vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 items of information or 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 believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I am writing to you regarding the auto loan account that was charged off and subsequently paid off. As per the Fair Credit Reporting Act, violations of 15 USC 1681a, I request that you delete this account from my consumer file at all consumer reporting agencies.

Under 15 USC 1681 ( a ) ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is excluded from the definition of " consumer report. '' According to the Truth in Lending Act 15 USC 1602 ( g ), my social security card, drivers license/ID, and license plate are all credit devices that were used for the extension of credit. Therefore, the auto loan account should be excluded from my consumer report. 

Furthermore, the Gramm-Leach-Bliley Act 15 USC 6802 imposes obligations on financial institutions with respect to disclosures of personal information. According to section 6802 ( a ), a financial institution may not disclose any nonpublic personal information to a nonaffiliated third party unless it provides the consumer with a notice that complies with section 6803 of this title. Section 6802 ( b ) further requires the financial institution to give the consumer the opportunity to opt-out of such disclosure. 

I have not received proper notice from your company nor have I been given an opportunity to opt-out of the disclosure of my nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX was to refund me XXXX for an item I returned. They sent numerous emails saying refund was pending, then they never refunded the monies. 

I disputed the charge, sent evidence to Citibank that item was returned, refund was supposed to be processed but never was. Citibank ignored the evidence and kept my money.

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 2023-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
On XX/XX/2022, I wired through Western Union {$5000.00} to XXXX XXXXXXXX XXXX. This Money was to pay on my mortgage. As of todays date, my mortgage company nor XXXX XXXXXXXX XXXX have received the {$5000.00}. Each time I call western Union they tell me that they will contact XXXX XXXX. When I call back they say that XXXX XXXX is not responding to their request and they have to get XXXX XXXX XXXX response in order to issue me a refund. When I call XXXX XXXX XXXX, they tell me that they dont recognize the Western Union Tracking Number ( XXXX ) nor the Western Union confirmation number ( XXXX ) that was given to me. After three months of going back and forth, I would like your help in resolving who has my {$5000.00} and request a refund. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very upset with Transunion ; I filed a dispute back on XX/XX/2023 via certified mail/USPS. I never received notification from Transunion of the results of the dispute and here we are XX/XX/2023. I called and spoke to a rep in the dispute department on XXXX, XXXX, 2023 and he told me that Transunion hadn't received a dispute from me as of recent which is FALSE because per USPS website, my CERTIFIED letter was left with a represenative or agent who collects the mail for TRANSUNION. Transunion is allowing XXXX XXXX XXXX, Account number XXXX to report incorrect and incomplete payment history on my credit report. There is no full complete payment history but the status says that I was 90 days past due. Transunion definitely dropped the ball and didn't bother to proceed with my dispute. I want this account DELETED immediately.

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 2023-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am disputing fraudulent debt collection that is being furnished on my personal consumer report. Debt recovery solutions is claiming I owe them for a debt but they can not validate any of the debt. I have reached out to them multiple times requesting that they send me any and all supporting documents regarding this alleged debt that I, XXXX XXXX have with their company directly. I have never done any business with them or signed any legally binding contracts with them. I am reporting them for fraud since they are trying to get money out of me that is not owed and they are damaging my credit scores and report which has kept me from getting a job and new apartment due to their lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
In review of my XXXX credit report I noticed that a collection has been reported without any notification for Caine Weiner. I do not know who this company is and why they are violating my consumer rights. They show as opening this collection on XX/XX/XXXX which is in direct violation of the FDCPA Regulation F. This rule was passed in XX/XX/XXXX which clearly states : Actions Which Must be taken Prior to Credit Reporting : Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. This company has not abided by the law! They have just knowingly and willingly placed a debt that I do not identify on my credit file and has hindered my ability to get approval from other lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IL

Complaint narrative:
I had closed my Discover card account. Now I have a lot of credits coming to my account from merchants for returning merchandises, I paid for with Discover card. I gave a specific instructions to have all my credits to be deposited directly to my checking. For 3 weeks I've sent numerous emails to XXXX XXXX XXXX, one of the executives, reporting the problem getting those credits deposited to my checking account and the problem hasn't been resolved. The person, who was assigned to my case, XXXX, didn't return any of my phone calls. When I opened my account file on the website, I saw credit for {$220.00} posted on XXXX and when I called Discover, they didn't have that transaction on their records. Also on the same day I had {$1300.00} deposited to my checking account and then taken back and nobody could explain to me where the money came from, why it was deposited and then taken back and now I ended up having a balance I have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

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 account name : XXXX XXXX XXXX XXXX XXXX  card : Account number : XXXX, XXXX XXXX : Account number : XXXX, Dept Of ED/XXXX XXXXXXXX : Account Number : XXXX, XXXX XXXX XXXX Account number : XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681c . ( a ) ( 5 ) Section States : no consumer reporting agency may make any cinsumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 resonable cause to believe that the information is inaccurate

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Unverifiable bankruptcy reported by TransUnion.

