vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: OK

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. 

The letters are stated with items and issues. 

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 2023-06-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. The XXXX credit cards was opened XXXX XXXX receiver of account was XXXX XXXX XXXX collections agency on XXXX XXXX  was the date they received my credit card account. A settlement arrangement of XXXX was made with XXXX XXXX XXXX to settle my account for the payment I made on XXXX XXXX in the amount of XXXX and they did not hold up there end of agreement to get the account deleted. 


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 that a consumer reporting agency can not furnish an account without my written instructions. 

On Tuesday XX/XX/ I called in and I asked the company to do a thorough verification and investigation on my credit report because the payment I made was to settle the account and they stated that they completed verification and that everything deemed to be accurate and had been reported to all 3 credit bureaus. Even after speaking with them I did a thorough research for myself and I found improper inaccuracies on the credit report even after they did the thorough research and investigation on this account it's still listed on my credit report after being resolved. I reached out to the company and they tried to make me do a payment arrangement and I stated that I was not going to pay for a account that is supposed to be settled.

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 2023-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO ARE STILL REFUSING TO USE MY XXXX MAILING ADDRESS AS INDICATING ON MY ACCOUNT PREFERENCES , WELLS FARGO ARE INSISTING ON USING MY HOME ADDRESS FOR SENDING MAILS REGARDING MY ACCOUNT. EVEN AFTER MORE THAN 2 YEARS OF COMPLAINTS ABOUT THE SAME ISSUE 
TODAY XXXX AGAIN I RECEIVED A LETTER FROM WELLS FARGO REGARDING MY ACCOUNT TO MY HOME ADDRESS. 
 I FAILED TO  PENETRATE MY ISSUE IN THE BRAINS OF WELLS FARGO EMPLOYEES WHO ARE WORKING FROM THE COMFORT OF THEIR HOME WITHOUT ANY SUPERVISION OR MANAGEMENT THAT I DO NOT WANT ANY MAIL TO MY HOME ADDRESS ALL MAILS SHOULD BE DIRECTED TO MY XXXX XXXX MAILING ADDRESS.
FOR MORE THAN 2 YEARS OF C0MPLAINTS TRYING TO MAKE WELLS FARGO RESPECT MY PRIVACY RIGHTS  BY DIRECTING ALL  WELLS FARGO MAIL ADDRESSED TO ME TO MY MAILING ADDRESS WHICH I PROVIDED ON MY ACCOUNT PREFERENCE BUT TILL TODAY XXXX  WELLS FARGO  FAILED TO  RESPOND TO MY ISSUE PROPERLY , FAILED TO INVESTIGATE MY ISSUE AND FAILED TO OBEY THE LAWS AND REGULATION AND MY PRIVACY RIGHTS.
IF I WAS DEALING WITH MONKEYS IN THIS LAST 2 YEARS BY NOW THE MONKEYS WOULD 'VE KNOW WHAT TO DO, OPPOSITE THAN WELLS FARGO EMPLOYEES. 
I HAVE TO KEEP COMPLAINING EVERYWHERE HOPING  AT THE END WELLS FARGO WOULD ACCEPT TO UISE MY XXXX MAILING ADDRESS FOR ALL THE MAIL AND TO RESPECT MY PRIVACY RIGHTS AND DIRECT THEIR MAIL TO MY MAILING ADDRESS AS INDICATED ON MY ACCOUNT.
THE WELLS FARGO EMPLOYEES WHO ANSWERS HERE SEEMS TO BE UNPROFESSIONALS AND  NOT INTERESTED IN SOLVING MY ISSUE , FOR THAT I HAVE TO KEEP COMPLAINING HERE AND EVERYWHERE TILL WELLS FARGO FOLLOW THE RULES AND REGULATION AND MY ACCOUNT PREFERENCE.
ALL THE ANSWERS FROM WELLS FARGO ARE MISLEADING, THE ANSWERS   ARE SORRY WE CANNOT MAIL TO YOUR XXXX MAILING ADDRESS BECAUSE OF COVID-19 OR BECAUSE OF USA PATRIOT ACT OR BECAUSE OF THE WEATHER OR THEY MISLEAD AND SAY IT HAPPENED ONE TIME ONLY OR ..... 
NOT ONE TIME WELLS FARGO TRIED TO FIND A SOLUTION.
 READ AT XXXX HOW MANY THOUSAND OF CUSTOMERS ARE COMPLAINING ABOUT SIMILAR ISSUE.
I ATTACHED XXXX OF LETTERS THAT WELLS FARGO SENT TO MY HOME ADDRESS FROM THE TIME I COMPLAINT HERE TILL NOW.

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have 4 accounts with Synchrony Bank Store Credit Cards. My home address was incorrect when I was submitting my Payments, therefore credits were not going towards my Credit Cards when I taught they were taken out of my checking accounting. In the meantime I have paid off ( XXXX ) in a short time and Synchrony still reported my delinquency 's to the credit bureaus which drastically lowered my credit score ... ... ..... 
I complained many times and the answer I received every time was they could not do a thing about. I never seen such poor customer service and Credit Company in my XXXX plus years of establishing 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 non-monetary relief
Consumer complaint received 2023-06-01 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: PNC Bank N.A.
State: AL

Complaint narrative:
Iam making payments to my mortgage company through PNC Bank account, system of mortage company accidently double charged me, called them they said you can open dispute by your bank, I did till now didn't resolve this put me in very bad situation can't deposit or pay my bills because of - {$1600.00} put me in hardship, I just need resolve this dispute with PNC bank ASAP. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01 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: MN

