vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 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: IN

Complaint narrative:
Back in XX/XX/2021 AFTER COVID!! I ran my report and noticed that an account for XXXX XXXX was opened! Well I immediately called and reported it. Had account closed! Well now XXXX XXXX years later Im thinking it is off my report and just couple days ago they report it as a charge off for XXXX XXXX yrs later after I called immediately when I seen this was on my report! This was to be taken care of and I was insured that I would not be responsible since I DID NOT DO THIS! As much fraud that went w/CovidSomeone used my information from that XXXX store to obtain an account. We left the store and didnt even get phones!!

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 2023-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is the second complaint I am filing, The first one was closed case XXXX. I left a comment, however your agency closed it without investigating and took the word of Webster bank over the actual problem. 

I have a XXXX XXXX Account. I entered an expense to get reimbursed on the phone app. The next day it appears twice, once processing ( which I received the money ). but then it lists the same expense to be reimbursed a second time ( a duplicate ). I would have to click on a button to get reimbursed a second time. I have been careful not to. And I made the company aware every time it happened. 

Expense for {$150.00} entered in phone app on XX/XX/2023 for {$150.00}. On XX/XX/2023 the account under " manage my expenses '' shows the expense I entered and that it is currently processing. But it creates a duplicate that would allow me to click and get reimbursed ( over reimbursed ). 

I have brought this to the attention of the company every time. First they blamed the pharmacy for doing it, then they blamed my insurance company for doing it. Both times during investigation by the company, they realized neither was true. After getting no results of a fix to their systems I filed the complaint with your agency. The company Webster Bank then replied to your agency that it was my fault and I was entering it twice and it was not their fault. This simply is not true, and you took their word for it. It has now happened again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: DISCOVER BANK
State: MD

Complaint narrative:
I keep getting calls from multiple credit card companies however, Im only XXXX I never have filed for a credit card and now my score is the low Somebody stole my Social Security, and has been using it racking up credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 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: MI

Complaint narrative:
XXXX reports a balance that is XXXX ( XXXX ) times what it should be. Balance should be around XXXX  ( XXXX ) XXXX dollars for this account/trade line but is reporting with a balance in excess of XXXX XXXX XXXX XXXX XXXX XXXX dollars to XXXX, XXXX, and TransUnion XXXX XXXX has also failed to send billing statements to correct address and thus has not provided me with statements consistent with CFPB interpretation of Regulation Z. While statements may be alleged to be available online, I am a XXXX individual that suffers from XXXX that leads to periods of photo- and phono- XXXX making it difficult ( and painful ) for me to retrieve statements online during episodes. As such, I rely upon paper 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 non-monetary relief
Consumer complaint received 2023-08-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX reports a balance that is XXXX ( XXXX ) times what it should be. Balance should be around fifteen ( XXXX ) XXXX dollars for this account/trade line but is reporting with a balance in excess of XXXX XXXX ( XXXX ) XXXX dollars to XXXX, Experian, and XXXX XXXX XXXX has also failed to send billing statements to correct address and thus has not provided me with statements consistent with CFPB interpretation of Regulation Z. While statements may be alleged to be available online, I am a XXXX individual that suffers from XXXX that leads to periods of photo- and phono- XXXX making it difficult ( and painful ) for me to retrieve statements online during episodes. As such, I rely upon paper 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 2023-08-05 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: MI

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on XX/XX/2023. Equifax is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. XXXX came back stating XXXX XXXX finewise/opploans, and XXXX XXXX XXXX XXXX  is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. XXXX stated upstart, XXXX are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all XXXX credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct. I have not supplied proof under doctrine of estoppel by silence. XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no debt, no therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: MI

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on XX/XX/2023. XXXX is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. XXXX came back stating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. Experian stated XXXX XXXX are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct. I have not supplied proof under doctrine of estoppel by silence. Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no debt, no therefore any such debt, in fact exists.

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 2023-08-05 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: NE

Complaint narrative:
Billed for services/products not received. 
XXXX XXXX, XXXXXXXX XXXX  {$340.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Previously filed for credit. No response except for reverse billing. No evidence, documents, receipts or product provided. 
Clearlky, FRAUDULENT charges but Citibank is in control and the card holder is at their mercy, charges, and penalties in disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
I had purchased a Vanilla Visa {$500.00} gift card from XXXX on XX/XX/23. When I got home, I noticed the card was tampered with. I called Incomm to set up a dispute. They asked for pictures of the front and back of card as well as receipt. I sent that to them on XX/XX/23. They said it would take 30 days to resolve. It's been 60 days and I have not heard from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: LA

Complaint narrative:
Chime bank didn't give me the chance to repay the neg balance before closing my account. I'd just gotten out of XXXX XXXX XXXX XXXX and updated my info on chime account and they closed it. I sent them a copy 9f my letter of XXXX. 5hey didn't give me the chance to pay the neg balance. I have a credit builder credit card w {$700.00} bucks on it. After My XXXX  was stolen I called XXXX  get a replacement card and they will not send me my card w my money on it. I've done e very thing they've asked me to do but they give me the run around. Please help me re over my credit card. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
This company is constantly reporting inaccuracies on my credit report monthly. I have contacted them about this account and their inaccuracies. The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies . By this company reporting immaculate information on my account, this has prevented me from moving forward to purchase a home. This account needs to be removed from my credit report. My credit laws are being violated and I want this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-05 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This complaint is against Wells Fargo. I notified Wells Fargo through Credit Disputes being filed against them, for fraudulent Credit Inquiries placed on my XXXX Credit Report by Wells Fargo. Proper Paper Work was filled out and turned in months ago, due to these fraudulent Credit Inquiries being placed on my Credit Report through Identity Theft -- - in which Wells Fargo is well aware of. Wells Fargo still has not removed the following Credit Inquiries from my Credit Report by notifying XXXX. Paperwork on my part has been completed for months. 
I am asking Wells Fargo ONCE AGAIN to notify XXXX to immediately remove the following fraudulent Credit Inquiries from my XXXX Credit Report. The identity thief or thieves have controlled my Wells Fargo accounts since the 1st week in XX/XX/XXXX, and basically continue to do so. And I am asking Wells Fargo within my FCRA rights -- to mail me the complete Credit File on each Transaction / Credit Attempt which resulted in ( 4 ) remaining Fraudulent Credit Inquiries on my XXXX Credit Report. 

Fraudulent Wells Fargo Credit Inquiries to be removed from my XXXX Credit Report. 
-- Wells Fargo -- XXXX XXXX XXXX -- Wells Fargo -- XXXX XXXX XXXX -- Wells Fargo -- XXXX XXXX XXXX -- Wells Fargo -- XX/XX/XXXX XXXX XXXX XX/XX/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 2023-08-05 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: IN

Complaint narrative:
Back in XX/XX/2021 AFTER COVID!! I ran my report and noticed that an account for XXXX XXXX was opened! Well I immediately called and reported it. Had account closed! Well now 2 1/2 years later Im thinking it is off my report and just couple days ago they report it as a charge off for XXXXXXXX2 1/2 yrs later after I called immediately when I seen this was on my report! This was to be taken care of and I was insured that I would not be responsible since I DID NOT DO THIS! As much fraud that went w/CovidSomeone used my information from that XXXX store to obtain an account. We left the store and didnt even get phones!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Back in XX/XX/2021 AFTER COVID!! I ran my report and noticed that an account for XXXX XXXX was opened! Well I immediately called and reported it. Had account closed! Well now 2 1/2 years later Im thinking it is off my report and just couple days ago they report it as a charge off for XXXX.2 1/2 yrs later after I called immediately when I seen this was on my report! This was to be taken care of and I was insured that I would not be responsible since I DID NOT DO THIS! As much fraud that went w/CovidSomeone used my information from that XXXX store to obtain an account. We left the store and didnt even get phones!!

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 2023-08-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Creditor file XXXX this changes the status from charge off or debt to ordinary income. Income doesn't get reported on my consumer report so the reporting of a charge off on my report is illegal because it is income.it is no longer debt once the XXXX is file it has changed to income. 15usc 1681b accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the info concerning the individual about whom the report relates.

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 2023-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery refuse to update account with XXXX credit bureau even though they promise to remove a debt I did not have with them. I was never shown a validation letter. I paid and settled account with portfolio recovery because they were purposely reporting incorrect information as far as debt owed. Portfolio recovery continues to submit inaccurate information not updating the letter of settlement although they are not original debt. The have been stalking my account since XXXX with no permission because my credit profile was locked. When I complained they deleted inquiries dating back to XXXX to cover the paper trail. XXXX XXXX knowingly took a settlement amount from me when I was already deleted on XXXX and XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Ive had Chase for over a decade. There have been problems here and there but weve managed to fix them no problem. Now it seems they seem intent on charging me fees to the point of having to close my credit card account and tank my credit score in the process. 

I opened a credit card with them in XXXX. It has a $ XXXX limit. I admittedly havent been able to pay off the entire amount due to the financial stress of the pandemic economy but I have been making my minimal payments on-time and been paying down when I can afford to. 

In the last few months, however, Chase has decided to add an additional fee to my credit statement named a Purchase Interest Charge, that has not be present since I opened the card. This new charge has not only put me over my limit each month but has increased my monthly payment by {$28.00} ( an increase I can not afford at this time ). I received no notice of this change and have been told by a rep that this is a standard practice. 

In the last 4 months, I have been charged an additional total of {$190.00} on my credit card under this mysterious fee and an additional {$29.00} in late fees having not been able to make the {$68.00} payment. 

I have also noticed that my checking account, I have been charged a Monthly Service Fee of {$12.00} for the past two years, something I never agreed upon when I signed up for the account in XXXX. There are XXXX charges of {$12.00} starting in XXXX ( a total of {$300.00} ). Again, received no notice about this charge. 

I am a regular consumer who trusts my bank to handle my money fairly and in the manner in which we previously agreed upon. Im sickened to think that the place I funnel the entirety of my income into is taking money from me unjustly and without me knowing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: LEXISNEXIS
State: NC

Complaint narrative:
Company is furnishing inaccurate information about my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
Power finance Texas sent me a email saying I applied for a loan and was denied and the email indicated that there is a adverse notice. I have not applied or have given consent to apply for this loan please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation