vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I notified the police on XX/XX/2020, I filed a report regarding credit cards being stolen personal items being stolen, etc. I have contacted the numerous credit cards I have sent them the credit report and I have filed fraudulent dispute. At this time they continue to charge me to the car to continue to stay open even though Ive closed them, I am at wits end I am XXXX and I have tried everything I can. I can not play the amount that theyre stating, I can not pay the minimum which they state I need to pay while its been resolved. I have sent them every documentation that they have requested. I need help

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 2022-10-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/22 my debit card account was charged for XXXX. On XX/XX/22 my debit card account was charged for XXXX. I contacted Chase Bank to let them know that the charges were fraudulent. Initially the cards were closed and the money was refunded. Then, on XX/XX/22 I noticed that the charge for XXXX was back. I contacted Chase Bank on XX/XX/22 and spoke with two individuals one stated that she was the supervisor. She stated that after completing an investigation the charges were deemed valid because XXXX sent documentation stating that my phone number and email address were provided and verified. My XXXX account was hacked by someone so of course they could provide that information. Chase Bank failed to properly investigate the fraudulent charges. I have never been to the state where the XXXX rides were ordered. I also have never given anyone my banking or XXXX account information. The supervisor stated that nothing could be done and that I needed to contact XXXX. I have tried contacting them multiple times with no response. I have filed a complaint against XXXX with the XXXX. IT was Chase 's responsibility to thoroughly investigate and they failed to do so. If they would have done so, it would have been proven that the charges are fraudulent. I closed both of my Chase accounts today on XX/XX/22. However, I would like a refund for the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
Hello 1st. XXXX XXXX XXXX keeps mailing personal information of mine to old addresses that I know longer reside at. 
I have called national credit systems on many occasions to have them remove the old addresses and I have given them my current address and correct phone number and they still keep sending my private information to old addressed. I only know this because my XXXX ex husband resides at the address that national credit systems keeps sending my mail to. XXXX XXXX XXXX has also discussed debt details to my ex husband and this is absolutely not okay. 
2nd. The debt they are accusing me of has been settled with the original creditor. I have sent receipts as well as a copy of my bank statements to national credit systems where they still refuse to remove my debt because I did not pay them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-10-19 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: LEXISNEXIS
State: PR

Complaint narrative:
This is a formal complaint as a consumer my consumer rights have been violated. This is also a formal complaint pursuant to XXXX, XXXX XXXX XXXX LexisNexis XXXX XXXX XXXX XXXX, XXXX XXXX LexisNexis XXXX XXXX Management XXXX XXXX XXXX XXXX 
XXXX XXXX. XXXX United States District Court for the Eastern District of Virginia The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This means that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report it should not be there.

This is a violation. I never gave written instructions to furnish any of the following accounts. 

Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX Bankruptcy - Reference # : XXXX Please provide any original signatures bearing my signature that I consented to this to be reported on my consumer report. 

I've also read information as a consumer eligible under the settlement pursuant to XXXX, XXXX XXXX XXXX  LexisNexis XXXX XXXX XXXX XXXX, XXXX XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. XXXX United States District Court for the Eastern District of Virginia The lawsuit claims that the Defendants failed to timely retrieve and report updates to judgment, tax lien and landlord tenant records such as lien releases, satisfactions of judgments and dismissal of landlord tenant cases and also reported inaccurate and outdated motor vehicle records. Plaintiffs claim that Defendants alleged practices violated the federal Fair Credit Reporting Act ( FCRA ). Defendants deny any claim of wrongdoing.

Plaintiffs also claim, in a part of the case in which the ( b ) ( 3 ) Settlement Class is involved, that Defendants did not properly respond to disputes concerning public record information in their reports and file disclosures. 

This inaccurate information has caused emotionally distressed as I've disputed these accounts for months just to be notified that were deemed to fail in providing any information regarding my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am a victim of fraud ; my checking account was fraudulently invaded by a group who identified themselves as part of " XXXX, '' and my membership was to be charged approx, {$340.00}. 

I immediately called the number to get that amount reversed ... that when the fraud began, I was asked to fill out a form that would solve the problem ; he assured me there would be no problem... was filled out by the " finance officer '' I spoke with filled out the online return, and I was asked by the so-called " finance officer to very the form... it got to the point of refund, and I immediately noticed the error, he directed me to check my account which I did, and the amount of {$54000.00} showed in my balance ... from trying to correct a {$350.00} refund turned into {$54000.00} return, which immediately made the {$350.00} refund a moot point for a minute. That started the fraud in motion. I was robbed of a substantial amount of XXXX, figure amount to be exact. I have documentation and proof of what happened ... this was a severe blow on my behalf I would like to see Chase bear some of this ... as of this date, other than a case number opened, I haven't heard a comment from their fraud because ... filed with Chase XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : Delete the alleged accounts off my consumer report and I demand that they also send me XXXX in remedy for the damages done in puirsuant to 15 usc 1681n they have caused mental and financial distress and a hardship in my marriage.

