vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Credit bureaus stated " my account was properly investigated '' but I'm not sure if that is accurate if the open date, last reported, comments, and date last active are inaccurate. I have attached snippets of 3 different items across all 3 credit bureaus that are clearly inaccurate. This is simply ground for removal. 

The Credit Bureaus also violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions. 

The Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 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: GA

Complaint narrative:
Dear Sir/Madam : I contacted my " Capital One '' XXXX XXXX after receiving alerts on my account ; of charges denied due to lack of funds. I reported the findings &, received a letter stating funds from unauthorized charges would be credited back. Told to destroy card & new one would be mailed. New statement showed new charges ; which I also reported. I was recharged for the previous charges because they said card was in my possession, & were face to face transactions. Explained no one had permission to use my card for any of these transactions, & I was hospitalized for two charges, and I am homebound.. How can I find out who completed & attempted these transactions.What actions should I take to get reimbursed for these fraudulent charges. 
How can I protect myself & others against the fraudulent claim regarding {$0.00} liability against fraud which obviously didn't work in my behalf & I. am certain I'm not the only victim ..... I also use. the RFID card protector sleeves for my credit cards since they are suppose to offer a measure of protection.. How do I correct these " POP 's ''? ( Pile of Problems )?? I believe Capital One CC Svcs should be investigated by the Georgia Attorney General to ensure that this unconscionable practice isn't happening to other consumers and. they should be fined for each individual transaction they held the consumers accountable for including any interest accrued. They should also be required to pay restitution for the pain and suffering caused to each victim of the fraudsters and a company that chooses to not stand by their widely advertised " XXXX liability '', policy... .And make a payment to a fund or group that serves to protect, educate and make publicly known these undesirable tactics against unknowing consumers... Capital One should be held accountable for their unacceptable practice of doing business ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TX

Complaint narrative:
So I sent a letter off to XXXX on XX/XX/2022. My tracking number is XXXX XXXX XXXX XXXX XXXX. I also sent a letter to Equifax on XX/XX/2022. My tracking is XXXX XXXX XXXX XXXX XXXX. I have contacted them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act XXXX2 USC 1681, I have the right to privacy. According to 15 USC 6802, no financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have had my federally protected consumer rights violated by EXPERIAN on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. EXPERIAN has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included 3 notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification XXXX XXXX XXXXXXXX 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 2022-07-26 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: WA

Complaint narrative:
XX/XX/22 at XXXX received a text message that was suspected phishing. I do not have a Wells Fargo account. 
The text stated WeIlsFargoAIert : on XXXX {$44.00} at XXXX XXXX, Not you? Visit us at XXXX XXXX XXXX? secure The number sending the text is XXXX ( XXXX ) XXXX 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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX ( XXXX ), XXXXXXXX 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 an 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 explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I recently applied for a home equity loan and the credit check showed that i owed XXXX to a company called portfolio recovery. I called the company and they told me the charges came from a XXXX XXXX XXXX. I told them i never applied for or owed such a card. I informed them that the account was associated with an address that i rented back in XXXX for XXXX  months. The purchases were made from a XXXX XXXX XXXX  store back in XXXX my only child was XXXX XXXX XXXX at that point i had no reason to buy toys and games from XXXX XXXX XXXX. I did received calls possibly from them regarding this issue but none of what they said seemed valid or sense to me. I thought the calls were a scam or spam. I told them to send information regarding this .i filled it out and mailed it back to them. I heard nothing from or about XXXX XXXX until i applied for the loan in XX/XX/XXXX. I also contacted XXXX credit and XXXX back that sold the account to Portfolio recovery. I informed XXXX back that i never had any credit cards associated with them and they confirmed that. There representative told me they would take care of this matter but apparently never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I was notified that a decision was made about an application for a XXXX XXXX with American Express. I attempted to contact them to explain that I never requested this, but the hold time was too long. 

