vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I was contacted last year around XXXX by Credence Resource Management, I was told I owed them a balance of {$490.00}. I quickly realized I have never had an account with this company and asked them to verify the debt and send over a wet-ink signature of the contract I signed. I did not get this however I did get it reported on my credit file and it has an open account date of XX/XX/2022. I believe this is when they bought the debt and came after me to pay a debt that was already paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08 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: MA

Complaint narrative:
In XXXX of 2022, somebody fraudulently applied for a XX/XX/XXXXXXXX credit card using my name and social security number, resulting in a hard inquiry on XX/XX/XXXX to each of the credit reporting agencies ( XXXX, XXXX, Equifax ). 

I contacted XXXX XXXX on XX/XX/XXXX, they agreed the credit card application was fraudulent and cancelled it. 

I filed disputes with the credit reporting agencies to remove the hard inquiry. XXXX agreed this is identity theft and removed the hard inquiry from my credit report. Equifax, however, said 'this is a factual statement of access ', and refused to remove the fraudulent inquiry from my credit report. ( XXXX asked me to mail in a written dispute ; I haven't yet heard back. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 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

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 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I respectfully ask the CFPB to fully and thoroughly investigate the fraudulent and illegal conduct committed by XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its lead counsel XXXX XXXX XXXX, XXXX. ( XXXX XXXX. XXXX ) and his law firm of XXXX, XXXX, XXXX XXXX XXXX XXXX, for repeated violations of the applicable law, as detailed herein and other violations as deemed proper and necessary in XXXX discretion, not only in my case, but also for any other instances of such predatory and persistent violations of the law, given the fact that XXXX  is XXXX of the largest publicly traded XXXX, engaged in leasing properties to the public. Given the XXXX extent, pervasiveness, and brazen manner with which it has committed these illegal acts, clearly, my case is not the only XXXX, thus fully warranting CFPBs to open a wide ranging case of investigation into XXXX and its more than XXXX affiliated entities operations. 
See attached Complaint Letter and the Exhibits.

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 2023-01-08 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: TN

Complaint narrative:
XXXX XXXX XXXX is not showing correct information on credit reports. The have a XXXX XXXX showing on my XXXX major credit file. They have fail to provide that I was 180 days late to put a XXXX XXXX on my credit reports. The reporting is inaccurate information that needs to be removed. The account was paid in full. The XXXX major Credit Bureaus needs to follow the law and not do what they want to do! People are loosing faith in this system!

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 2023-01-08 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: TX

Complaint narrative:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.

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 2023-01-08 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: TX

Complaint narrative:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: FL

Complaint narrative:
I am currently woking with XXXX XXXX XXXX to dispute inconsistencies with my credit report. I have many items that I did not approve and have disputed but the credit agencies refuse to get a full investigation. It seems that the investigation is one sided. The company replies and whatever they say stands. This is not a complete investigation. XXXX XXXX  in particular has claimed to have sent me information regarding the purchase of a debt I owe yet never provided the receipt to show they sent mail. As consumers were are being used. Our complaints with the CFPB are going nowhere.

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 2023-01-08 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: FL

Complaint narrative:
I have some inquiries I didn't recognize 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

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 2023-01-08 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: TN

Complaint narrative:
XXXX XXXX XXXX is not showing correct information on credit reports. The have a Charge Off showing on my 3 major credit file. They have fail to provide that I was 180 days late to put a Charge Off on my credit reports. The reporting is inaccurate information that needs to be removed. The account was paid in full. The 3 major Credit Bureaus needs to follow the law and not do what they want to do! People are loosing faith in this system!

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 2023-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My Target card was due on XX/XX/XXXX, I went to pay on line, and it.kept saying it was sending me an access code via email, like it dies every time I access my account. I tried several times and didn't receive an email. On XX/XX/XXXX, I got the access code via email on the XXXX try and paid my bill. Today XX/XX/XXXX I get a {$30.00} late charge. I called Target and they removed it. How many people are not calling Target and just payinf.the fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: MO

Complaint narrative:
Following a misleading advertising from XXXX, I requested and agreed to a XXXX subscription totaling {$410.00} made payable in XXXX installment. They make it looks like you pay monthly and i thought i was committing to 1 month subscription. Also they advertise a 3 days cancelation policy. I called to cancel XXXX after the subscription. They replied stating that terms don't apply and sent me to a debt collector RFGI ref # XXXX. There are hundreds of complaints online about XXXX service misleading advertisement. My bank refunded me but i had to pay today again since i don't want my credit score to be impacted ... is there a way to fight them and at least to protect future customers?

