vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX. Withdrew ACH {$61000.00} from our Business account : Day Automatic Transmissions Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX. 
XX/XX/XXXX {$12000.00} XX/XX/XXXX {$28000.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX We are unaware of how they got our account number to set this up. We were a business of only 4 employees and only my husband and myself have access to the banking accounts. 

We noticed the last WD of {$12000.00} and reversed it. There is an additional {$48000.00} that Wells Fargo is REFUSING to dispute on our behalf, as this ACH is set-up on a 48-hour turn around. We have escalated the incident with Wells Fargo and they are still refusing to dispute the charges on our behalf. They provided us a phone number for XXXX XXXX  which indicates they are aware the funds were transferred to a XXXX account. 

We escalated the fraud claim through XXXX. They confirmed the funds were taken and dispersed to XXXX XXXX XXXX via XXXX XXXX This is indicated on our banking history. 
XXXX with XXXX  ( XXXX ) stated Wells Fargo only needs to dispute on our behalf and XXXX can initiate the refund of funds. Wells Fargo refuses. 

Spoke to XXXXXXXX XXXX, customer care, they have initiated a security claim but without an account number, which we don't have access to, a dispute can not be filed. 

We have submitted our documentation to XXXX XXXX financial crimes against XXXX XXXX XXXX in an effort to recoup the funds. I have not contacted them directly yet as I am waiting for a response from XXXX XXXX. 

Company Name : XXXX XXXX XXXX XXXX XXXX 
Entity Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) File Number : XXXX Filing State : Texas ( TX ) Filing Status : In Existence Filing Date : XX/XX/XXXX Company Age : 6 Months Registered Agent : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Governing Agency : Texas Secretary of State Wells Fargo contacts : XXXX ; XXXX ; XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX contacts : JXXXX XXXX XXXX XXXX contacts : XX/XX/XXXX ; XXXX ; XX/XX/XXXX I am certain I am missing some dates, I have been to Wells Fargo multiple times looking for support and not receiving it as well as additional calls that are not generally returned. 

Wells Fargo : did not flag the suspicious large XXXX did not notify the business to verify did not freeze our account when it was reported have not done anything to protect us as their customers We missed the 48-hour window, they have washed their hands of us.

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 2023-06-15 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, I was notified of fraudulent transactions on my business checking account with Navy Federal from the XXXX XXXX. Checking the statements, i noticed transactions from as far back as XXXX. After speaking with my business partners and making sure neither one of them made or authorized the transactions, I called Navy federal and filed a claim. I also went online and searched XXXX contact information and reached out via email and told the rep of the unauthorized transaction. She told me she could see that transactions was not authorized by anybody with my email or name but since it was fraudulent charges that my bank had to go thru my bank to file the dispute which I told her, I just had done. About a week goes by, I tried to login into my business account and it was restricted. I immediately call navy Federal and one of their security reps basically treats me like a criminal and questions the claims that I had filed and did I have somebody else influence me to file the claims. Then she tells me the account is going to be permanently restricted and they would let me know the updates of the claims. I received an email about 2 weeks later that the claims have been denied. Navy federal failed to ever contact XXXX and dispute the claims and denied them off 0 basis. I told them that I can get a police report if needed. Ive attached the email communication between me and XXXX and a photo of all the unauthorized transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: NV

Complaint narrative:
Please help me resolve this issue my rights have been violated my rights Please remove the following : XXXXXXXX XXXX ( closed account ) XXXX *Jpmcb card service ( closed account ) XXXX *Capital XXXX ( hard inquiry ) XXXX * XXXX XXXX bank ( closed ) Ways they have Violated consumer Rights/Law XXXX. 15 USC 1692b Acquisition of location information Not to communicate by postcard not to use language or symbols of any envelope or in the content of any communication affected by mail or telegram that indicates that there was a debt collector is any debt collection of debt XXXX. 15 USC 1692c Without prior consent of consumer given directly to debt collectors or express permission court or complaint jurisdiction a debt collector may not communicate with the consumer and connection of collection or debt XXXX. 15 USC 1681 section 2 Consumer can not furnish account without written permission XXXX. 15 USC 1681 section 602 Rights to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The current issue is causing me significant XXXX and is having a negative impact on my sleep. It is challenging for me to accept this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
Enhanced Recovery Systems XXXX XXXX XXXX XXXX Original creditor. I have never had an XXXX account. I'm sure this should be on another XXXX XXXX XXXX account but this debt is haunting my credit file and causing me not to be able to get an apt now that I am out of college. I never had an XXXX account or any other phone or XXXX XXXX account. My parents still pay my phone bill on the family account for the last 10 years and it is not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: Marlette Funding, LLC
State: TX

Complaint narrative:
Over the past year I have compained to both Best Egg and XXXX about the attached account, where as best egg is impoperly reporting late payments and payment status. I have tried everything to get them to fix this error. Both point the finger at the other, My last letter was sent to transunion on XX/XX/XXXX with not response,, see attached. 

