vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries are FRAUDULENT! I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate, and as such represents a very serious error in your reporting. Ive also filed a police report and attached a FTC report as i have no idea where these inquiries came from. The FCRA also states any fraudulent information being reported on any individuals credit report must be deleted expeditiously. Please respect my wishes as Im a victim. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of fraud with my bank at Wells Fargo Bank. 

Wells Fargo authorized many charges via XXXX over the period of XXXX and XXXX of XXXX that were not transactions made by me. During these incidents, I requested to change my account number, receive new debit cards, be notified of transactions of over {$200.00} and Wells Fargo denied this requests. 

On XX/XX/XXXX, Wells Fargo spotted fraud detection on my account, however authorized 3 XXXX XXXX charges to XXXX for {$4200.00}, XXXX  for {$500.00} & XXXX XXXX for {$2000.00}. ( PICTURED ) The total amount of money fraudulently stolen from my account {$6800.00}. As can be seen on my account, I have never sent money to these people before. As can be seen on my account, I have never sent large amounts of money like this prior to XXXX when I first started reporting fraudulent charges on this account. 

Wells Fargo has denied multiple of these fraudulent transactions, however, authorized many despite my requests and attempts to further secure my account. In one denial, Wells Fargo noticed that a transaction was being attempted from a gosq.com. ( PICTURED ) Upon looking up that website, it is a well known website that can be used to scam. ( PICTURED ) This shows that my information had been leaked and unauthorized persons had been attempting to reach my account and unfortunately, succeeded. Additionally, prior to nearly every fraudulent charge, there are XXXX and XXXX withdrawals and deposits of 50 or less from people I have never sent money to, nor I know. From research, this method is used to scan accounts to fraud. ( PICTURED ) this further Substantiates my claims that my account had been compromised and these are unauthorized charges. 

As of XX/XX/XXXX : I have just noticed that this claim has been closed and I have not received a satisfactory result in the return of the claim. My money needs to be returned. These charges in question where not done by me and my cellular device had been hacked and compromised. If there had been a throughout investigation, you would see these XXXX XXXX and XXXX charges were sent to people I have never sent money to and the phone number associated with those accounts are fake telephone numbers received from apps. In addition, I have never sent that large amount of money to anyone in the history of banking with Wells Fargo. These charges happened multiple times of substantial amounts of money, as described above, and each time I reached out to Wells Fargo to amend the issue because they were fraudulent charges. If I can not amend this issue with CFPB and Wells Fargo, I am considering legal action.

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 2022-05-04 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I raised a dispute regarding a credit card thats paid in full but is still currently showing a balance. I have provided proof of the card payment twice and in disputing XXXX has since decreased my credit score by XXXX points. This is not fair to me nor my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
I still have no access to my funds ( monthly deposits from my corporate pension ) since my current bank bought my checking and savings accounts from another bank. I live in XXXX, XXXX and possess no US phone therefore it is impossible to have e-banking or the XXXX banking app. The only option to access my funds are with the debit card and a valid PIN. To this day, the two PINs I was provided are Invalid PIN. 
Despite earlier promises, the bank finally shipped me my debit card via XXXX on XX/XX/XXXX, however, the bank forgot to send the PIN via a separate post. I received the letter with the PIN finally on XX/XX/XXXX, however this PIN to this day remains Invalid. On XX/XX/XXXX XXXX XXXX tried to help by activating the card and by providing me exceptionally with a temporary Pin over the phone, however that PIN as well has been Invalid. 

Almost all customer support assistants that I spoke to, are very friendly, patient, resourceful and professional. However my problem remains unresolved despite 13 lengthy phone calls after the bank takeover took effect : On XX/XX/XXXX ( XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX, who then passed me to XXXX XXXX XXXXwas disconnected ), XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXXy -was disconnected ), XX/XX/XXXX ( XXXX XXXX & XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX XXXX? ), XX/XX/XXXX ( XXXX XXXX & XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX ) I also made several calls before the merger and was told to wait until after the merger date. 

On XX/XX/XXXX ( today ) XXXX XXXX confirmed that a new PIN will be posted to me. Given that the previous PIN posted to me has been invalid, I do not expect that the new PIN, which I should receive approximately by the end of XXXX, would be any better. I would appreciate any help you can provide me with. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I owe no debt and have good credit. For the past two weeks I've been getting calls from some company, Trans World System. They left a voicemail stating, I have some legal documents associated with my name, social security number and theyre coming to my home/work to serve me. If they cant reach me it at either locations consider it as being notified and the filing will continue. 

Again, I've NEVER heard of this company and I do not owe any debt to be sued for. 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right 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 non-monetary relief
Consumer complaint received 2022-05-04 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: TX

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
The first learned of this debt was an alert from my XXXX account. I have no clue how my name is connected to this I have never visited this dr office. I never had a procedure, never had a examination.

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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo sent info about an account which dates doesnt match the year of inquiries or date month Id like this removed 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 non-monetary relief
Consumer complaint received 2022-05-05 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: IL

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 non-monetary relief
Consumer complaint received 2022-05-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX Funding # XXXX 15 U.S.C 1681 Section 602a states that I have the right to privacy.

15 U.S.C 1681 Section 604a section 2 also states that 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 non-monetary relief
Consumer complaint received 2022-05-04 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: DE

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. 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, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or 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 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Viking Client Services
State: NV

Complaint narrative:
I don't know who this company is, or who they are trying to reach, but I have told them repeatedly that they have the wrong number, and to stop calling me. They still continue to call me daily, multiple times a day. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not disputed anything since XXXX. I called equifax beginning XX/XX/XXXX to take any dispute information out if credit report as it was keeping me from closing escrow on a home. They started a dispute, exactly the opposite of what I told them to do. I have called five times in four days to get it removed. They still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I checked my credit report in XXXX and found a credit card that I had no knowledge of. I contacted the bank and filed a dispute with XXXX online. A month later, XXXX reported that the item has remained unchanged. I called Navy Federal again and spoke with a security representative, who informed me that the account was still under investigation. I also spoke with an XXXX representative who opened up another dispute. I filed an FTC report XXXX. I called Navy Federal again and they informed me that the account was expedited and I would hear back in a week. I did not. on XXXX I was notifed by experian that the account remains unchanged. I called Navy Federal again on XXXX and spoke with XXXX in customer service and XXXX in their security department, only to be told that the account was under investigation, they could not release any information to me, and there was a checking and savings account opened when the credit card was that they did not inform me of. My credit is going down expotentially and interest is accruing on this account as they investigate. I asked if there is anything else I can do and they told me that I have to wait.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had a credit limit of {$350.00} with Amazon XXXX ( XXXX XXXX ). I made a payment of {$270.00} on XX/XX/2022 to bring my balance to XXXX. On XX/XX/XXXX and XXXX I made purchases totaling {$130.00}. On XX/XX/XXXX, I received an email from Amazon stating that my credit limit had been decreased to {$150.00}. Shortly after I began receiving alerts from the credit bureaus stating that my credit score had changed, the limit on one of my credit cards has decreased and as a result my credit usage has increased. I called and spoke to an Amazon representative on XX/XX/XXXX who said that she'd try and request an increase and there would be a soft inquiry on my credit. She attempted an increase request of {$1000.00} and I was denied. She offered to dispute the decision for me but I denied as I felt this would not resolve the matter. I am asking that someone take a look into this matter for me as I feel that the decision to decrease my credit limit was unfair. I have always made on-time payments and this decrease is hurting my credit score, one that I have been working hard to fix. I feel that I am being penalized for using my credit shortly after paying it off. Please assist. Thank you.

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 2022-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is simply unbelievable. Chase is servicing my home loan and I'm completely blocked out at this time from making any payment including additional payment to principal I'm being charged interest on my loan while I'm being blocked out of the account. Chase needs to be fined for this and scrutinized more closely by the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Credit Bureaus stated my account was properly investigated numerous times, but how is that possible when if the open dates are inaccurate, the dates last active are inaccurate and the date last reported is also inaccurate across all 3 reporting credit agencies. This Is Grounds For Removal In accordance with the Fair Credit Reporting Act, XXXX, XXXX, & Equifax Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 These Addresses do not belong on my report : 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 employers do not belong on my report : XXXX XXXX XXXX contracting XXXX XXXX contracting These inaccurate Date of Birth do not belong on my Report : XXXX XX/XX/XXXX And I will attach photos from my credit report circling ALL ACCOUNTS AND INACCURACIES AND VIOLATION that are being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Credit Bureaus stated my account was properly investigated numerous times, but how is that possible when if the open dates are inaccurate, the dates last active are inaccurate and the date last reported is also inaccurate across all 3 reporting credit agencies. This Is Grounds For Removal In accordance with the Fair Credit Reporting Act, XXXX, Experian, & XXXX Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 These Addresses do not belong on my report : 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 These employers do not belong on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccurate Date of Birth do not belong on my Report : XXXX XX/XX/XXXX And I will attach photos from my credit report circling ALL ACCOUNTS AND INACCURACIES AND VIOLATION that are being reported on my credit 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