Complaint narrative:
In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under 15 usc 1681 sec 602 states I have the right to privacy. 15 usc section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 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 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 2023-06-01 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: MN

Complaint narrative:
In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have violated my rights under 15 usc 1681 sec 602 states I have the right to privacy. 15 usc section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 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 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 2023-06-01 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
I had a free community business checking account with XXXXXXXX XXXX XXXX XXXX was purchased but First National Bank. I was told everything would stay the same with my free business checking account. First National set my account up as a Non-Profit Checking account and has charged me monthly for this account. I have called my local office as well as the main office to try to get this fixed. Every time I am told that they will make a change and credit me back the charges. I have been calling monthly for 9 months, this is when they started charging me {$12.00} per month for the Non-Profit account that I never signed up for. I don't have a non-profit business. Each month, I believe that they are fixing the problem and I will see the credit but instead the charge hits my account again. Each month, I have to sit on the phone with them again and go through everything with someone else who promises me it will all be fixed and someone will follow up. The charges as of XX/XX/XXXX are {$120.00}, the {$12.00} per month has been taken from me starting XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hi there, on my credit report, XXXX shows that I have an open dispute with Capital One for an account that has a XXXX balance. When I call XXXX they say that there is a flag from Capital One is why they can't remove it instantly and that they have to open a dispute in order for Capital One to remove it. Can someone please help me? I am in the closing phase of purchasing a home and this is hindering the process please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: SC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-06-01 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: SC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01 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: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Wells Fargo noted over XXXX transactions for {$110000.00} from a company called XXXX that I told them had fraudulent and duplicate charges. XXXX XXXX refunded {$44000.00} back to me for the same fraud and Wells Fargo denied my claim and told me I needed to be smarter and check sources before engaging with a company. They also didnt listen to me, ignored what I said, deleted complaints that were logged in their system and closed then claim and will not allow me to reopen after telling me to send them complaint info in PDF form.

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: SC

Complaint narrative:
It is challenging for me to accept this situation.

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 2023-06-01 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 am urging you to take action on these inaccurate and fraudulent 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 2023-06-01 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: TX

Complaint narrative:
15 U.s. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and you are in violation of this law because i am a victim of identity theft!! these accounts should not be furnished on my consumer report as they are in violation!!! under, 15 u.s. code 1681b - permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written I've identified information on my credit report that is a result of identity theft. None of these transactions was made by me. Account Names as followed XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX, XXXX Account number 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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
Equifax continues to report these unauthorized, unverified hard inquiries on my credit report. I have called Equifax and sent letters, and they have not responded to these unconfirmed inquiries with certifiable evidence as demonstrated per US Code 15 U.S.C. 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. 

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EdFinancial Services
State: MD

Complaint narrative:
I DID NOT DISPUTE ANY OF THESE ACCOUNT PLEASE RE-INSERT THOSE ACCOUNT, I'M BEGGING YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX, initiated settlement on a equity loan account ( House in lien for this account was foreclosed on XXXX ) with XXXX XXXX thru XXXX loss and mitigation ( LM ). 
As of XX/XX/XXXX, all application and documents were filed. It was confirmed by LM and confirmed that the account will be stopped and closed. 
As of XX/XX/XXXX, settlement offer was received from XXXX. All payment was made as of XX/XX/XXXX and on XX/XX/XXXX, received official letter from bank on receipt of payment and settlement in full with bank ( document available ). 

However, on my credit report from all three credit bureaus were showing as from XXXX XXXX to XXXX. XXXX as " Late PaymenXXXX '' and from XXXX to XX/XX/XXXX as " Charge Off ''. 

I tried first to talk to bank on this wrong credit report, but they would just keep transferring me to different departments, not willing to work with me. 

Then, I filed dispute this first thru XXXX and XXXX corrected all these incorrect information after reviewing my dispute and filed documents. 
Afterwards, I filed dispute with Experian, but Experian agent is saying even though all information is clearly showing it was incorrect, they need to keep it because that is what the bank says it is. I haven't received any results from XXXX, 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 explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My acct was hacked with my actual acct number on XX/XX/XXXX. I was told they would close it out after everything cleared. They told me to go open a new acct at the bank. So my husband an i went and opened a new acct. I ask the guy what happens to the money that was taken an the money i have in the acct. He said after everything clears it will go in my open acct. So on XX/XX/XXXX i called an ask why i owed XXXX something to a closed acct. They said its not closed. Now they have been hitting me with fees every month on a acct thats supposed to be closed so i said i want all my money back an take that money u said i owe off i had to get a supervisor who said he t Put back all the fees and money well he didnt. Now again i owe more money on XX/XX/XXXX so i called again and the fraud department said they would take care of this. So yesterday XX/XX/XXXX my husband got paid and he works in XXXX an needed gas he got declined hes beyond XXXX. I call and get XXXX an i told her im sick of this an she said i need to talk to your husband now granted we did the same thing last month and he told them to talk to me for anything she would not help so i hung up and called back this guy said we cant take the fraud pertection off his card. Ive never heard of this its my acct and noone is helping on this closed acct. I have had nothing but problems bouning stuff an its all on bill pay please help us i cant take this bank i need this all fixed an the money they owe me so i can close out an go to my other bank. This bank i have never had this kind of problems. Its also the credit card to. I dont have the acct number for this closed acct

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