vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: CA

Complaint narrative:
I've attempted to dispute transactions with this company for a while they finally did it once I submitted a complaint. I contacted the company because I've yet to receive a replacement card or the paperwork they claim they needed to process my dispute. Last week and was told the paperwork was sent out and to wait until XX/XX/year> I then called back yesterday just for an update & was told my claims were denied. How can they be denied if I never received the paperwork needed to process my dispute? They denied it due to no error found how is that even possible? Here is a list of all transactions that I Didn't AUTHORIZE! 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 2024-02-10 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, the list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states.

a consumer reporting agency can not frumpish an 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 tems of information any other adverse Tem of information, other tan records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer.

reporting agency if the person knows or has reasonable cause to believe that the information is. 
inaccurate delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
According to the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2. It also stated consumer reporting agency can not furnish an account without my instructions under 15 USC. 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: AZ

Complaint narrative:
Current loan with conns home plus. They call on average 13-16 times a day for me to bring my account current. They call from multiple phone numbers and are extremely rude. Any day after the due date they will spam calls

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Calls every day at hours not appropriate for months on end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/year> my XXXX XXXXXXXX was stolen from a gym and I checked my bank account later that day to notice an unauthorized transaction from Cash App in the amount of {$620.00}. I have filed a police report and raised my concern to cash app but they are being uncooperative. I have requested documentation of their evidence and I am not receiving any communication from cash app. They are refusing to help. The money that was taken from my XXXX XXXX XXXXXXXX account was going to be used for rent and now I am at risk of eviction! If this matter is not resolved I will have no choice but to pursue legal action including a lawsuit against cash app for failing to refund an unauthorized transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Now, I rarely use my Wells Fargo account, which is comprised of two credit cards and a checking account. This incident began with an annual services charge from a third-party company in the amount of XXXX got charged to a credit card # XXXX account ( XXXX XXXX ) and went unnoticed, because I forgot about the services ( note - charges got refunded due to interaction with that 3rd party ) . I do have Wells Fargo account informational communications setup to receive email correspondence and mail for certain account activity. However I did not receive any communication either email nor mail regarding an upcoming payment due for credit card account # 1, which of course was due to it carrying a balance that month. The Wells Fargo credit card # 1 account thus attempted to auto-pay, which had been setup, but due to insufficient funds, caused an overdraft to my checking account. Wells Fargo has some kind of predatory overdraft coverage service, it's innerworkings previously unbeknownst to me up to this incident. The overdraft fee of XXXX} was charged to my credit card # 2 account ( XXXX XXXX ) and also initially went unnoticed, with again no email or mail communication sent by Wells Fargo. This overdraft charge was then subject to approximately 29.24 % interest as a cash advance. The credit card # XXXX account is also set to auto-pay and is also set to have this overdraft coverage. Had I not taken corrective action of this fee scheme, it could have caused a sort of chain reaction of overdraft charges or late fees, all at 29.24 % interest. This will not come to pass, as I am paying the XXXX fee for credit card account # XXXX from a third-party checking account. The fee is from XXXX} overdraft and XXXX interest charge from the first month. This configuration of so-called protection against overdrafts is very troubling, as is the fact that Wells Fargo forbids a third-party account from being added as a funding source to prevent overdrafts, and in addition offers no remedy to simply disable drafting the account when the balance has insufficient funds. These schemes seem intentionally predatory to cause additional fees to be incurred by unsuspecting customers who may not be sent all necessary and prudent communications about account activity from Wells Fargo nor fully informed about the function of their overdraft services.

