vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Due to understand Equifax have a incorrect address on file allowing XXXX XXXX LL to report false information an illegally debt have anything know account number show to different amount XXXX XXXX XXXX paid another not have no knowledge of these accounts not just that I had to correct my date of birth to Equifax now XXXX credit report they allowing the same problem false account information due buying my data my personal information to collect a debt with a written statement an signature document an identification number on file provide by law government law they in violation of credit report agency consumer act requirements I requested everything should be removed an deleted from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NY

Complaint narrative:
My credit report stipulates that the credit card company noted my credit card was over the limit by {$38.00}. First off, no transaction should go through if I had a limit ; that's on them! Secondary, they reported this 3 weeks before the next billing statement oppose to contacting me or cancelling the actual transaction. I've had this card for nearly 12 years, never late and they contacted the credit reporting agency prior to the due date of the next statement. I am outraged! This is not the first credit card to do this and it won't be the last because any credit card company will continue to do the same after viewing my credit report. Furthermore, I know the credit cards have increased their interest charges and this notation on my credit report will only lead to the other companies raising my interest rates, denying me any future credit cards as well as lowering my credit score. I've had XXXX lower my XXXX XXXX dollar credit limit to {$2200.00} and they imposed XXXX separate interest rate fees for the same balance on the billing statement while raising my interest from XXXX to XXXX percent. I received no notice whatsoever and while demanding that they forward the statements to me, it took 8 months to do so when I told them I would contact you. They did this in a sneaky way considering everyone has gone paperless in todays world. I have never been late with any of my credit card companies, I have a great standing on my report with all credit card companies being paid on time, never late and they had the audacity to imposed limitations on me and try to destroy my credit. Because of this nonsense I am now a target for anyone who reviews my credit report. It will become discriminatory! They have scarred my name and any time I will need to apply for any card or loan I will be the subject of a review. 
This needs to be resolved immediately because I am not the only one going through this. I've had 2 other credit card companies lower my credit limit while raising my interest rates and imposing a " over the credit limit on my report '' without having any knowledge of such. I wasn't informed! This is an obstruction of Justice and they should be reprimanded and fined. They are all following the same pattern because they are getting away with it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: PA

Complaint narrative:
Hello I previously requested the items listed below to be investigated. According to Experian the accounts listed below were " verified. I then submitted a request for method of verification proof, which I never received. According to the FCRA a credit bureau has 15 days to provide that proof to me and it's been well over 15 days from my request. 

XXXX. XXXX Account number XXXX XXXX. XXXX XXXX XXXX Number 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 2022-12-19 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: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

XXXXXXXX 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 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 of 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 2022-12-19 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: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 - {$150.00} XXXX XXXX XXXX XXXX - {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXXXXXX - {$13000.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX - {$450.00} XXXX XXXX XXXXXXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$290.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$130.00} XXXX XXXX XXXX  XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$75.00} 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 of 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 2022-12-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 - {$150.00} XXXX XXXX XXXX XXXX - {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXXXXXX - {$13000.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX - {$450.00} XXXX XXXX XXXX XXXX XXXX {$710.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$75.00} XXXX XXXX XXXX XXXXXXXX - {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$290.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$75.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
I sent a money transfer and when the email came back it had a name of recipient of the transfer and it was the wrong person and also someone I do not know. I called Chime within minutes of seeing that and explained to them it went to someone I dont know I must have hit a wrong a digit when sending. The agent assured me this was not an issue and the money would be put back into my account and gave me the case number for this issue. The next day i received a denial to getting my funds back and I once again explained to them it went to someone I did not know and i wanted my XXXX back, I had called within minutes of the transfer so they could stop that transaction. We ended up agreeing after over an hour arguing about how I contacted them within minutes once i got their email showing it went to an unknown source they agreed that I would receive a provisional XXXX into my account with 10 days. Today is day XXXX and I just called them back and they advised me that the case is closed and I would not be getting my funds back. I just joined Chime to get away from the big box banks and this is what has happened to me already within a couple weeks. I don't know how this happened but I do know the funds went to an unknown source and I called the within minutes to advise them and they are denying me my money back. I work hard for my money and i cant afford to just throw XXXX into the wind. Basic common protocols. Any other financial institution has you set up recipients and payees for security purpose. This seemed simple and easy enough but look at the results that come with simple easy, Someone got XXXX free from me and I took out XXXX cash within XXXX minutes so I could pay the correct person the money due to them. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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:
following accounts are incorrect, and they are adversely Affecting me DEBT Of ED - 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 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a credit card offer in the mail. It said if I opened the card and spent {$1000.00} in 90 days that I would receive {$150.00}, which would be paid as XXXX bonus points. I opened the credit card in the branch on XX/XX/2022. I completed the required transactions in XXXX. I never got the points. I have called the bank three times with no assistance! 

