vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates
State: MI

Complaint narrative:
PRINCE PARKER AND ASSOCA XXXX XXXX XXXX XXXX XXXX, NC XXXX still has not validated this debt. I have provided information multiple times via mail at their address on my credit report certified mail and via email. XXXX removed from my credit as required but XXXX and XXXX have not and neither has the creditor. The creditor stated in CFPB complaint XXXX that they received my communication to cease and desist but did not send me debt verification. This is illegal. I am not required to provide them my email address or communication only via email when USPS certified mail is my form of communication. This must be validated or I will proceed with legal action. It must be removed from my credit reports ALL OF THEM until that happens. It has been XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
2 months Chase credit cards decrease my credit limit on 4 credit cards making my balances 90 % of credit limit which made my credit score dropped by XXXX points. I made my payments on time 100 % of the time. I called the company and they said they will get back to me. Never did. Every time i called them, they send me from one department to another without a chance of speaking anyone about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On Friday XX/XX/XXXX someone on social media offered to send me XXXX weekly and i would send XXXX to another person via another banking app, they sent me an email of a check and i did mobile deposit, at the time only a certain amount went into my account so they told me to just send that. Everything seemed fine and then a couple days later we did it again but right after i completed the mobile deposit my friend brought up the idea that it could somehow be a scam and i didnt think it would be because i was receiving money but i didnt send anything and called my bank ( wells fargo XXXX to try and cancel it from going all the way through and explaining how it could be a scam. The lady told me it was fine and i could just cancel it once it goes through, that was not the case whatsoever, wells fargo closed my accound and left me with an overdraft fee of {$400.00} which i ended up going in person to the bank and trying to fix all of this but they made me pay the {$400.00} And now i cant open a checking account with other banks and i just turned XXXX i need a checking account and to have good credit how do i dispute this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My Rights Violated Under Fair Credit Act ( 15 U.S.C. 1681 & 1666b ) Account Number XXXX I hope this message finds you well. I am writing to bring to your attention that my rights, as outlined under the Fair Credit Reporting Act ( FCRA ), have been violated. 

Specifically, I believe violations have occurred under the following sections of the FCRA : 15 U.S.C. 1681 Section 602 : This section addresses the requirements for consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information provided in consumer reports. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section pertains to the limitations on the disclosure of consumer reports to authorized parties.

15 U.S.C. 1666b : This section covers the requirements for credit card issuers to provide clear and timely disclosures of important credit card terms to consumers. 

I kindly request your attention to this matter, and I am eager to discuss the details further to resolve the issue promptly and amicably. It is my utmost priority to ensure that my rights are protected under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Rights Violated Under Fair Credit Act ( 15 U.S.C. 1681 & 1666b ) Account Number XXXX I hope this message finds you well. I am writing to bring to your attention that my rights, as outlined under the Fair Credit Reporting Act ( FCRA ), have been violated. 

Specifically, I believe violations have occurred under the following sections of the FCRA : 15 U.S.C. 1681 Section 602 : This section addresses the requirements for consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information provided in consumer reports.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section pertains to the limitations on the disclosure of consumer reports to authorized parties.

15 U.S.C. 1666b : This section covers the requirements for credit card issuers to provide clear and timely disclosures of important credit card terms to consumers.

I kindly request your attention to this matter, and I am eager to discuss the details further to resolve the issue promptly and amicably. It is my utmost priority to ensure that my rights are protected under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
After checking my credit report I found an account listed from Wells Fargo Dillards # XXXX where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I purchased an XXXX watch using my Prime Visa issued by Chase on XX/XX/XXXX and the charge immediately appeared on my account. The band was too small at I returned the watch which was received by XXXX on XX/XX/XXXX. When tracking on line the company first posted that my account would be credited by the end of the month. This date then moved to XX/XX/XXXX, then the XXXX and when going on line today the date was moved again to the XXXX. In communicating subsequently with XXXX via chat I was then informed that the credit wouldnt post to my account until XX/XX/XXXX. Some entity ( XXXX or Chase ) is playing the float with my money and its outrageous. In this case the $ XXXX wouldnt yield much economic benefit but if they are doing this thousands or even millions of times, significant financial benefit would accrue. In todays modern computer era with virtually instantaneous transactions this should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: T.S. Holdings
State: MI

Complaint narrative:
This company sent out a letter stating I still owed them money for rent and they agreed to let me go then sent a letter to my new address demanding payment. XX/XX/2022 {$3200.00} interest, {$140.00} and adding interest causing my credit to score to go down without even negotiating with me. XXXX XXXX XXXX Properties and IQ DATA the collector in their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc
State: GA

