vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 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: Experian Information Solutions 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. 

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 2023-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Transfer money to nephew using XXXX through bank accountTruist on XX/XX/2022 Discovered recipient had closed account. 
1. Tried to cancel money transfer. 
Closed recipient, removed name from my account.

2. Called bank.

Told transfer had gone through.

3. Demanded to speak with supervisor. XXXX said need to wait 4-7 business days for automatic correction. She stated nothing could be done until transaction cleared. ( Best of my recollection. I insisted that a record be created of my issue. 
XXXX said ok. Requested a copy was told they do not do that. 
Did not hear from my bank. 
XXXX. Meanwhile, the recipient of my transfer checked with his bank, and confirmed checking account closed inn XX/XX/2022. His bank promised to investigate. On or around week of XX/XX/XXXX my recipient 's told me his bank recommended I contact my bank ( Trust ). 
XXXX. On XX/XX/XXXX contact Truist. Bank representative asked me if I wanted to dispute the transfer. I said yes. She said it would take a week or so and I should call back. 
XXXX. XX/XX/XXXX, I called the bank. Bank representative said no record of dispute being filed. 
She contacted another office to investigate my issue. She said they reported that their files shows that my transaction was completed, the recipient received the funds. I disputed this since the account had been closed. 
The representative then proposed that I contact the person I transferred the money to. At first I agreed, later I decided this would unlikely solve my issue and told her I would file this complaint. 
I have a copy of the transaction receipt with XXXX if it's needed.

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 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My purse was stolen on XX/XX/XXXX XXXX while visiting XXXX, XXXX. I had a Venmo Debit card that was stolen. 3 purchases were made on the card. 
XXXX. {$830.00} at XXXX  ( store # XXXX ) XXXX. {$48.00} at XXXX XXXX XXXX XXXX {$43.00} at amazon I have contacted Venmo on multiple occasions. 
On XX/XX/XXXX I received a credit for {$43.00} and on XX/XX/XXXX they reclaimed the credit. 
I filed a police report with XXXX XXXX on XX/XX/XXXX. 
I am attaching proof of email interaction as well as transaction info.

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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
This company has given many run arounds and puts the blame on me when they have broke the law by double reporting and even gave the debt to another company. They no longer own and have claimed that they still do so. They are extremely unprofessional, never responded to the debt validation letter that was sent to them and overall a shady " company. '' I sent the letter back on XX/XX/22 and heard nothing back, I then got a different letter from another company. I am beyond frustrated and annoyed they that keep claiming to own something that is no longer theirs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a bank account with Wells Fargo for several years. Last year they upgraded the account WITHOUT MY CONSENT and I was not aware and didn't pay attention at that time. The upgraded account had a higher account balance limit. Sometime later, when my account balance was no longer as high as the required limit, they started charging me a monthly fee. I was really surprised and angry about this thus I called to find out the fee situation, then I was informed that my account was upgraded. How could a bank change my account status without even contacting me so that they will have excuses to charge me more money that I was not prepared for? I asked to get the fee to be waived and was told they would only refund me less than half of the fee.

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 2023-02-07 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: IL

Complaint narrative:
XXXX XXXX account number # XXXX XXXX XXXX account numberXXXX XXXX account number # XXXXXXXX XXXX XXXX  account number # XXXXXXXX XXXX XXXX  account number # XXXXXXXX XXXX XXXX  account number # XXXX 15 USC 1681 a ( 2 ) ( a ) ( i ) ( 2 ) ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-02-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX account number # XXXX XXXX XXXX account numberXXXX XXXX account number # XXXX XXXX CARD account number # XXXXXXXX XXXX XXXX account number # XXXX XXXX XXXX account number # XXXX 15 USC 1681 a ( 2 ) ( a ) ( i ) ( 2 ) ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX is INTENTIONALLY incorrectly reporting to all 3 bureaus and in an unethical way. 

Facts : The XXXX Leased XXXX Automobile was VOLUNTARILY RETURNED early, in XX/XX/XXXX. 
XXXX XXXX XXXX took until XX/XX/XXXX to CLOSE the account ( they themselves stated on the phone that this was indeed the date they CLOSED the account out. 
XXXX SOLD the auto at Auction and then accessed a charge to me for around {$12000.00}. which I never agreed was a fair cost to return the leased auto early. 
XXXX XXXX XXXX continually changes the closed date of the account to the 3 credit reporting agencies/bureaus with random RECENT dates to keep impacting my credit to reflect that I JUST RECENTLY allowed an account to default ( the last time they stated the account was closed is XXXX of XXXX! ) or they change the STAUTS of the account to show that the auto was recently REPOSSESSED! 
The automobile was NEVER repossessed, it was never paid LATE, it was simply returned to XXXX XXXX XXXX in XXXX, Texas by me when I informed them that I could no longer afford to lease the vehicle, in XXXX of XXXX. 
I have called and called and disputed and disputed with XXXX XXXX XXXX via phone and mail. I have also disputed over and over with XXXX, XXXX and TransUnion as well. Yet, no one can or will simply report accurately the FACTS and TRUE date the account was LAST PAID ( XX/XX/XXXX ) and the TRUE date the account was CLOSED finally ( XX/XX/XXXX ). 
XXXX XXXX XXXX representative just TODAY told me on the phone that if I will start making payments on the Early lease-break fee they accessed of $ XXXX, that they THEN would possibly correct the dates to reflect accurately. I CAN NOT think that this would be allowed, this is highly unethical collection behavior to purposely report inaccurate dates to try to force a payment 6 years later.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX is INTENTIONALLY incorrectly reporting to all 3 bureaus and in an unethical way. 