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 2024-02-10 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:
According to the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2. It also stated consumer reporting agency can not furnish an account without my instructions under 15 USC. 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. This is in regards to late payments on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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:
According to the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2. It also stated consumer reporting agency can not furnish an account without my instructions under 15 USC. 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. This is in regards to late payments on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
On XX/XX/XXXX I purchased what was supposed to be XXXX XXXX XXXX XXXX from a company XXXX XXXX I received the XXXX and they were not XXXX products, they had no part numbers and were not as described. I reached out to the company to return the item and they agreed to send me a shipping label. I shipped the products back, 2 of the products shipped to an undeliverable vacant warehouse according to USPS tracking, and the other 2 were returned to me stating the other address was undeliverable. I reached out to XXXX and have not gotten a single response or did I receive a refund. So I disputed the charge with my credit card company, CITI, on XX/XX/XXXX. After a month of review they decided that I was held responsible for this charge, so I reopened the dispute and sent them every email, pictures and tracking information stating that both return addresses were undeliverable. I typed a letter stating exactly what happened, it is clear as day that I have truly been scammed by this company and I am now out {$360.00} and I dont even have 2 of the 4 hubs because they are still sitting at a vacant warehouse in XXXX according to usps tracking. On XX/XX/XXXX CITI has stood by their original response and stating I am held responsible for the payment. I am reaching out to you to see if I can receive assistance in this case, I have been a victim of fraud and my credit card company that I have been a loyal costumer to since XXXX is not helping me in my time of need. Thank you for your time.

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 2024-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: OH

Complaint narrative:
I received an email with a statement for debt owed to XXXX XXXX from Hunter Warfield on XX/XX/year>. I called the number listed in the statement to dispute the debt. I also sent a letter disputing the debt and asking for verification to the address listed on the statement vie USPS certified mail XXXX. I have not received any additional communications from Hunter Warfield regarding the verification of the debt. I was sent a statement from XXXX XXXX indicating that I was refunded XXXX and my account balance is {XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: MN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my credit report, it is hurting my ability to obtain credit. They are being reported by a 3rd party that never got my authorization.

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my credit report, it is hurting my ability to obtain credit. They are being reported by a 3rd party that never got my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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 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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Received letter in mail congratulating me on a pre approved credit card and {$100.00} gift card. I called the number a the bottom to opt out ( XXXX ) and when I asked to opt out they refused and hung up on me three times. The second time they gave me a fake number to call and they received my first name and address thinking they needed it to opt out. 

I called additional numbers but can not reach anyone to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to kindly request the removal of the repossession record by Credit Acceptance Corp ( Account # XXXX ) from my credit report as a goodwill adjustment. Given the recent legal scrutiny of Credit Acceptance Corp 's practices, I believe this action would be a fair resolution. Additionally, the dealership from which I purchased the vehicle, XXXX XXXX XXXX XXXX, is no longer in business, further complicating my situation. I hope to resolve this matter amicably and avoid escalating it by reaching out to other parties involved in the lawsuit against Credit Acceptance Corp.

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Account was Discharged in Bankruptcy XX/XX/2023. Apple Card is refusing to update my account information with XXXX after several credit report disputes with XXXX. Account shows a balance & late payments after bankruptcy. Creditor is violating Bankruptcy Code and the permanent injunction provisions by reporting negative information. Please update the information as stated by law or delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: CA

Complaint narrative:
I am filing this Complaint because I sent the following letter to ALL Credit Reporting Agencies... On XX/XX/XXXX " As a Federally protected Consumer I am now exercising my right to opt out of all authorization, I, the Consumer, may have given you ; written, unwritten, verbal, and non-verbal. 
You are in violation of my Privacy Rights for sharing my personal information i.e. credit reporting with non-affiliates per 15 USC 6508 i.e. obligations in respect to the disclosure of personal information and 16 CFR 313 Privacy of financial consumer information.

You are in violation of my Rights pursuant to 15 USC 1681 ( b ) needs written permission from consumer to disclose personal information i.e. credit reporting.15 USC 6802 ( b ) Non affiliate third party cant disclose information to.

Per the Privacy Act of 1974 and 15 USC 6802 I request that ALL Charge-offs be removed now because they are certificates of indebtedness, which means it is considered income and must be removed. 

Regarding these violations, I am requesting that you update ALL accounts to Paid as agreed in accordance with the Fair Credit Reporting Act & 15 USC 1681 all reporting across credit bureaus have to match I may be entitled to under 15 USC 6508, 15 USC 1681 ( b ), 16 CFR 313.7 ( f ) Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? 

I request that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at XXXX who verified the dispute with the original creditor. 
Remove any Student Loans reporting in violation of Family Educational and Privacy Act of XXXX '' I would like to note for the Record that on XX/XX/XXXX I discovered that my identity had been stolen by receiving a XXXX report that had my social security number but the wrong drivers license for an inquiry dated XXXX XXXX : XXXX XXXX behalf of XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: GA

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