The account listed above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
There's a XXXX Account that I didn't not open or ever have service with and Credence Resource Management has placed a fraudulent and unverifiable debt of {$650.00} on my Credit Report claiming the account was opened XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: GA

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. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: GA

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. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-06-15 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: MN

Complaint narrative:
I was enrolled into a debt management program with XXXX XXXX XXXX in XX/XX/2023. Capital one is one of the creditors on my payment plan and they have been receiving monthly payment from XXXX XXXX XXXX on my behalf since XX/XX/2023. Part of the debt management program rules is that the creditors must stop reporting my account past due but Capital One continues to mark me past due each month. Ive disputed this with the credit bureaus and they refused to correct it and denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OR

Complaint narrative:
I have found an account in collections on my credit report that dates back to XXXX of 2023 that is not mine. The original company that reported it was XXXX XXXX XXXX  which I have not used for over 10 years. The current debt collector is IC Systems trying to get over {$3300.00} that I did not create.

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 2023-06-15 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am a small business owner, I opened American Express ( AMEX ) XXXX XXXX  card on XXXX. At that time, AMEX advertised : Card owner will " earn XXXX Membership Rewards points after {$15000.00} or more in qualifying purchases are made on the Card within the first 3 months of Card Membership. ", in my case, the first 3 months is " from XX/XX/XXXX to XX/XX/XXXX. '' and I spend a total of {$24000.00}. ( The total spend amount and the " first 3 month time frame info '' are from AMEX customer service online chat history. ) I used to call AMEX customer service about points issue, they told me my points is pending, and considering my " first 3 month '' is ending by XXXX, to avoid any purchase return, they will give me points by XXXX which after 3 month of XXXX statement closed. And I accepted and I think that's totally fine. But after XXXX I did not see XXXX points under my account, so I called AMEX/chat with AMEX online customer service for over 5 times, they admit I do spend enough money to get the points and all they can tell me is my points is pending, as long as I pay for the current statement balance, the points will be put into my account. So I did what they asked but never see any points. A supervisor of AMEX said she will open a case for investigation but she never follow up with me. AMEX obviously do not has a reasonable and appropriate grounds to let my points " pending '' for such a long time, it might " pending '' for years. As a small business owner, I tried all my best to communicate with AMEX but on one care about my situation, it makes my life harder I was planned to use points buy air tickets for business trip, save some money and support my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have 2 Fraud acct showing on my credit reports!! I called both a they said they don't know anything about it!! I need them to be removed ASAP!! Its fraud!!

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 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one after many claims still has not sent me my money that belongs to me, they did a closeout check for XXXX cents when my account has XXXX XXXX dollars in the account. I don't see why you guys are saying there fraud when the check is in my name and was deposited to my account. Funds were accepted and then redeposited because the remitting bank wasn't allowed to get back the funds because it was outside capital ones allowable time frame. Now you guys here at Capital One are trying to keep my thousands of dollars and leave me on end with no answers and no info, here are the pictures that show u how much I had and the closeout amount of XXXX as well as my savings which were XXXX cents. I have yet to receive my check for the other amount of XXXX, I'm making a claim today to see if capital one can give me answers and when will I receive my check it's been months and months and nothing has came. Please respond accordingly I need my money capital one can bear a lost like this, but I can't, I need my money sent to me. Thank you again and hope to hear from you soon. My savings account says closeout by check and the checking just says closeout. Where's my check?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: CA

Complaint narrative:
To Whom it May Concern, On XX/XX/2023 I was charged {$80.00} by XXXX printing for copies I made at the public library ending in less than 20 sheets of paper. Today the debits are missing from my account and the money is still gone.

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 2023-06-15 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint without any influence rom any third party party or agency. Please see attached documentation and identification as it contains my complaint and requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: NC

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
Account XXXX : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have inquiries on my credit report that are not of me and Im trying to buy a home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: FL

Complaint narrative:
I have inquiries on the following dates, I have no knowledge of them and they were not authorized by me XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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

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