vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We found a condo to rent on XXXX XXXX XXXX  for XXXX XXXX XXXX Went to Wells fargo XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX to transfer funds to Wells Fargo Bank on XXXX XXXXXXXX XXXX XXXX had a check deposited from our account to the account given to us by scammers at the XXXX XXXX XXXX XXXX XXXX for {$6500.00}. This was the first payment of two. The banker assured us everything was in order with the account we sent the funds too. We communicated with scammers as they acknowledged receiving the funds. Next payment of {$7000.00}. was due in XXXX but now to XXXX XXXX  XXXX XXXX XXXX, the scammers told us they had problems with XXXX and so they have switched to XXXX XXXX. We had a check drawn for {$7000.00}. from our XXXX account and transferred to XXXX XXXX  XXXX XXXX XXXX. Again scammers said they recieved the funds and everything was good to go. Arrived at condo in XX/XX/XXXX to find no one there and no one to contect, scammers were gone. Filed complaint with XXXX XXXX Police and FBI. 
XXXX Wells Fargo Scam Department in XX/XX/XXXX, filed complaint. We were told at that time the XXXX account to which we made deposit in was closed in XX/XX/XXXX for fraudulent activity. Asked why we were not notified to which that answered they couldn't tell us for privacy regulations. I said how can it be a privacy violation when we knew the account number and name, again privacy regulation? Asked why the police were not notified to which they said they don't usually do this. I said once the police are involved legal process takes over so privacy regulation does not apply. He didn't know for sure. 
I have tried to resolve this matter several times with escalation to XXXX XXXX XXXX XXXX with no results, XXXX claims no responsibility in this scam I have said over and over if we had known in XXXX it could have lead to prosecution of scammers and stopped the second payment. All they had to do is notify XXXX XXXX Police, the detective I filed our complaint with said they would have contacted us to answer questions which would possibly made arrests, can not find out XXXX months later of account closure.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX For the period of XX/XX/year>, XX/XX/year>, XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
Although banks may close consumer accounts for any reason without notice, I believe and thus XXXX Bank of America 's review of my consumer account indicated in the letter dated XX/XX/year> is discrimination based on race and national origin and contrary to public policy. 

Contrary to its assertion in the letter, Bank of America did not reverse and revert to the sender a deposit in the amount of {$8800.00} on or about XX/XX/year>. See paragraph XXXX page XXXX It did not base its decision on objective criteria related to risk ; rather, the bank decided to manage risks in its banking operations based on discriminatory policies and discriminatory practices by failing to return all money due to me when the account was closed. 

Bank of America was a aware that I am a XXXX consumer when I opened my account and also knew or had reason to know based on its own internal monitoring and reporting that its policies of giving unguided discretion to its consumer banking operations, specifically in XXXX XXXX  products, was resulting in discrimination. See XXXX XXXX XXXX For example, Bank of America knew that its policies and practices encouraged the improper placement of non-White consumers into their XXXX XXXX  Checking products and that its internal system designed to ensure proper placement of these consumers was ineffective and subject to easy manipulation. 

Bank of America 's internal documents will also show that senior officials were aware of the numerous tactics employed to close XXXX consumer 's XXXX XXXX  checking accounts and that a significant percentage of non-White consumers were closed based on risk compared to its XXXX XXXX  in similarly situated banking products. In other words Bank of America returns all money due to XXXX customers more often than to XXXX XXXX  when accounts are closed. Thus, Bank of America did not act to adequately compensate consumers who were victims of discrimination nor did it take effective action to change its policies or practices to eliminate discrimination. 

Therefore this is not a dispute that involves provisions of my contract with the bank ; it is a bona fide complaint to hold Bank of America accountable for its violation of consumer banking laws when it failed to return {$8600.00} on XX/XX/year> and to remedy the substantial and widespread harmful consequences of Bank of America 's discriminatory banking policies and practices in its XXXX XXXX division.

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 2024-10-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
For some reason, I'm guessing some sort of mental defect or disfunction, this bank has begun filling my mailbox with their unwanted junkmail two and three times a week for the past month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
XXXX XXXX XX/XX/year> XXXX I received a letter from XXXX XXXX saying that XXXX XXXX  sold them my information

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 2024-10-31 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: FL

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX I received a letter from XXXX XXXX saying that XXXX XXXX  sold them my information

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 2024-10-31 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: 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.

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 2024-10-31 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: EQUIFAX, 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.

