vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

US DEPT ED # 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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  DP OF EDUC : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DP OF EDUC : # XXXX, XXXX : # XXXX, XXXX : # XXXX, DP OF EDUC : # XXXX, 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
To whom it may concern, I need your help, as I tried to do this on my own by contacting the companies that have my name and account number, which I have never applied for.

I am an identity theft victim and have tried to file an FTC report as well regarding this matter.I even filed a police report.

I have no idea whoever applied to any service under my name. I never shared my information with anybody either.

Is it possible to grab the contract that they claimed I applied for? Because I never did that.

Your help will be highly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: LA

Complaint narrative:
To whom it may concern, I need your help, as I tried to do this on my own by contacting the companies that have my name and account number, which I have never applied for.

I am an identity theft victim and have tried to file an FTC report as well regarding this matter.I even filed a police report.

I have no idea whoever applied to any service under my name. I never shared my information with anybody either.

Is it possible to grab the contract that they claimed I applied for? Because I never did that.

Your help will be highly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the inclusion of certain personal information in my credit report maintained by your company. Specifically, I would like to request that the following information be removed from my credit report : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information in their credit reports. As you are aware, the FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. Section 611 of the FCRA gives consumers the right to dispute inaccurate information in their credit reports and to have such information corrected or deleted. 
In addition to the FCRA, there are several state laws and statutes that protect the privacy of consumers ' personal information. Given the sensitive nature of personal information, it is important that credit bureaus take all necessary measures to protect consumers ' privacy. 
Therefore, I request that you remove the above-listed information from my credit report and confirm in writing that you have done so. Please also provide me with a free copy of my updated credit report. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft because my information was stolen during a data breach. Scammers got access to my personal information including my bank accounts. I am sure that my information was used to open fraudulent accounts and now my reputation if being tarnished with this incorrect information. I have already disputed this account and did not receive any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In my recent complaint I did not dispute the VALIDITY of the account I disputed the ACCURACY of the account. Specifically I stated that the address provided by the Creditor on account # XXXX XXXXXXXX is in fact INACCURATE because I have sent correspondence certified mail to the address and it was returned as UNDELIVERABLE because the company moved without leaving a forwarding address. Your response to my complaint is a violation of my rights because this is my fourth time pointing this out. 

the address being reported by the creditor is undeliverable and unable to forward. therefore inaccurate please remove this account immediately because you are in violation This address is undeliverable : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Freedom Credit Card Charged cash advance fee for a yoga class. 
Incorrectly assigns XXXX transactions a cash advance status Charged over {$100.00} in fees. 

Notification setting of card notification setting intentionally misleading. 
Failed to notify of {$10.00} fees on XXXX occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
First and foremost Ive recently been educating myself in financial literacy and have found out that more than 90 percent of my consumer report has been in violation for the past couple of years. I have made Many attempts to all 3 Agencies via certified mail last year XX/XX/2022 to get back control of my Consumer Report by informing them to Deleting incorrect addresses and informing said Agencies about inaccuracies on my consumer report made by the Persons/Financial institutions Furnishing the Data to these Consumer Reporting Agencies .

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have noticed many unauthorized inquiries appeared in my 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 explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have noticed many unauthorized inquiries appeared in my 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
Consumer complaint received 2023-03-21 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: TX

Complaint narrative:
So Ive been dealing with this since XXXX now and Chime doesnt seem to want to even bother to listen when I keep telling them that I never received both of my refunds back. So I ordered a ticket for electric forest to XXXX and XXXX had double charged me so I disputed it to chime. Now chime took it in and adjusted my balance with a credit. Me not knowing that chime was the one who adjusted I cancelled thinking XXXX refunded one of my 2 {$96.00} payments. So I email chime and tel them I didnt mean to do that and to say it will be reversed in 5 days and that I would have to email again to get it rebuttaled. So I wait and I email them 5 days later and tell them that it went through. The next day or two XXXX refunded one of them {$96.00} payments. By then I had talked to XXXX. I saw my next payment plan price was double and I asked the lady at XXXXXXXX why I was getting double charged and she said that they had refunded both {$96.00} payments to me. So I tell chime about this and they say the will continue to investigate. A few days pass again and I email chime asking whats going on with my other payment that was suppose to come back to me. Now here it is almost XXXX and I still have it gotten my other {$96.00} payment. I sat on the phone with them for 2 hours today and they just dont care about their customers at all. Now its weird also that now the dates keep changing on when I supposedly got these refunds and its just really starting to make me mad. Cause I even talked to XXXX again today and the lady said I was supposed to be refunded two payments both the same price the {$96.00} payments. Ive only gotten one and chime doesnt seem to want to care about my money that I worked hard for. Im a server and we live off tips and this is just really aggravating me especially when Im providing all this proof including todays with the XXXX lady. I have every email and transaction and chat with XXXX all saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
n 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, XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: 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: MA

