vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

Account nameXXXX, XXXX Account name  : XXXX XXXX XXXX XXXX, XXXX Account name : XXXX XXXX XXXX XXXX, XXXX Account name : XXXX XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. 

Account name:XXXX, XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
MEDICAL BEING REPORTED THAT I WAS UNAWARE OFF.. I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA. MEDICAL DEBT UNDER {$200.00} IS NOT TO BE LISTED ON MY CREDIT REPORT. I NEVER RECIEVED AN ITEMIZED STATEMENT PROVIING THIS DEBT IS IN FACT MINE. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, AMERICAN COLLECTIONS SVCS.INC. 
XXXX XXXX XXXX XXXX XXXX  XXXX OK XXXX ( XXXX ) XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately. 
This violated XXXX laws and all. My information should have not been sold. It is confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem 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: CA

Complaint narrative:
Wanted to cancel a charge for a purchase that went through as a recurring yearly charge. When I purchased the ski pass fir XXXX I was not aware that it would be recurring charge in the future. I contacted the company XXXX, and they claimed that it could only be cancelled for specific reasons through a third party entity. It seems that I will never be able to cancel this pass whether I want it or not. This charge was for a ski pass and I tried to cancel it in XXXX way before the season even started. The credit card company, Barclay is siding with XXXX. The charges are {$570.00} and {$50.00}. 
XXXX is being Draconian with their position. Barclays is preferring to side with the big corporation rather than their customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are accounts currently being furnished on my credit report without my written authorization or consent. Pursuant 15 USC 1681 ( a ) ( 4 ), I have a RIGHT TO PRIVACY as a consumer. Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), I have the right to have these items EXCLUDED from my credit report as I was NEVER given an opportunity to direct that this information be excluded from my credit report. Pursuant 15 USC 1681b ( a ) ( 2 ), A consumer reporting agency MUST have my WRITTEN consent to furnish an account using my personal identifying information.I never gave TRANSUNION WRITTEN CONSENT to furnish any of these accounts. Federal LAW overrides any company policy. Therefore, I am enforcing my federally protected rights as a consumer to have the following accounts removed from my credit report. XXXX XXXX  account # XXXX-balance- {$87000.00}, XXXX XXXX  account XXXX XXXX-balance- {$13000.00}, XXXX XXXX  XXXX account # XXXX-balance- {$31000.00} XXXX XXXX account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I paid off the full amount of my Capital One credit card ( {$4400.00} ). Historically, I typically pay this card off fully and do not maintain a balance on it. 

On XX/XX/XXXX, Capital One charged me interest of {$28.00} despite having a {$0.00} balance. On XX/XX/XXXX, Capital One charged me a {$28.00} past due fee on the {$28.00} interest charge, and then added another {$0.00} in interest on XX/XX/XXXX. 

On XX/XX/XXXX, I attempted to use my credit card, upon which I realized it had been locked. I noted the {$57.00} balance ( from the interest/past due charges after my full payment ). I immediately submitted a payment for the entire {$57.00} balance and called Capital One. Their employee apologized and said they were waiving the full amount of {$57.00}, and she said she would cancel my unnecessary payment. She assured me I would have a {$0.00} balance and nothing owed once they waived everything, and therefore my account was in good standing with {$0.00} owed and no more expected interest charges. 

However, Capital One apparently did not complete the waiving process. They then charged me another {$40.00} late fee on XX/XX/XXXX along with {$1.00} in interest on XX/XX/XXXX. They also reported my account in late standing to all 3 Credit Bureaus. 

On XX/XX/XXXX, I was notified of this negative change by the credit bureaus. I immediately called Capital One. Their employee opened a case to correct their bank error and rectify it. They informed me that the credit bureaus would be notified by the bank of their incorrect reporting, and my account would again show my good standing. 

But unfortunately, on XX/XX/XXXX, Capital One itself, after being notified by the credit bureaus that my credit report had a late associated with it, used the negative reporting -- that they caused by their own error- to make a decision to lower my credit limit from {$22000.00} to {$5000.00}. 

I called Capital One to rectify the reduced credit limit today, and I was told they only recourse was a credit limit increase inquiry. This is unacceptable. Their error has caused the negative bureau rating. And they made a decision on my account based on their own error. I need resolution back to my full previous good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Navy Federal Credit Union, concerning a fraud claim for card num ending in # XXXX of {$190.00}. 

Navy Federals investigation determined an agreement that an error occurred as I asserted and that a provisional credit was applied that was not applied temporarily while they await information from the merchant that supports the validity of the disputed charges. 