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 explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Myself and a roommate moved into an apartment managed by XXXX XXXX XXXX XXXX called XXXX XXXXXXXX XXXX XXXXXXXX XXXX. We discovered within one day that the unit was infested with roaches. Property management agreed to terminate the lease at no charge because it was within 30 days of move-in. They stated we wouldn't receive a refund on any of the prorated rent payed even though we didn't spend even a single night in the unit due to the disturbing living conditions. We returned all keys and vacated the unit where they once again reassured us there was no balance due. Seven months later I was notified of a change of my FICO score where I discovered a {$50.00} collection being reported originating from XXXX  XXXXXXXX XXXX XXXXXXXX XXXX. There was never a single notice given, never a letter, email, phone call, or voicemail received by myself or my roommate about this alleged debt or its being sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: AR

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: FL

Complaint narrative:
this is a violation of the fair credit reporting act, willing-full non-compliance. experian verified the debt as accurate but did not provide me with the proof that the debt is mine. i requested this information with law 15 USC 1681 ( a ) ( 6 ) ( B ) ( iii ).

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 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
this is a violation of the fair credit reporting act, willing-full non-compliance. XXXX verified the debt as accurate but did not provide me with the proof that the debt is mine. i requested this information with law 15 USC 1681 ( a ) ( 6 ) ( B ) ( iii ).

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 2024-10-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
this is a violation of the fair credit reporting act, willing-full non-compliance. XXXX verified the debt as accurate but did not provide me with the proof that the debt is mine. i requested this information with law 15 USC 1681 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I divorced XXXX XXXX XXXX XX/XX/year>. He was granted the residence at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, AZ XXXX, and I quit claimed title to him. 
XXXX took an option to have deferred payments during XXXX  which made the loan go into default. 
He claims to now be current with the mortgage. 
I am upset because it continually drags MY credit score down. 
I have remarried and have XXXX XXXX for the past 22 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TX

Complaint narrative:
I am writing to formally request the removal and blocking of all fraudulent accounts and inquiries listed below, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a recent victim of a data breach, I am exercising my rights to ensure that any accounts established or inquiries made without my authorization are removed from my credit report. 
The following inquiries are unauthorized and were made fraudulently : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson CapitaXXXX is on my credit report trying to collect {$2500.00} which is not valid..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: Experian Information Solutions Inc.
State: TX

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.

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 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
Form XX/XX/2024 I have been disputing an issue where a Credit Lender Goldmans Sacs Lowered my credit limit from XXXX to {$500.00} on my Apple card after I paid off the full balance of {$1200.00} despite no delinquencies or late payments negatively affecting my credit utilization for this account the Lender claims it was due to delinquency on my XXXX report from another creditor outside of the Apple Card account with Goldmans Sacs however after a review with XXXX customer service and printing a copy of my report, it shows no such delinquency on my XXXX report. However, the company insists their information is accurate and is only being reported from the Credit Reporting Agency XXXX I have asked for an appeal and disputed this information with the company as incorrect from XX/XX/2024 to XX/XX/2024 each month, and this company 's credit approval department continue to say the non-existent information influenced this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-31 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
During Covid I went through financial hardship, resulting in late payments to my Amex credit card. They gave the account to XXXX XXXX XXXX to manage it, and a payment plan was put in place for me to pay the debt. I paid my dues having my last payment automatically withdrawn on XX/XX/year>. I have confirmed with XXXX over the phone, at least 2 times, that in fact the account was " paid as agreed '' and that it is now " Closed ''. My first complain is with them for failing to send me the proper documentation in writing, even though I asked for it, at least twice. 
On XXXX of this year I received a " XXXXXXXX XXXX XXXX XXXX Request '' from XXXX XXXX XXXX, representing Amex, claiming that I still owe {$3900.00} I talked to a XXXX XXXX representative and sent proof of my payment arrangement and last XXXX payments to Amex. They have been investigating since then. It is basically XXXX now ( 6 months since I contacted them ), and every time I call, they have no status on my case. 
To make things even worse, in the past 3 months, Amex has been reporting a " past due '' amount on that closed account, for the amount of {$79.00} each month. It is important to say that according to the representatives at XXXX, they are not aware of these charges, and I have not received any communication from Amex about this charge that I can only assume is a late fee (? ), but makes no sense because the account was charge off and it's close, so there should be no new charges.

Company response to consumer: Closed with non-monetary relief