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 2022-10-19 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: CA

Complaint narrative:
XX/XX/2022 there was a fraudulent transaction of {$1600.00} made on my discover account that I didnt notice till a month later when I went to go pay for that months bill cycle ( XX/XX/2022 ). I was upset that I didnt notice because I have texts and notification alert for every purchase I make for this card and for that purchase I didnt get a single alert. I called Discover customer support and was set up for a fraud dispute. The transaction was taken off my account XX/XX/2022 and I wasnt reminded of it again since then. XX/XX/2022 I go on my Discover account to make a payment when I notice my balance was too high, and for me to notice that transaction was put on my account again on XX/XX/2022. I called there support the XXXX & XXXX of XX/XX/2022, and was told that the dispute was not in my favor because of my activity behavior with XXXX after I got my card replaced, which makes no sense since I never use my discover card to make such large purchases on XXXX. If discover made a true investigation, they would have noticed that Ive only used my discover card once this year to make a single transaction on XXXX of a total of {$58.00}. Any other time was the monthly subscription for XXXX XXXX. XX/XX/2022, the fraud case is being opened up again, I told the person on the phone that I believe my card might of been skimmed at a gas station and that I have to provide some sort of proof. The only evidence I can provide is the invoice of that single XXXX transaction that was made XX/XX/2022. Im extremely confused as to why Discover think that purchase was made with my XXXX account in the first place since I wasnt told if the merchant even confirmed with my information or even my address of Residence. This a poor work of investigation on Discover side.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have made on time payments every month on this account. On XX/XX/2022 I paid the full balance of {$6100.00} which would zero out my account. This company has not been reporting my payments from XX/XX/2022. 

I called them on XX/XX/2022 and was told that they report after 45 days and to contact the bureaus. It has been 4 months since the last update which was in XXXX. 

I have filed disputes through all the credit bureaus and I am waiting for a resolution. 
This has been happening to everyone else as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I contacted Equixfax about account # XXXX and # XXXX which is XXXX XXXX  I have no clue who this company is I asked them how did they get my information and and how and when this was verified to be place on my consumer report they said a back office handles it and could not tell me anything else I have contact them several times because there are several inconsistencies Date opened Last date of activity Its reporting XXXX days late and also collection Equixfax is allowing XXXX  to commit fraud and they are also by not verifying it and communicating the steps of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Someone tried to take out a Venmo Visa credit card from Synchrony bank using my name on XX/XX/22. The denial letter was mail to my old address with the reason being unable to access my credit bureau file ( XXXX ) due to a Freeze. Reference # 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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
DATE : XX/XX/2021 BANK OF CHECK XXXX XXXX CHECK NUMBER : XXXX AMOUNT : {$32000.00} CASHED ATM BANK : WELL FARGO We mailed check to our vendor and it got stolen. the theft cashed the check from WELL FARGO ATM. We report the issue to our bank ( XXXX ), and they were working with WELL FARGO for the issue. However, WELL FARGO closed our case twice. first time, they require additional document, and we gave them all. Subsequently, the require a police report again. We already report the mail theft to the USPS, and they have their own investigation team to work on it. I have the complaint or the claim number. But WELL FARGO insist to have the report!! 

It is incomprehensible why WELL FARGO keep giving us hard time. the person who cashed the check from the ATM have the account information when they use the machine to cashed the check. ALL information is traceable. NAME and the ACCOUNT NUMBER. why it is so difficult to scrutify the person account. 

ALSO, on the check, pay to and the theft name are not match. Correct one is the company name, stolen one is the person name. How can they still allow the person to cahsed out the amount? 

The investigation goes more than 1 years and they still asking for more documents?

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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i have a XXXX a punt thats on my XXXX and experian credit report this account is fraud and it needs to be deleted and blocked, im suing XXXXXXXX for a data breach and leaking my information on the dark web, because of this data breach this has caused a lot of issues with identity theft, i did file a ftc identity theft report about this account please take this account of my credit reports its fraud and someone is using my name

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 2022-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
They called me every day all day long. They call on weekends starting at XXXX. Even on Sundays they start calling. At one point they were using a private number. I am paying for the XXXX XXXX already and this was supposed to be their bank cc. So who am I paying them or the company straight out. The company takes out a payment once a month already. 

This constant harassments is getting ridiculous .... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This is some of the numbers they call from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone keeps scamming money out of my business account and Chase keeps saying nothing they can do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My complaint is against XXXX formally known as XXXX. They have placed erroneous information on my credit profile that I have been disputing with them directly as well as the Credit Bureaus. Today I received an email from them claiming I owe them a debt and have a right to dispute it. However, I have already been disputing this debt since XXXX of 2022. This account came to my attention in XXXX. 2022 as a charge-off showing up on my credit reports. I have sent written letters as well as emails to them awaring them that this account was open fraudulently and that I have no knowledge of this debt. I was told in response that I would have to dispute with the credit bureaus and with the FTC and they would follow-up with an investigation. I emailed them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As well as filing a report with the Federal Trade commission. I delivered the reference number of my report to them ( # XXXX ) via email. Nothing has been done about this. In addition I have pulled my credit report and the data furnisher has violated my consumer rights in accordance with the FDCPA. the data furnisher has failed to mark my account in dispute status, as well as failure to conduct a full and thorough investigation. I have the right to and accurate credit profile. I want this account removed from my credit profile 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 non-monetary relief