It clearly states in the provided letter that : if the merchant does not provide information within 45 days from the date of the letter, their determination that the error occurred as I asserted will be final and the provisional credit that I did not receive would become permanent. 

It has been well off past 45 days and Navy Federal has failed to communicate and refund the money back to my account regarding my claim. The merchant has not sent any information within the timeframe stated in the certified letter within this claim ( See Attachments ). Navy Federal states that when their investigation was completed I would be notified of a determination stating whether the provisional credit that I did not receive during their investigation was removed or permanent. 

RESOLUTION : Therefore, I am filing a complaint with an expectation of authorization action to be taking place for the return of my funds to be expedited back to my new credit card account ending in # XXXX. 

I am also a victim of disable discrimination with a XXXX XXXX  and demand a resolution for those of disabilities to be advocated for under the American of Disability Act to be able to use their reasonable accommodations regarding and claims and consult with a customer service provider as a Private ClienXXXX base on their disability needs. 


Respectfully Submitted, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I paid off all my debts. I settled with American express in court. They are saying I still owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Due to my TransUnion credit report true identity account my personal information is incorrect everything on there not valid cause my personal information to be incorrect I requested everything should be removed off my credit report an middle name need to be removed as it provides on state issue identity card provide by government law everything must match I requested everything should be removed off my credit report my address is XXXX XXXX XXXX XXXX XXXX XXXX that incorrect information on this report this should be my credit score due incorrect information was provided I never use any 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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo illegally foreclosed on our house. Did not follow proper procedures. Did not fix. Cost us reinstatement funds. Caused credit issues and could not refinance. Then they sold our Mortcage to another company costing us even more money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
on XX/XX/22, i deposited a check at bank of america ( XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX ) for {$8400.00} from XXXX bank. I was told upon depositing that there would be a 2 day hold for approx. {$5300.00} and a 4 day hold for the balance i agreed and deposited the check and received a receipt confirming ( attached ). this afternoon i recevied an email stating that the full balance wouldnt be available until the XXXX ( attached ). 

Bank of america claims they cant do anything about hold extension, when i requested the deposit be cancelled they said they could not cancel deposit. This is unacceptable, if i was told money would not be available to new years i would of sent check to XXXX XXXX  for faster processing, instead i was lied to and given the wrong dates. No i will be unable to pay bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I applied for a Wells Fargo mortgage loan and was approved and then denied due to having to bring $ XXXX to closing and I got my mortgage closed with a different company with $ XXXX to closing. I also bank with Wells Fargo the last almost 10 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 2022-12-20 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/2022, I rented a rental car from XXXX in XXXX, XXXX and was charged {$4600.00} for a XXXX rental. When I tried to dispute the charges, XXXX XXXX claimed that they informed be of the price beforehand and did not allocate a refund. Furthermore, when I contacted my bank, Wells Fargo, they initially sent me a credit reversal to cover the extraneous charges, however, after a few months, they debited the same amount from my account leaving me overdrawn. In my opinion, Wells Fargo did not do a comprehensible investigation and has sided with the merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: CA

Complaint narrative:
Checkr has indicted that I have no DL issued, but I do. The same DL Ive submitted when I applied for the background check and fill out their from. It is Temporary CA DL valid for XXXX days. Paper list.

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

Complaint narrative:
Turned off auto pay with various vendors but continued to be assessed overdraft fees to the point that the account was closed. Some items with low dollar amounts were declined for payment but other items with substantial amounts were covered and assessed the overdraft charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
My credit limit has been readjusted back to its previous limit of {$14000.00} as of my last CFPB complaint. However, AMEX also made an error by submitting a XXXX Pull on my existing credit. Instead of giving me more credit they simply reduced the limit on my existing credit card to put on a new card without my knowledge. I've contacted American Express and was told they will ensure that the {$14000.00} will post at the credit bureau. That is not the problem because the {$14000.00} is already reflected on my credit report. I feel that my request for a credit fix fell on deaf ears. They didn't give me anything of value besides the new card they were to give me was canceled an hour after this error. I want AMEX to contact the credit bureau to fix this hardcopy error which lowered my XXXX XXXX. 

( See the previous complaint XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Unlawful use of reported false information due incorrect address an name on file don't match my government issue identity card provide by law I believe everything was reported unlawful activity happened to theses companies allowing debts collected agency reported false information to report a debt I have anything do with fail to investigate before added to my credit report with out proving identification card on file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Unlawful use of reported false information due incorrect address an name on file don't match my government issue identity card provide by law I believe everything was reported unlawful activity happened to theses companies allowing debts collected agency reported false information to report a debt I have anything do with fail to investigate before added to my credit report with out proving identification card on file

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