining my credit.

Company response to consumer: Closed with explanation