Facts : The XXXX Leased XXXX Automobile was VOLUNTARILY RETURNED early, in XX/XX/XXXX. 
XXXX XXXX XXXX took until XX/XX/XXXX to CLOSE the account ( they themselves stated on the phone that this was indeed the date they CLOSED the account out. 
XXXX SOLD the auto at Auction and then accessed a charge to me for around {$12000.00}. which I never agreed was a fair cost to return the leased auto early. 
XXXX XXXX XXXX continually changes the closed date of the account to the 3 credit reporting XXXX XXXX XXXX RECENT dates to keep impacting my credit to reflect that I JUST RECENTLY allowed an account to default ( the last time they stated the account was closed is XXXX of XXXX! ) or they change the STAUTS of the account to show that the auto was recently REPOSSESSED! 
The automobile was NEVER repossessed, it was never paid LATE, it was simply returned to XXXX XXXX XXXX in XXXX, Texas by me when I informed them that I could no longer afford to lease the vehicle, in XXXX of XXXX. 
I have called and called and disputed and disputed with XXXX XXXX XXXX via phone and mail. I have also disputed over and over with XXXX, Equifax and XXXX as well. Yet, no one can or will simply report accurately the FACTS and TRUE date the account was LAST PAID ( XX/XX/XXXX ) and the TRUE date the account was CLOSED finally ( XX/XX/XXXX ). 
XXXX XXXX XXXX representative just TODAY told me on the phone that if I will start making payments on the Early lease-break fee they accessed of $ XXXX, that they THEN would possibly correct the dates to reflect accurately. I CAN NOT think that this would be allowed, this is highly unethical collection behavior to purposely report inaccurate dates to try to force a payment 6 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank of America last sent me response on XX/XX/2023. SAYING THEY ARE STILL TRYING TO COLLECT ON A CREDIT CARD I NEVER HAD, IN the amount of {$3100.00}. I've tried to contact them and do the right thing, but they keep sending me these letters saying I owe this amount and I keep telling them it's not me. This is taking up way too much of my time for no reason and I don't know what else to tell them. I don't have an account number to give them because I never had a card.

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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I opened my account with Santander on XX/XX/2023, I made the enrollment online banking process successfully, I was able to access to the online banking trough the app. But now I cant access trough the webpage on my computer. Im using the same ID and password.

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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have a few incidents with Wells Fargo that they have taken money for overdraft fees, where I have money in my account.

One of the last times I spoke with them, They stated that you don't see your account like we do. I stated that I see my available balance is positive so there should be no charge. 

In the passed month about {$400.00} passed 3 months closer to {$1200.00} over the passed year it has been more than {$1200.00} I have a further complaint, when I opened my account with them. I opened a prepaid secured credit card and the {$500.00} that was put into that account was never put in. 

They sent me a letter saying I opened a credit card with a {$0.00} balance. 

If contacted I will gladly turn over more inforation like printed bank statements.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One used my son 's SSN to report he has an account opened for 6 years, however, that is the amount of time I had the credit card. I requested a card for my son and at the time ( XX/XX/2022 ) was advised by the Capital One Rep that I did not provide the SSN. I told the rep, it I did then I wouldn't want to move forward with the request because I did not want my credit and my son 's credit comingling. The rep ensured me there were multiple ways people could do that and XXXX for the minor was not needed. 
My son is now XXXX and I ran his credit report and found that Capital One reported the card on my son 's credit report and stated the card was opened for 6 years. That's my info. 
I explained that I did not give permission to Capital One to use his SSN and requested they remove the content from my son 's report. They are refusing to make the situation right. They said I didn't need to provide his SSN because they could do all type of searches to obtain the info. If this act was done by a generic person - this would be called identity theft and scamming. Capital One used deceptive practices to obtain this information and I want them to make this right and not cause derogatory impacts to my credit nor my son 's credit. How am I supposed to teach my son to guard his SSN when you have big businesses like Capital One doing whatever they see fit with a person 's SSN - even when it's not provided. In other words, they stole his number and chose to use it for their benefit and I'm very angry about it. 
I appreciate your help with helping to favorably resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: VA

Complaint narrative:
In XXXX with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX 
Account name XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Account Type Individual Charge Card, Soft Inquiries by : 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 non-monetary relief
Consumer complaint received 2023-02-07 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-02-07 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-02-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

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