On XX/XX/XXXX, I received an email stating, " As requested, we've added XXXX to the Additional Card account for XXXX XXXX ( Card ending in XXXX ). '' I later received an email stating, " Your Additional Card Member request has been approved. '' I contacted American Express on XX/XX/XXXX and explained that all of this was fraudulent. I told them that I don't know XXXX XXXX and requested to speak with their fraud department. This was received in my email- ( Our records indicate that either you or an authorized party had contact with American Express regarding the account status on XX/XX/2022 and spoke with XXXX. ) On XX/XX/XXXX, I received the card for this person and immediately contacted American Express to discuss this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 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 XXXX # XXXX, Us Dept of EdXXXX 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 2022-07-26 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 Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Us Dept of EdXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I only have one address that's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I gaining to give an id and bank account letter head for accuracies. I m not connected to any other address. This will be my proof that this is me also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I only have one address that's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I gaining to give an id and bank account letter head for accuracies. I m not connected to any other address. This will be my proof that this is me also

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 2022-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
There was two attempts on two prior purchases that were denied and then out of nowhere these other two purchases come through and they were approved so I disputed them said it wasnt me ai have know knowledge of it. I didnt do it and theyre playing games cant get an answer out of him whats going on my dispute its been forever I told him I said look used to nine today prior purchases before this one I was your proof this one two of them ones for XXXX yellow ones for {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TX

Complaint narrative:
The Credit bureaus stated " my account was properly investigated '' but I'm not sure if that is accurate if the open date, last reported, comments, and date last active are inaccurate. I have attached snippets of 3 different items across all 3 credit bureaus that are clearly inaccurate. This is simply ground for removal. 

The Credit Bureaus also violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.

The Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 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 2022-07-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The Credit bureaus stated " my account was properly investigated '' but I'm not sure if that is accurate if the open date, last reported, comments, and date last active are inaccurate. I have attached snippets of 3 different items across all 3 credit bureaus that are clearly inaccurate. This is simply ground for removal.

The Credit Bureaus also violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.

The Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have sent several request for Equifax to validate several inaccurate accounts on my credit report and they have yet to respond back to my request within 30 days which is a direct violation of the FCRA. These items need to be removed from my credit report ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I checked back on my account payments, because I thought there was some discrepancy. So I found out they double billed me for {$83.00} once on XX/XX/2022 and again on XX/XX/XXXX, so I called XXXX and the agent agreed there was a double payment so he said they will pay back {$83.00} to my checking account with-in 20 days. I thought I should receive it in a week.

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 2022-07-26 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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX, CA XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK
State: OK

Complaint narrative:
On Saturday XX/XX/2022, I was selling an item on XXXX XXXX  when I fell victim to a scam. The scammer pretended to be interested in an item I was selling and asked to pay using XXXX. They got my email and began sending me spoofed emails from who I thought was XXXX. 
The email stated that the buyer had sent the payment using a business account. As a result, the buyer had to pay an additional fee for the payment to go through. They went on to ask me to upgrade my account and refund the buyer for the supposed upgrade fee. The scam email also pressured me to transfer the funds quickly if I wanted to receive the initial payment. Once I sent the extra funds back, I realized the scammer hadnt sent any money. I immediately called my financial institution, Midfirst Bank, to dispute the charges. I then called XXXX to let them know what happened. I also called my local police department to file a report because the scammer had my address. On XX/XX/XXXX, I went into my local Midfirst and signed the dispute paperwork as well as provided all the documentation from messages between myself and the scammer, all the emails I received, police report, and screenshots of all transactions. The same day, {$400.00} was placed into my account by Midfirst Bank. On XX/XX/XXXX the funds were removed back out of my account without any notice from the bank. I called on XX/XX/XXXX and spoke to a representative named XXXX to let him know that I would be filling this report with the CFPB due to their resistance of refunding these scam payments. He let me know I may or may not be reached out to by someone in the consumer complaint tracking service, but when asked for a number to their department and when I could expect to be reached out to he refused to answer. I believe I should be refunded the {$400.00} due to being a victim of a scam on an app they host and own as well as providing all the documentation that shows it was a scam.

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 2022-07-26 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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXXXXXX XXXXXXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-07-26 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  account # 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 explanation