vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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: SC

Complaint narrative:
This inquiry does nothing for you, but hurts my credit. Please supply a copy of my request for credit. Please have the name, date, and what was applied for and send to me as you are required if I dispute the information. 

I have several ongoing complaints that have not been resolved concerning the same issues. Not one creditor has supplied me with the information required. Due to the time and lack of information all should be deleted from credit files 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 2023-04-28 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: SC

Complaint narrative:
This inquiry does nothing for you, but hurts my credit. Please supply a copy of my request for credit. Please have the name, date, and what was applied for and send to me as you are required if I dispute the information. 

I have several ongoing complaints that have not been resolved concerning the same issues. Not one creditor has supplied me with the information required. Due to the time and lack of information all should be deleted from credit files 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 2023-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I contacted Capital One and informed the company that my identity had been stolen and someone not by my authority, consent or knowledge made unauthorized transactions to my account as a direct result of my identity being stolen. For my protection of further damages I voluntarily requested the closure of my accounts that were compromised. Today I learned that theres another card baring the transactions of my closed account. I immediately informed representatives that my account with my card number is closed and I do not know where the new account and card number comes from and I do not have the card on file in my possession. I did not apply for a new account/card. I additionally requested a copy of banking statements. I spoke with a representative by the name of XXXX. XXXX took note of the transactions identified by me that were not made or authorized by me. XXXX transferred me to XXXX who was to give me access to temporary credit to my account because my account was closed. XXXX had me explain the conversation with XXXX. Without hesitation I provided XXXX which I was also told was the fraud department all the information I provided to XXXX including informing both representatives of my previous report of identity theft to Capital One including my police report and FTC report upon request. XXXX then advises that he is not the fraud department and transferred me to XXXX. XXXX had me explain to her everything again. I did so. XXXX asked what was I requesting. I informed XXXX of my request to utilize my temporary credit that was placed onto my account per XXXX. XXXX claimed she could not give me access to my funds which I informed her of prior process which this was the report of identity theft. I recently lost a child and today I am well enough to report additional thefts. XXXX transferred me to banking who stated she should not have transferred me there. The phone disconnected while I was on hold. I immediately received an email from Capital One saying my account was investigated and I am responsible for the charges I identified as unauthorized. Although identifying the unauthorized charges and offering law enforcement reports of the theft Capital One did not properly investigate my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NV

Complaint narrative:
I'm sending this complaint to inform AGAIN the Experian and XXXX credit bureaus that I was a victim of Identity Theft. It seems the Experian and XXXX credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX : XXXX XXXX XXXX called today said I owed Check N Go Quick Loan for {$1500.00} and sent letters to my home, which I do not believe ever received. Stated if I did not pay today the offered settlement of {$600.00} - this would go to collections. I paid with my only funds on a credit card, as my daughter is going to college this XXXX and did not want any credit issues. I feel I did not take this type loan and was unemployed for a few months in XXXX. No action against my credit yet was explained. I have confirmation paid email and credit card authorization form was texted and emailed to me. I believe I was scammed today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
The credit card company sent me a letter stating that the credit card they sent me had not been activated and to please so as I should have received it months prior. I had in fact not activated and did so after reading the letter. The card then only worked for a few days and then was declined. I contacted card services and they said my account had been cancelled and to destroy the card, they could not explain why it was cancelled. A few days later I received a letter stating that my account was cancelled because my credit score had dropped to XXXX. I checked and my credit score was as I expected in the XXXX and had not dropped. Im not sure where they got their information but I figured I would rather not do business with a company that couldnt get the facts straight anyway, so I just waited for a bill to pay off the closed account. When I finally got a bill I made attempts to pay online as I do with all of my accounts and their system would not allow me to create an account. I then tried calling in about it but their system would kick me out for not having an account number ( as my account was closed and I destroyed the card per their direction. So I was forced to send in a payment by mail. Apparently the payment was late and they charged a late fee which I disputed and was advised would be escalated and removed. Now I am being told it was not removed because the account was closed and I will be billed again because apparently they can continue to bill on the closed account but are unable to remove any charges as this is their policy. I was told that I will likely be charged again. So this so called policy is just their way of stealing from me. I paid the first {$25.00} fee that I was told would be removed and now I am told there will likely be another fee. I am requesting that the fee be reimbursed as promised and the next fee be waived as I have paid every XXXX spent on that card and their theft policy fees are not something that I should be responsible for as this was all due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: MI

Complaint narrative:
My identity was breached from XXXX XXXX XXXX and I believe my ex husband. 