I believe that Fifth Third is committing Unfair and Deceptive practices for mailing out credit card offers and NOT fulfilling the bonus offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AE

Complaint narrative:
In 2016 it was said that I made an online request for some money. It was not me. NCB management has all they document they need in order to take the collection off, but they are stating I need fraud packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: VA

Complaint narrative:
1 ). I am a natural person, I am a living human being, I have rights under 15 USC 1681.

2 ) .TransUnion is governed by USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed. 

3 ) .According to 15 USC 1681 : I have the right to privacy, I haven't not given TransUnion written permission to furnish these accounts. 

Accounts : XXXX )XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX US DEPT. OF EDUCATION/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 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Date XX/XX/2021 the transaction amount {$8800.00}, we have XXXX account in Bank of America, it is non profitable account .so Bank of America they payed off {$8800.00} for some one, when we contacted with them about this case, they said just we investing .So they didnt make any decision by these case .please we need help from CFPB .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 2022-12-19 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: NY

Complaint narrative:
I am XXXX and a victim of bank fraud. A fraud check was cashed in the amount of {$6700.00} to my account. i am seeking reimbursement due to pending bills. I have waited month now for reimbursement and still nothing!!! I have contacted XXXXXXXX XXXX  claims unit at ( XXXX ) XXXX and my case is always pending with no movement. They said the fraud check was cashed at Bank of America. I need my funds returned so i can cover my bills as i am on fixed income. Please contact both institutions to expediate this issue. I need both banking institutions XXXX XXXX and Bank of America to communicate with each other to solve this problem and issue a refund of {$6700.00} to my account. I have accounts at Bank of America that can be credited also. 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 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX, XXXX, and TransUnion are showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items removed.

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 2022-12-19 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: AL

Complaint narrative:
Equifax, XXXX, and XXXX are showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I applied for a payday loan from moneylion instantcash for XXXX $ and i got approved for the loan but no money never came to my XXXX account now for the past XXXXmonths moneylion tried to take money out my account it literally just happened again today and i feel like that is not fair and also feel like its a scam i know i was only asking for just XXXX $ but i really needed the help and got nothing now being told i owe and i actually get alerts everyday from XXXX stating that moneylion is trying to take XXXX $ out my account can someone please help me with this problem i still would like to receive my payment i never got

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I called Wells Fargo to inform them that I had been overcharged {$1500.00} for services/merchandise I did not receive. The agent informed me that she would be submitting a dispute on my behalf and for me to email any documentation, in which I immediately did. No other information was given to me. On XX/XX/2022 I received a voice mail from Wells Fargo letting me know my claim had been denied. I immediately called back and informed them again that I had not received any service/merchandise for the charge of {$1500.00}. I was asked to submit more documentation in which I did as soon as possible. On XX/XX/2022 I received an email from Wells Fargo stating my claim had been denied however, I was unable to open the attached documents in the email. On XX/XX/2022 once again I called Wells Fargo and was told by an agent that they were still investigating my dispute. On XX/XX/2022 I received a call from Wells Fargo. The agent informed me that my claim had been denied again. I explained to him that I had not received services or merchandise and I was being charged and forced to pay for something I never received. He became loud, argumentative and would not let me speak. I asked him why was my claim denied. He stated because it was submitted as cancelled and not as services/merchandise not received. I informed him Wells Fargo agents submitted the claims on my behalf and I had no control over that. I asked him to resubmit the claim and he said no and refused while being rude and talking over me. It was clear that he had no interest in helping me, cared about what I had to say or cared about being charged such a large amount for nothing. Wells Fargo has since put the charge back on my card and is unwilling to work with me or assist me in any way. I am disputing this charge because I am being charged for something I never received. Whether it was cancelled or not I did not receive anything for this charge of {$1500.00}.

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