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 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX listed a collection on my credit reports that had been placed with XXXX XXXX XXXX. I requested debt verification and have not received it. I canceled service due to a move and returned all equipment to a local XXXX XXXX XXXX store. I do not owe this debt and demand that it be removed from all 3 credit bureaus immediately. I disputed this previously with XXXX and they stated that XXXX closed the account as disputed by consumer and said that they deleted any tradeline reported on behalf of XXXX XXXX XXXX XXXX XXXX Despite this, it is now back on my credit report. Delete immediately or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Please find the attached document supporting this issue. I had a credit card that ended up with Bank of America in the end, it was with someone originally. This was in XXXX. Fast forward to XXXX, I received a 1099 C 12 years later. I called B of A and they told me that the last payment I made was in XX/XX/XXXX. They also stated tha the file was closed on XX/XX/XXXX. I wrote a letter asking not to amend the 1099 C but to rescind it under the Internal Revenue Bulletin 2016-48 T.D. 9793. That document is attached and from the IRS web site. 
It has the old rules which are that there was a 3 year rule that the 1099 C were to be issued 36 months after the last payment. The new rules which I believe they are using eliminated the 36 month last payment rule in the IRS bulletin. Please see the attached ruling has the old and the new rule. Someone at B of A that sent the letter was not versed in this complicated issue. 
I under the old rules I should have received that 1099 C years ago not 12 years later and the company using new rules. It is hard to be up to date on old rules but this is what my particular situation. I have done my research. Had I got the 1099 C back when I was suppose to I could have excluded this from my income base and the fact the the IRS allows and exclusion based on insolvency. I was at that 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 explanation
Consumer complaint received 2023-03-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2023 I disputed incorrect information on my credit report. Through my CFPB portal it has been 30 days and the reinvestigation is still pending with no results, no verification/validation or physical proof of these alleged debts as requested by me under the provisions of 15 USC 1692 ( g ). Further I have a right to privacy under the provisions of 1681b

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX : Account number : XXXX, Dept Of ED/XXXX XXXXXXXX : Account Number : XXXX, XXXX XXXX XXXX Account number : XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681c . ( a ) ( 5 ) Section States : no consumer reporting agency may make any cinsumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 resonable 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 2023-03-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name XXXX XXXXXXXX  XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 items of information or 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 2023-03-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 items of information or 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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My account was frozen by Bank of America and they stated that I needed to contact federal trade commission in reference to the hold on their account. The agent then stated that it was a federal order for XXXX XXXX and they will hold every XXXX that comes into the account until they reach {$38000.00} that XXXX XXXX is requesting. I explain to them that Ive had issues with this company four years ago and I switched banks because they allow them to garnish my account before now I am stuck with no money because bank of America is upholding this company with fraudulent phone numbers

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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo would not fully refund the XXXX of dollars they charged my account.

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 2023-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to you today to express my frustration and concern with the delay in receiving my funds after I closed my checking and savings accounts with Chime on XX/XX/2023, they told me I would get by check 30 business days later. As of today, XX/XX/2023, I have yet to receive the funds, and after contacting your customer service representatives, I was informed that the check had not cut or processed, and I would receive it by XX/XX/2023. 

More details I called to close my chime accounts on XX/XX/XXXX, they closed my accounts on XX/XX/2023 and said would get my check 30 business days later. I called again on Monday XX/XX/XXXX to ask about a status update, they said I would receive it in by XX/XX/2023. I did not receive it on XX/XX/XXXX, I called them again and spoke to a manager they told me nothing was wrong but my check had not cut or processed and I should have it by XX/XX/XXXX at the latest. 

I do not think this is fair and would like my money back as soon as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This is regarding issue with Ally Bank. I was enrolled into promo in XXXX for 1 % bonus up to {$500.00}. I deposited more than XXXX and kept it for more than 90 days. When I called earlier I was told that bonus will be deposited by XX/XX/XXXX. It has been more than a month after that but I did not get bonus yet. 
I made many calls and chats, wrote several messages to resolve this issue but those were of no help. Neither they are resolving the issue, nor they are providing any timeline to resolve it. 
I would appreciate any help.

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