There are SEVERAL inquiries on my report that I did not make nor authorize and need to be removed. ( See below ) please tell me how to proceed in getting that taken care of ASAP!! 

XXXX  XXXX - Inquiry Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/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 2023-04-29 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I requested a dispute on some transactions, but Chase never made an investigation. These are the charges, they still need to give me a credit for : XX/XX/2022 for {$59.00}, XX/XX/2022 for {$36.00}, XX/XX/2022 for {$110.00} and XX/XX/2022 for {$35.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Funds were slowly being charged in small amounts since XX/XX/XXXX by online gambling accounts. I just noticed it on XX/XX/XXXX. I reported the charges and asked them to go back and see how many there were. There were 184 small charges made since XXXX. 

Since we had called Wells Fargo in XXXX ( because we noticed authorized charges being made from gambling accounts then as well ), we werent checking for these charges because we assumed they were blocked and Wells Fargo was a safe institution to keep our money at. When I found out all of those little charges totaled over XXXX dollars, Wells Fargo submitted a claim. 

6 business days later, I found more fraudulent charges by another gambling company ( XX/XX/XXXX ). At this time, Wells Fargo did not stop the charges or think to contact us when over 78 charges were made to a betting site over the course of 5 days. Again, I was not checking my bank account, as there was a claim already open and I didnt even have access to a debit card. 

When I called to file yet another claim, the employee stated that the other claim was closed and denied and that the reason it was denied was because I didnt report it sooner. Is that legal? To say, too late, you didnt notice fast enough, now its gone? It is XXXX dollars. XXXX dollars is not able to be returned to us. None of those charges were made by myself or my husband. 

There is currently another claim open for another XXXX dollars that was taken while the XXXX dollar claim was in the process of being denied. 

I spoke with a Wells Fargo manager. The manager was kind enough to file a complaint against the claim result but with no guarantee. In what world is this fair? 

I am a XXXX XXXX XXXX and my husband is in XXXX XXXX. We are hardworking citizens. XXXX dollars of fraudulent charges in 4 months and not one alert, not one cause for concern? Now, when we are uncovering how long this has been going on for, they just say no? This is not acceptable. It is our money that we work really hard for. This loss of money does severely impact our financial security. We have kids in daycare. Bills that have to be paid. It isnt right. Please help us rectify this situation. 

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 2023-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT FOR A LEASE AGREEMENT. XXXX IS OWED FOR THE XXXX XXXX XXXX XXXX  TX. THE ADDRESS IN QUESTION IS  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. THIS WAS PLACED IN COLLECTIONS ON XXXX THIS IS NOW UNDER COLLECTIONS WITH COLUMBIA DEBT RECOVERY LLC DBA GENESIS - XXXX XXXX XXXX XXXX WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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:
The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX Banking account was fraudulently opened in my name, using my address and SSN ; however, alternate phone and email information was used. 

As account was being opened ( XX/XX/XXXX ), I emailed XXXX and XXXX and informed the company that these accounts were being opened fraudulently. 

My first statement was received in XXXX and I contacted Bank of America to notify them of the fraud and close the account. I completed a FACT Act Request Form and requested copies of account opening documents. These documents were received and confirmed as of XX/XX/XXXX. 

The account, which has a positive balance of {$170.00} was closed by Bak of America on XX/XX/XXXX with notification sent to me dated XX/XX/XXXX. 

