vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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: CO

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We wrote a check to XXXX XXXX for {$950.00}. Someone got the check and changed the name to XXXX XXXX and the amount to {$18000.00}, and cashed the check. 

The check was cashed on XX/XX/22 by Bank of America, I bank with XXXX XXXX. We have been requesting return of money for 3 months now, and nothing. 

copies of the checks attached This is Bank of America 's case number 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 2022-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Being a recent XXXX  at age XXXX, I responded to a XXXX  notice of payment. I was told I was being hacked and to call my bank, XXXX  XXXX XXXX. I called the number on the back of the debit card and asked for the fraud department.The fraud investigator that someone at my branch had sold my identity and not to trust anyone there. I was also told that telling anyone about this would put my children at risk since the hackers knew everything about us and where my grandchildren went to school. My computers and phone were hacked. Without my authorization, they emptied {$250000.00} from American Express XXXX XXXX XXXX, XXXX XXXX XXXX for {$250000.00} and XXXX XXXX  for {$100000.00}. I have been with American Express for over 20 years and NEVER have taken any money out of that account. The hackers created a new link to a different bank ( XXXX ). All deposits were always done by a linked XXXX  XXXX XXXX account. I was never notified that there was any large activity in my account. The " investigation '' ( without considering a XXXX year history ), found no wrongdoing. The hackers also created an account in my name at XXXX  XXXX XXXX where they siphoned funds from my linked bank accounts to their account. I wasn't notified that a new account was created. I contend that XXXX  XXXX XXXX is culpable in additional activity that came to another {$450000.00}. I have indicated to these banks that I have a police report, FTC number, FBI report, and I have even met with the XXXX XXXX. I am disheartened that an institution such as American Express did not thoroughly investigate the withdrawal of {$250000.00} in a matter of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
Credit Crop is reporting I owe them a total amount of XXXX dollars. After numerous attempts to contact the agency and ask for debt verification and debt validation as well as a sign contract with this agency ( which they were unable to provide ) but instead sent a bill from XXXX. I have reached out to the credit agencies and I am not getting any responses to the discrepancies on my credit reports are reporting inaccurate information as I have never had an account or signed contract with this company. 

This account has come back verified but what actual proof did they verify because they still did not provide a contract I have specifically with this company. I reached out to this company over 30 days ago and have yet to receive a response from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have pulled my report and saw accounts inaccurately reported. I know that credit reporting agencies are supposed to report only 100 % accuracy. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX 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 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been a Capital One bank customer since 2014. I've always had good standing with the bank. Recently I have been the victim of fraud which left my checking account overdrawn with a negative balance amounting to thousands of dollars. Capital One didn't help in any way. They want me to pay back the negative balance without even attempting to investigate the fraudulent transaction. The details of the scam I was exposed to are as follows : I applied for a remote job on indeed. I was approached by XXXX XXXX to be interviewed on an app called XXXX. A person claiming to be a manager at XXXX XXXX supplies sent me a contract with company logo. He then claimed that I need office supplies and equipment to start training. He sent a check for {$8900.00} and asked me to deposit it in my bank account to purchase the required equipment and software. He then told me to wire {$8700.00} to a vendor who will provide the necessary equipment. As soon as I wired over the amount, he revetsed the check. My checking account is now overdrawn and I owe the bank a huge balance. I want to warn others against this scam so they don't fall for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: MI

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A XXXX was filed, but I have not received my copy. 

XXXXXXXX XXXX XXXXXXXX shall remove this charge off from all consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: MI

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A 1099-C was filed, but I have not received my copy. 

XXXXXXXX XXXX XXXXXXXX shall remove this charge off from all consumer reporting agencies 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 explanation
Consumer complaint received 2022-12-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of 2022 I paid for Credit Repair services to remove negative accounts and hard inquiries that were affecting my opportunity for advancement, such as lending for a home. I became educated on consumer laws, E-OSCAR, Metro2 compliance laws. XXXX of 2022 I have spent thousands of dollars on Credit Repair dispute letters, and little impact on the areas that are harming my credit the most. Charge Offs, late payments, hard inquiries - areas that can be considered illegal. I paid off collection agencies without realizing that the debt was taxable income, that it is illegal for creditors to conduct business in a harassing manner all while the debt had been cleared. Paying debt did not increase my score. Hiring a credit repair service has disputed with the agencies, however they are factual disputes versus consumer laws, metro 2 compliance and a plethora of USC violations. 

I have a XXXX Hard Inquiries from this year alone from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - XX/XX/2022 ( none attached to open accounts and not authorized ) I have Late payments from XXXX XXXX / XXXX XXXX Charge Off XXXX / XXXX XXXX XXXX Charge Off XXXX / XXXX  XXXX  Late Payments XXXX / XXXX XXXX  Late Payments XXXX ( disputed still pending )/ XXXX  XXXX XXXX These negative accounts are in violation of Metro 2 Compliance Laws, Fair Credit Reporting Act, Equal Opportunity Act, Consumer Laws, specifically Collections/charge offs/inquiries/collections 15 USC 1681 B ( SECTION 604 ) 15 USC 1681 C-1 ( SECTION 605A ) 15 USC 1681 C-2 ( SECTION 605B ) 15 USC 1666 Correction of Billing errors 15 USC 1681 B permissible purpose of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX of 2022 I paid for Credit Repair services to remove negative accounts and hard inquiries that were affecting my opportunity for advancement, such as lending for a home. I became educated on consumer laws, E-OSCAR, Metro2 compliance laws. XXXX of 2022 I have spent thousands of dollars on Credit Repair dispute letters, and little impact on the areas that are harming my credit the most. Charge Offs, late payments, hard inquiries - areas that can be considered illegal. I paid off collection agencies without realizing that the debt was taxable income, that it is illegal for creditors to conduct business in a harassing manner all while the debt had been cleared. Paying debt did not increase my score. Hiring a credit repair service has disputed with the agencies, however they are factual disputes versus consumer laws, metro 2 compliance and a plethora of USC violations. 

