vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
* Account name : XXXX XXXX XXXX XXXX XXXX XXXX * Account number : XXXX, all have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
Wells Fargo has failed to properly process a check to my account due to back room processing errors. The first deposit was XX/XX/XXXX, XXXX # XXXX, {$8200.00}. The first time this Item was deposited it was placed in special handling envelope and hand keyed in leaving off the last number of the XXXX #. Rather than correcting this they returned the Item to me causing a {$550.00} over draft. They never notified me and I found out about this when trying to use my debit card and was denied. No problem sending a threatening email to immediately cover the over draft to my account. No attempt by Wells Fargo was made to correct or reprocess the check nor was there ever a problem with this item. They refused to provide me with any explanation except to say, " you will have to refer to the maker ''. through my research I was able to determine that Wells Fargo had never attempted to process this check. they refused to reprocess forcing me to have it replaced by the maker. That deposit was made on XX/XX/XXXX, XXXX # XXXX, {$8200.00}. At XXXX am, XX/XX/XXXX I received an email stating XXXX were being held until XX/XX/XXXX my account was again over drawn this time {$880.00} and items were returned. Again the threatening email to cover the XXXX item they paid. XXXX bank and the issuer verified that Wells Fargo had cashed the XX/XX/XXXX and XXXX paid the item on XX/XX/XXXX. Their back room processing told several stories, the item had a stop payment, the item was returned etc. none of which turned out to be true. All this happened at a Wells Fargo Branch and with a branch manager that was assigned to me to fix the first issue. I sent XXXX full hour at that office on the phone with XXXX XXXX both myself and their manager being transferred more time then I can count, simply asking them, both myself and the manager to issue a provisional credit. They refused even after confirming they knew they had the funds. In the end I was left holding the bag for not one mistake but two, told I would have wait as long as XX/XX/XXXX for resolution. I received an email at XXXX PM XX/XX/XXXX stating what I already knew they have confused the two deposit and think the new replacement check is XXXX with the Stop Payment. Again Their Branch Manager and myself confirmed the XXXX XXXX cleared and was paid on XX/XX/XXXX by XXXX bank!!

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX This account should not be reported as a charge-off, I paid this on time. Please provide evidence that my rights have not been abrogated on this report. In the event that no record exists, please delete this damaging account information. 

XXXX XXXX - Account Number:XXXX XXXX is reporting all charged off but XXXX reports all good payments. Also, charged off the account but it still has a balance. You need to remove this inaccurate report immediately! 

XXXXXXXX XXXX XXXX  XXXX - Account NumberXXXX Please remove inaccurate reported late payments and update to paid as agreed

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 2024-02-22 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: AZ

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 non-monetary relief
Consumer complaint received 2024-02-22 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I paid off a loan debt it and dramatically decreased my score by XXXX points from XXXX to XXXX when I paid off debt and I no longer owe the balance so my credit should have increased from XXXX to XXXX instead. Very discouraging I am doing the right thing by paying off a debt and I got punished for it.

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 2024-02-22 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: NCB Management Services Inc.
State: TX

Complaint narrative:
XXXX XXXX Acct # XXXXXXXX XXXX ( High balance {$0.00}, Count of late payments XXXX ) XXXX ( High balance {$4500.00}, Count of late payments XXXX ) NCB Management Service Acct # XXXX ( Requested that original documents with signature be sent several times. Company refuses to send ) XXXX XXXX XXXX Acct # XXXX ( Requested that original documents with signature be sent several times. Company refuses to send )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made two payments to my credit card. One payment was made on XX/XX/XXXX for {$630.00} and another was {$310.00} made on XX/XX/XXXX. These payments were both drafted from checking account and posted on XX/XX/XXXX. Today, XX/XX/2024 at XXXX cst, I called Synchrony and inquired why one of the payment I made was not credited to my account even though the representative I spoke with acknowledged that synchrony already received the payment. The representative told me that one payment was held because i made two payments and it will be credited to my account on XXXX XXXX. This is not the first time Synchrony did this same practice where payments I made is held and not credited to my credit card account even though synchrony received the funds from my checking account. Synchrony eventually credited my payment days after they received it. Holding on to the funds when there is no valid reason to rather than credit it to customers account is just deceptive practice done on purpose to make it appear as if customers are not making payment on time so Synchrony can charge late fees.

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 2024-02-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
" Dear CFPB-Please see attached files For months I have submitted complaints to XXXX/Experian regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX / XXXXExperian keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They haven't been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response. ''

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 2024-02-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: United Funding Logistics, LLC
State: OK

Complaint narrative:
I signed up with UFL in XXXX of 2023. I can not even get them to speak to me about the debt repair services they sold me. I have countless unanswered messages in their portal as well as email and phone. I bought a package that included services for my wife and it is the same in that account as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: MO

Complaint narrative:
Yes I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is and there is a Treasury direct account my social security number but my wife and I can't access because my wife 's sister XXXX XXXX been stealing from it she stole our identitis and impersonates my wife and gained access it is beyond us how this could even be possible we now know about it and want this immediately fixed and in the legal rightful people XXXX XXXX XXXX XXXX XXXX XXXX XXXX We are very upset XXXX XXXX and XXXX and XXXX XXXX All companies THAT are involved in our legal trust account XXXX XXXX is committing tax fraud in my wife 's and my names and gets fraudulent social security numbers on us My birthday is XX/XX/1945 My social security number is XXXX XXXX XXXX. .her sister already has our social security number across the Internet even selling fake social security numbers check Treasury direct account XXXX XXXX XXXX My social security number. My wife XXXX XXXX XXXX married XXXX yrs only her and I are rightful legal trust fund account owner 's

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX  - Account XXXX XXXX - Account XXXX Please remove it from my credit report. 

XXXX XXXXXXXX - Account XXXX Please Update all payments, all pay was made on time. 

XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX  - Account XXXX have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I my presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and this is not showing on the XXXX report. The Date Reported is inaccurate ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Also, the Date of Last Payment shows inaccurately with the bureaus ; XXXX XX/XX/XXXX while the other bureaus are not reporting this. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

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 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I bought two item on XXXX. I asked my bank to wire transfer on XX/XX/year> at XXXX, I then realized I was being scammed at XXXX on XX/XX/year> I contacted XXXX XXXX XXXX XXXX to reverse and stop the wires from going through. Then I attempted to call both receiving banks to let the know that this was a scam and not deposit the funds in the accounts. I had no luck talking to the banks and they would not discuss because I wasnt the bank and didnt have an account with their bank. I then reported this to the FBI and state bureau of investigation. The wire was {$24000.00} going to JP Morgan, Chase Bank, wire number XXXX.

Company response to consumer: Closed with explanation