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 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello. I have had the Capital One Quick Silver XXXX XXXX for awhile. Every year there is a {$39.00} annual fee. I got XXXX  and XXXX  of it because all of their commercials including the one most recently playing on TV is about the same exact card I had before I closed it. They told me they couldn't upgrade this account to no annual fee as the purpose of the card was to build my credit. I think that is a bunch of malarkey. I also asked if they could transfer my credit limit under the XXXX XXXX card to my Capital One XXXX XXXX. Answer was no. I am complaining about misleading advertising about the terms and conditions of their cards by saying that " none of their cards have an annual fee '' and that the XXXX XXXX card has no annual fee. AK

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: CA

Complaint narrative:
Dear : Who it may concern, This is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting for information to deleted.

15 USC 1681- ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681- ( b ) Reasonable procedures- It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Remove accounts immediately or I will follow up with an invoice of several violations. 

REMOVE ALL INQUIRIES ALL DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I downloaded paypal for an app to transfer money to paypal, but i realized that i didnt reach the age requirements and my money is stuck in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had XXXX fraud claims. XXXX for an unauthorized money transfer for XXXX. This was due to a fraudulent text saying I was locked out of my XXXX account. This issue was resolved in my favor. The same person who took my money the first time took XXXX out of my account XXXX weeks later. I filed a claim, changed my entire email, passwords. My claim was denied. Theres even an unauthorized number set up for alerts to further prove XXXX innocent. I also have the fraudulent text. I will attach several phone numbers listed under my alerts from both claims that do not belong to me. Furthermore, Bank of Americas XXXX site link to change alert phone numbers is invalid.I dont understand how they same information applies but Bank of America XXXX this claim.

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 2023-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Issues with Wells Fargo from loan application all the way through processing and closing which is now effecting us in payments a year down the road. XX/XX/XXXX we closed. During the process, we locked in our rate during origination and then to be told during processing our rate is allowed to change. We had to escalate up two levels of management because our rate increased and Wells Fargo said that was allowed to happen even when rate was locked in. We were finally after a week of restlessness able to get our locked in rate approved. We also had a few issues during closing, a couple fees appeared shortly before closing that had not been on the closing disclosure before. Those however we ended up paying because they would not remove no matter how hard we tried. I wrote Wells Fargo corporate on the unethical business practices to be told nothing would be done by their complaint department. If I wouldnt have previously worked in the mortgage industry they would have completely been able to take advantage of me. Now in late XXXX we are struggling to pay our mortgage here to find out that our property taxes doubled ( extremely unlikely this being initiated by our county ). Wells Fargo refuses to take responsibility for not accurately having our property taxes on our closing disclosure making our mortgage increase {$500.00} per month for the next year from our original amount. After 12 months we will still be {$300.00} more than originally paying. This is an additional {$100000.00} over our 30 year loan from our closing mortgage monthly payment. No one is able to tell me why or how this happened at Wells Fargo. There were people in the house prior, not new construction, and the previous owners had no special tax savings that could have otherwise affected our property taxes. This would have greatly changed our decision to go through with this home purchase if this would have been the monthly mortgage amount as this significantly straps us financially even without the increase in daily living due to the pandemic. Our mortgage has increased XXXX of the original amount signed at closing. I understand minimal increased based on county tax increasing however our county taxes have not increased. Wells Fargo did an escrow analysis based on the negative escrow balance to find out they missed something during closing.

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 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX XXXX, I deposited a check from my insurance company XXXX XXXX XXXX for {$3900.00} with Chime and now theyre saying they dont have the funds. 

None of the agents know what they are saying, XXXX said I had a 10 day hold and encouraged me to cancel my check and take it into a bank instead. 

They cancelled the check and when I went to deposit it at XXXX XXXX they said the check had already been cashed, this is confirmed by the Accounting Department from XXXX XXXX XXXX and have the email and contact details to confirm. 

The account department said the check was cashed on XXXX XXXX and taken out by XXXXChime , yet Chime is lying now saying they dont have the money!!! 

Someone stole my money!!! I need my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
3 of my AMEX credit cards was closed in XX/XX/2022. I was not late making a payment and I had a flawless payment history meaning I always paid on time. They closed my account without providing me with a legit reason. I would like my membership reward points back for my XXXX Credit Card ending in XXXX and XXXX XXXX ending in XXXX. Those points were completely earned by me and I currently have a platinum card open. I would like my points transferred to my platinum card ending in XXXX please so I can continue to earn rewards and enjoy the benefits of my reward cards. These cards are too expensive. I only got them due to their Amazing reward program. Rewards that has been completely robbed from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

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 2023-01-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX XXXX LT Account XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX A Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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

Company response to consumer: Closed with explanation