Complaint narrative:
Hello, I downloaded an app called bright money. Its supposed to be a credit builder/ finance app but originally I thought it gave payday advance loans. Upon signing up it asked for my bank info ( like most payday apps ) but the problem is doing so signed me up for a membership i know nothing about. So yesterday XX/XX/2023 i was charged {$99.00} for a app i cant even get the initial service i was looking for on, havent used the app, and never agreed to pay for a membership for {$99.00}. I see other post online on XXXX where other people have been scammed as well. Thats how i found this website. That company needa to be shutdown immediately. I want my refund back! Also dont bother reaching out to customer service. You will get the run around from fake automated people who dont respond to your concern XXXX but ends the chat if you dont respond to them I asked multiple times about a refund and the chat team never once responded to that concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing a complaint due to incomplete and inaccurate credit reporting from XXXX since being switched from XXXX XXXX XXXX XXXX XXXX On my account : XXXX I paid {$640.00} balance off on XXXX XXXX XXXX back on XX/XX/23. I was told this would be reported to TransunionXXXX  within 30 days from a customer service rep and it has not been reported. Now I see a credit reporting error that incorrectly shows consolidation of balances on XXXX XXXX and XXXX-which is not reflected on my XXXX account-balances are still separate. This is showing reported to agencies now and shows as an increased balance ( even though no change in balance for XXXX XXXX XXXX XXXX XXXX ) and has lowered my credit score significantly yet. On XXXX website these are still separate $ XXXX balances. I am closing on a new house within the month and need these issues corrected immediately or I am filing a complaint. I never had incorrect reporting with XXXX XXXX. Please advise to remedy this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo account is on credit the address is in California I am in Pennsylvania. I have never opened or used this account. My social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa 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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My vehicle has been paid off since XX/XX/2023 and the credit bureaus have not updated my report causing me to not be able to apply for any type of loan or credit line increases. What baffles me is if it were bad debt it would have thrown on my report immediately. This practice is harming XXXX and XXXX people hindering us from improving our credit. This should not be a practice of the bureaus if its paid off why does it take 60 days to appear as such on my report and I was told several times that it takes up to 60 day but not actually 60 days it would be before they just gave the 50 day window. As I stated the vehicle was paid off in XX/XX/2023 there is no real reason this and to me this is discrimination. 

This is a practice I do not understand and I wouldnt understand the explanation behind it the vehicle was reported paid off by XXXX the lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have challenged Experians reporting of XXXX accounts. ( XXXX XXXXXXXX XXXX ) I wrote experian a USC 15 1681 605 letter letting them know these accounts are a result of identity theft. Experian failed to remove the accounts from my credit report. They verified both accounts. I sent the affidavit I have attached requesting their method of verification. In compliance with USC 15 1681 ( 6 ) ( iii ) ( 7 ) if requested by consumer the CRA has 15 days to provide their method of verification to the consumer, Experian has failed to provide me with any documentation proving these accounts belong to me. Also XXXX had confirmed that the account is a fraudulent account. I contacted XXXX. They have submitted a Univerasal form to pull reporting from all XXXX bureaus. XXXX has removed the account, why is EXPERIAN still reporting this account? All documentation is attached. EXPERIAN is subject of up to {$1000.00} per FCRA violation against me. I will proceed with arbitration if this doesnt get resolved immediately, EXPERIAN Remove both XXXX XXXX XXXX XXXX accounts from my credit profile immediately. You have not provided me with verifiable proof that these accounts belong to me. By law, you have to remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The credit bureaus stated that my file was properly investigated but how is this possible when my personal name and address is not correct. I have already attempted to correct the following issue with credit bureau. 

Incorrect names : XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX ; Incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX ; XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX, Texas XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX This is grounds for removal they also violated my rights under 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 : States a consumer reporting agency agency can not furnish an account without my written instructions. 

Also the credit bureau took more than 30 days to complete my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit 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: DISCOVER BANK
State: MI

Complaint narrative:
My identity has been stolen and Discover Card is part of that as I reported to the Federal Trade Commission this is going on for XXXX months now I sent everything I could send to them as evidence and they denied me XXXX on XX/XX/XXXX I received a letter from Discover Card saying I wanted to back out of the fraud charges that was a big LIE I never said that, as from the beginning the XXXX charges are Unauthorized Fraudulent charges and need to be taken care of the bank and myself are still waiting to hear from XXXX I believe you are as well its almost the 60 day mark and nobody has heard from them I sent paperwork to Discover that they requested they are still denying my claim now they lie on the letter and say I pulled the fraudulent charges against them which I did not but that's what they do I guess just like their false advertising on TV get a discover card today if there is fraudulent charges on your account we will remove them no questions asked that is a huge lie and very deceiving to consumers I think that commercial should be pulled from TV all I want Is charges to come off credit card i did not authorize them and they are fraudulent I Spoke to XXXX on XX/XX/XXXX they want more paperwork evidence I gave them what I have they want new there is nothing new waiting to hear from XXXX I'm trying to save my credit but when your identity is stolen you are treated as criminal very sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The Credit bureaus stated that my account was properly investigated but how is that possible if the balance is in accurate, open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate ( please see attached credit report ). This is ground for removal they also violated my rights under. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section XXXX states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the credit bureaus took more than 30 days to complete my investigations here is my certified mail tracking number. XXXX XXXX ; TransUnion 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 2023-08-05 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: Block, Inc.
State: NC

Complaint narrative:
Ive been recently fighting with CASH APP TO GET MY MONEY BACK!! 
My name is XXXX XXXX and my cash app is XXXX XXXX They keep declining my case and I reopened it XXXX times already lost my phone at the nail salon and came back to the nail salon owner saying that can not find my phone thats when I drove home use XXXX of my family members phone to tracked the item see that its moving and on the way to another city ( XXXX XXXX nc XXXX then it powered off XXXX min later couldnt track it so I filed a police report and now its been XXXX days I gotten my phone back and the thief been using my cash card!! And there are multiple unauthorized charges I keep all my cards on the back in my case!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts # 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 written instructions from the 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