I have made multiple calls to Bank of America Credit Fraud Unit and Legal Order Processing and have had no success in compelling the bank to provide me with copies of these documents for which I have the right to receive. Most recently, employees have encouraged me to seek counsel and direct inquiries to Bank of America Legal Order Processing and Case Resolution Operations ( or XXXX ) as they can see that I have completed the necessary information but they are unable to compel other departments to comply. 

All that I ask is for Bank of America to comply with the FACT Act and provide the account opening information to which I am entitled. I am seeking regulatory intervention so that I can avoid the cost of legal representation, which is a last resort.

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 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: OH

Complaint narrative:
SIMM Associates called the phone number of a relative, who has nothing to do with any of my debts owed and can not help them. They kept trying to get information about me but would not state who precisely they were other than company name, nor what they wanted. The family member refused to give them information and notified me right away. They are not to contact any individuals other than myself regarding this supposed debt ( which, since they would not state what it was, we have no idea if I even owe ) and going forward, they are not to contact me again other than in writing nor are they to contact any other family members of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: FL

Complaint narrative:
This in regards to XXXX XXXX  credit card account ending in # XXXX. 
On XX/XX/XXXX i spoke with XXXX, customer service supervisor at XXXX XXXX. 
She said my minimum payment due by XX/XX/XXXX was {$100.00}. I told her by Bank 's billpay automatically sends {$60.00} ( see exhibit " A " ) I made a payment of {$40.00} over the phone with her making the total due. I am just receiving notification that XXXX XXXX  is reporting me 30 days late. As a result my credit score fell XXXX points immediately. 

This is inaccurate reporting and I need it corrected and my XXXX points restored 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 2023-04-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This in regards to XXXX XXXX  credit card account ending in # XXXX. 
On XX/XX/XXXX i spoke with XXXX, customer service supervisor at XXXX XXXX. 
She said my minimum payment due by XX/XX/XXXX was {$100.00}. I told her by Bank 's billpay automatically sends {$60.00} ( see exhibit " A " ) I made a payment of {$40.00} over the phone with her making the total due. I am just receiving notification that XXXX XXXX  is reporting me 30 days late. As a result my credit score fell XXXX points immediately. 

This is inaccurate reporting and I need it corrected and my XXXX points restored immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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:
This in regards to XXXX XXXX  credit card account ending in # XXXX. 
On XX/XX/XXXX i spoke with XXXX, customer service supervisor at XXXX XXXX. 
She said my minimum payment due by XX/XX/XXXX was {$100.00}. I told her by Bank 's billpay automatically sends {$60.00} ( see exhibit " A " ) I made a payment of {$40.00} over the phone with her making the total due. I am just receiving notification that XXXX XXXX is reporting me 30 days late. As a result my credit score fell XXXX points immediately. 

This is inaccurate reporting and I need it corrected and my XXXX points restored 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 2023-04-29 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:
On the date of XX/XX/XXXX, i filed a complaint with the CFPB in regards to fraudulent inquiries on my Equifax credit report. The complaint number is XXXX, in which the CRA ( Equifax ) stated that the fraudulent inquiries would be removed due to their investigation into the matter. On the day of XX/XX/XXXX, I checked my Equifax report and noticed one of the fraudulent inquiries is STILL REPORTING FALSELY on my credit report. I am demanding, knowing my full rights that the following inquiry be immediately deleted : XXXX, from XX/XX/XXXX. Failure to do so will result in my rights given by the FCRA being violated yet once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: CA

Complaint narrative:
I have attempted many times to remove debt with the companies and no action has been done. I am not responsible for any type of debt on my credit profile and will like it to be removed instantly from my credit report. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/2021 Hard inquires below XXXX  XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX  Inquiry : 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
Consumer complaint received 2023-04-28 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: CA

Complaint narrative:
I have attempted many times to remove debt with the companies and no action has been done. I am not responsible for any type of debt on my credit profile and will like it to be removed instantly from my credit report. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/2021 Hard inquires below XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : 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