vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I lost my Debit card. I last used my card XX/XX/2023 at earlier for {$30.00}. I realized I lost my card on XX/XX/2023 when I opened my online banking I called customer service to order a new card. I then became aware of lot of unauthorized transactions that had been done while my card was lost. I realized I lost my card when I opened my online banking and saw the unauthorized transactions on XX/XX/2023.I then became aware of few unauthorized transactions that had been done while my card was lost. Those transactions actions were XX/XX/2023 amount {$2100.00} XX/XX/2023 amount {$860.00} XX/XX/2023 amount {$460.00} XX/XX/2023 amount {$2.00} XX/XX/2023 amount {$2100.00} XX/XX/2023 amount {$37.00} XX/XX/2023 amount {$100.00} XX/XX/2023 amount {$520.00} XX/XX/2023 amount {$1200.00} XX/XX/2023 amount {$110.00} XX/XX/2023 amount {$540.00} XX/XX/2023 amount {$160.00} XX/XX/2023 amount {$43.00} XX/XX/2023 amount {$13.00} XX/XX/2023 amount {$4.00} XX/XX/2023 amount {$13.00} XX/XX/2023 amount {$58.00} XX/XX/2023 amount {$240.00} XX/XX/2023 amount {$230.00} XX/XX/2023 amount {$220.00} I was filed a claim when transactions are still pending and after two days they denied my claim and forcing me to accept that you made the transactions I filed a dispute on XX/XX/2023. On XX/XX/2023 I was said by the bank that my Dispute was denied. How could they investigate my dispute in less than 2 days I'm very hurt and offended and live on a fixed income. I have made several calls and attempts to rectify this situation. The bank still refuses to credit my account due to this fraud. will you please help me? The transactions was made in my Texas I live in CA hows that possible, Please help me getting back my money. Claim reference no : XXXX Bank WellsFargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: FL

Complaint narrative:
i have paid off most of my credits cards and the companies are not removing the late payment reports and it is hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This bank lost my {$4000.00} Cashier 's Check that I mailed to their physical address via XXXX Registered Mail on XX/XX/2023, received on XX/XX/2023 and signed for by a XXXX XXXX on XX/XX/2023 at XXXX. This bank has absolutely no clue what happened to my check. I opened a case. I asked for a full investigation. I asked this bank to ask XXXX XXXX what he did with my check after he signed for it. This bank claims they fully investigated this matter and closed my case. The {$4000.00} is still owed.

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 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/2023 I contacted Chime member services to let them know I needed to file a dispute for unauthorized transactions. I spoke to 4 different member services reps that refused to even initiate the dispute. Finally, the 5th one started the dispute for me, one day later my dispute claim was denied, which should have never happened. On XX/XX/2023, I was assaulted, my debit card, car, and personal belongings were stolen from me. The same morning 10 minutes after the incident happened, I filed a police report. I was XXXX XXXX XXXX to my local hospital  due to injuries sustained during the assault. I was in the hospital  from XXXX, for one week I was XXXX due to the injuries I sustained. I sent Chime the police report, arrest report, my hospital admission paperwork, and my discharge paperwork from the hospital multiple times. I have records where member services and the dispute department is saying it was my fault I was assaulted and had my stuff taken. I will be presenting all this information to my lawyer since Chime can't seem to take it seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: CA

Complaint narrative:
I had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: LA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under the 15 USC 1681.

TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts. 

XXXX XXXX XXXX - XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX TransUnion XXXX -XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: TX

Complaint narrative:
I had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: MO

Complaint narrative:
This is my 3rd request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, MO XXXX , XXXX XXXX XXXX XXXX XXXX, MO XXXX , XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$0.00} , XXXX XXXX Balance : {$420.00}, XXXX Balance : {$400.00}, XXXX XXXX Balance : {$300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 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: MO

Complaint narrative:
This is my 3rd request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX , XXXX XXXX XXXX XXXX  XXXX, MO XXXX , XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$0.00} , XXXX XXXX Balance : {$420.00}, XXXX Balance : {$400.00}, XXXX XXXX Balance : {$300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SD

Complaint narrative:
I called XXXX XXXX and told about my situation. Originally I thought it was identity fraud, but really it turned out to be XXXX 's fault in where they failed to transfer something on their part which caused a ghost amount of money to be accrued. They told me that there were 2 sub levels on my account. When I merged the 2nd sub level to the 1st sub level, it caused a device forced buy out which was where the debt came from. But when I talked to a XXXX representative and they checked the merge they saw that the agreement of the phone, XXXX XXXX XXXX XXXX, was not transferred over. I tried to work with the representatives as they continued escalating the case, but in the end they could not deal with it. They told me they keep voice logs of every customer service call, so if you investigate my phone number and their logs you could probably see and listen to the conversations I had. There should be enough evidence if you check from XXXX 's side that the debt I owed is falsified. I also have the escalation number which is XXXX and the call reference number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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:
i have paid off most of my credits cards and the companies are not removing the late payment reports and it is hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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:
i have paid off most of my credits cards and the companies are not removing the late payment reports and it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: NV

Complaint narrative:
I received a copy of my credit report the the intention of trying to improve my credit and I have ran into an account that does not belong to me. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 a person should not furnish any information relating to any consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if 1 ) information is in fact inaccurate Accounts Name Radius, global solutions Account number XXXX Please investigate if every piece is correct if not, please remove it from my credit report Account Name XXXX XXXX CO L Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: NV

Complaint narrative:
I received a copy of my credit report the the intention of trying to improve my credit and I have ran into an account that does not belong to me. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 a person should not furnish any information relating to any consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if 1 ) information is in fact inaccurate Accounts Name Radius, global solutions Account number XXXX Please investigate if every piece is correct if not, please remove it from my credit report Account Name XXXX XXXX CO L Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: CT

Complaint narrative:
There is an address thats not supposed to be on my experian and XXXX consumer reports. The address is as follows : I have never lived there in my life. Ive lived at the same address for almost 20 years. Ive already tried to dispute this matter before about this address and they havent removed it. This could possibly be a matter of fraud or id theft. 
I would like the address deleted from my experian and XXXX reports immediately please. According to fcra laws they are required to report ONLY 100 % TRUE AND ACCURATE and this is blatantly not true or accurate. It would be negligent to blatantly leave this false information on my report Address for is Experian : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Address for XXXX is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 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: NV

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 non-monetary relief
Consumer complaint received 2023-04-06 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: NV

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
In 2022 XXXX, My Capital one account got fraudulent money from XXXX. Scammer use my account info to scam money from other individual. as a result, My account was closed and money was disappeared ( including my money ). I called capital one serval time to resolve this. They think i'm the scammer. refuse to open new account. The money was reversed to victim and i'm left with bad credit score and lost money. I don't like to ask for the money to be reimburse. I want just checking account to pay my credit card bill that i have in Capital one.

Company response to consumer: Closed with explanation