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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: KY

Complaint narrative:
A check was deposited amount {$5000.00} on XX/XX/ in my account it was cleared and on XX/XX/ bank closed my account and said you will get this money by cashier check in the mail. Now its more than a month and bank is saying that its in review. I want our money back or sent back to the customer. I have the detailed statement we have requested the bank to give our money back as soon as possible but they didn't hear. 

Please help us to get our money back. 

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
n 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 XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For account name XXXX, there is inaccurate information being reported on my Transunion credit report. I disputed the following and was never contacted by Transunion of their investigation : Account Type : Showing Open when its a closed account Open/Closed- This is left blank, however it is a closed account Term : Missing information Status : Missing information Past Due amount that was paid : Missing ( see attached credit report ) For account name XXXX XXXX XXXX there is inaccurate information being reported on my Transunion credit report. I disputed the following and was never contacted by Transunion of their investigation : Account Type : Showing Open when its a closed account Open/Closed- This is left blank, however it is a closed account Term : Missing information Status : Missing information Past Due amount that was paid : Missing ( see attached credit report ) Their is a bankruptcy that is listed as dismissed. According to the Bankruptcy Court 's Clerk 's Office, they do not report bankruptcies to any consumer credit reports. If this is the case, then how did this get reported to my Transunion credit file when it does not show on XXXX & XXXX? 

These accounts should be reviewed corrected/deleted from 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
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XX/XX/2023, I added my wife as authorized used on my Bank of America visa credit card. Bank of America sent a new credit card on my wife 's name ( with same Credit card no and other details ). Now this card was stolen from my mailbox in my apartment. I never received the card. After few days I realized that my credit card has been misused when I checked my statement. I could see fraudulent charges to the tune on {$1500.00}. 

I immediately called and reported this fraud transactions to Bank of America and they opened a claim. Initially they provided the credit back in my card account but then they rolled it back and denied my claim quoting that I have used the card in person using pin. 

I reopened the claim and told them that this is incorrect and that I have never received the card in first place. I even went to Bank of America nearest branch but their representative told me the only option is to call them and they can not help. 

It has been more than 4 months and I have called them several time but Bank has not honored my claim and not doing anything to resolve it. It is lying in research status since then. Please check the attachment. I am long time customer for them and never delayed paying my card bills. Finally I have no option to open this complaint.

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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
All my Credit Cards and Atm Cards do not work with 10 seperate merchants all credidiited the Purchase back to the Card My average monthly card speniding {$150.00} a month then begining XXXX 2023 i made a {$1600.00} purchase at XXXX XXXX then the Same Day XXXX XXXX denied my purchase and my Credit Card said contact Wells Fargo Bank to remove the Hold then Wells Fargo Remove the Hold then 10 seperate purchases all creditid back to the Card My Rent and Utlities are all Auto Pay what if they decline it all My Case Bank Credit Card purchases are all credited Back If 10 years 100 % all merchents aprove my purchase then Wells Fargo Puts a Hold on my credit card and removes the Hold then if 10 years all merchents deny all puchase and credit them Back to the Card is not the banks responsability the Bank will 100 % only say contact 1000 merchents that all deny the card Im XXXX collecting Social Security XXXX and due to my XXXX i cant go outside and if 100 % all merchents deny all my online purchse are 100 % not usable to the XXXX Wells Fargo executive complignt number XXXX Your order was authorizing with your bank successfully, but then being declined by our payment security software. Unfortunately the payment security software is not giving me a definitive reason as to why this is occurring. In this case, we usually suggest customers to use a different card.

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