I have a XXXX Hard Inquiries from this year alone from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - XX/XX/2022 ( none attached to open accounts and not authorized ) I have Late payments from XXXX XXXX / XXXX XXXX Charge Off XXXX / XXXX XXXX XXXX Charge Off XXXX / XXXX  XXXX  Late Payments XXXX / XXXX XXXX  Late Payments XXXX ( disputed still pending )/ XXXX  XXXX XXXX These negative accounts are in violation of Metro 2 Compliance Laws, Fair Credit Reporting Act, Equal Opportunity Act, Consumer Laws, specifically Collections/charge offs/inquiries/collections 15 USC 1681 B ( SECTION 604 ) 15 USC 1681 C-1 ( SECTION 605A ) 15 USC 1681 C-2 ( SECTION 605B ) 15 USC 1666 Correction of Billing errors 15 USC 1681 B permissible purpose of consumer reports

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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-09 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: TX

Complaint narrative:
Discover Financial Services Account Opened XXXX High Balance carried from XXXX Minimum Payments met full balance on card paid off on XXXX automated system reduced credit on XXXX from XXXX to XXXX in accordance with CFPB and FTC law no alert was given to myself ( customer ) in any form when action was taken. 

it is also suspect that no automated credit adjustment was taken within the previous years of XXXX until full balance was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: CT

Complaint narrative:
I have been unable to monitor my bank accounts properly for about a month due to hospitalization after car accident. During this time I am not sure who had access to my cards or phone. Upon coming home I noticed that both of my bank accounts had activity in the past month that were not just recurrent payments. I filed a claim with Wells Fargo for transactions from XXXX, stating that my last known transaction was from XXXX from XXXX for an amount of {$10.00}. These small transactions over the month totaled to around {$600.00}. Wells Fargo has denied my claim and I have talked to multiple representatives who all have different reasonings for why it was denied, all of which do not makes sense. One claim totaled XXXX transactions with a total of {$510.00}, another of XXXX transactions of {$120.00}, and a final one of XXXX transactions of {$130.00}. The representatives were rude and disrespectful. I have spoken to all merchants involved who say I need to speak with my bank and that my account with them was hacked. Wells Fargo responded to my previous complaint with the same exact response, which is not a response. " we found compelling evidence supporting the decision that was already communicated to you. We agree with the decision made by the Claims Assistance Center to deny your claim as we found the charges were made by you and no bank or processing error occurred. At this time, we respectfully decline your request for reimbursement. Please consider this claim closed '' Again they do not state the " compelling evidence '' and I'm confused about how a bedridden individual in a different state made these transactions? So I will not be considering this case closed, and I will be taking this to a lawyer if I have to, and continuing to file complaints with the CFPB. They then tried again to call me at almost XXXX XXXX  at XXXX  one evening. Their feedback back was not helpful, and they know that no police station will take me seriously if I walk in. Wells Fargo is losing a customer for sure because I will never trust them with my money again.

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 2022-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
In late XX/XX/2022, I was looking into purchasing a new XXXX phone from their store using their XXXX XXXX ' service, which allows you to finance the purchase of a new phone. As part of that process, I was approved for a {$600.00} dollar XXXX Synchrony credit line. Because the phone was more expensive on the XXXX store than I'd anticipated, I decided to check the internal store for the phone carrier service I have with XXXX called XXXX XXXX. 

I've been a customer of XXXX XXXX for many years. It's a phone XXXX like XXXX XXXX XXXX or XXXX. Inside its app, it features a store for buying new phones and upgrades. The same phone I wanted to purchase through XXXX 's site was available on the XXXX XXXX store for {$590.00} due to a customer loyalty sale. My XXXX credit line is {$600.00}, so I looked into purchasing the phone through the XXXX XXXX store, using my {$600.00} credit line. After several days of ineffective customer support, they eventually told me that I could not use a XXXX credit line to make a purchase from XXXX in the XXXX XXXX store. I would have to use it to buy an unlocked phone from their main store. I can't think of meaningful legal justification for denying me the right to use that credit line to purchase literally the same hardware from XXXX on their XXXX XXXX store as opposed to their main store. 

They've issued me a line of credit but are telling me its only good for use on their products in very limited venues. One of those venues is apparently not the store for its long-time mobile customers. Instead, it seems to be a ploy to solely attract new retail customers who may or may not use XXXX XXXX at all.

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 2022-12-09 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: PA

Complaint narrative:
violating my consumer rights according to 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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 states the item has been verified and belongs to me without showing how item has been verified and the claims it belongs to me when I have NO knowledge of it. Under the FCRA I have the rights to know how its been verified, the investigation information and to ask the credit bureaus to respond within 14 days and resolve.

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 2022-12-09 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:
violating my consumer rights according to 15 U.S.C 1681. XXXX XXXX XXXX  # XXXX XXXX5 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 reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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 states the item has been verified and belongs to me without showing how item has been verified and the claims it belongs to me when I have NO knowledge of it. Under the FCRA I have the rights to know how its been verified, the investigation information and to ask the credit bureaus to respond within 14 days and resolve.

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 2022-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation