vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
We made a payment to vendor XXXX XXXX for services of {$250.00} on XX/XX/XXXX for cable and internet. This vendor, was, in fact, not XXXX XXXX but a scam artist/hacker. This payment was taken from our account, fake confirmation emails were sent to his gmail account, but payment was not actually made to the our XXXX XXXX account. 

Once we realized this error, our cable and internet services were turned off, and we had to pay fees to have the services turned back on in addition to our late bill. 

We have spent countless hours on the phone with XXXX and our bank trying to get this sorted out - and even asked XXXX to open investigations into our account being hacked - but they refused. During one phone call to XXXX, we were even able to get the hacker back on the phone ( using my phone while my husband was on the phone with XXXX ) XXXX and listened as they lied and hacked into our account again. XXXX still did nothing, and expect us to pay the full amount owed plus late fees that we do not owe. We were receiving emails ( fake ), that our account was up to date. We are now not allowed to pay our XXXX bill with a card or online due to this, and have to pay in cash at a service center. With regards to our bank- we've been through XXXX disputes with them for this issue, and they will not refund the money - the hacker also used my husband 's bank card to try to make several other payment ( XXXX in total ) on XX/XX/XXXX for the amount 's of XXXX, XXXX, and XXXX. They last one ( not sure of the amount ) was flagged by our bank and thankfully the transactions were reversed. His card was canceled and a new one issued. Both the vendor XXXX XXXX  ) and our bank are aware that hackers have been in our accounts multiple times, but will not refund the money from XX/XX/XXXX for XXXX This scam artist/hacker had our account information from XXXX XXXX, and confirmed all of our information. The confirmation emails and text messages looked legitimate, but they were not. 

While we were working this all out with XXXX XXXX, we were actually able to call back a number we had and get a hacker on the phone and they tried to get more money from us and hacked into our XXXX XXXX account again. Still nothing has been done. 

Due to the payment of {$250.00} not going to the correct vendor ( XXXX XXXX ) our cable and internet was shut off on XX/XX/XXXX. We had to pay late fees and the total due bill, which we thought we already paid, to get services restored. The payment of {$250.00}, had in fact been taken by a hacker.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
This is a continuation of complaint # XXXX. I received another letter from Comenity dated XX/XX/XXXX stating they received my claim and were currently researching it and would take up to 90 days for their investigation. Their first investigation began XX/XX/XXXX for 90 days ending XX/XX/XXXX and now another 90 days to investigate their math error. I detected the error in a matter of seconds looking at my statement. They did refund the Interest charges and late fees but the unauthorized withdrawals totaling {$3000.00} is the more urgent amount they are requested to refund to me. Comenity has since transferred their credit card business over to XXXX XXXXXXXX XXXX  since XX/XX/XXXX and my account was not transferred due to their " investigation ''. I can not afford to have my funds held up indefinitely due to their math error since I live on SS and need that money refunded. XXXXXXXX XXXX XXXX can not issue a new BJs card until Comenity transfers my account over to them. I trusted Comenity with my business and I am very sorry I did. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is reporting a late payment in XX/XX/2021. I have contacted chase and have no record of this late payment. I have sent tall the bureaus several letters regarding this inaccurate and unverifiable late payment reporting on my consumer report. I have stressed how this is affecting my credit and hurting my life. I was never late on this account and I have always paid my bills on time as you can see. Therefore, I do not appreciate no one has corrected this inaccurate information. I have asked all the bureaus for variable proof and have yet to have received proof on how they reported this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I had a open account with XXXX XXXX  for XXXX $ and I ordered my consumer report from Chexsystems and I found out they have this debt in my report and its already paid and I reached out to the XXXX XXXX  to call chexsystems to delete it and I called Chex systems to let them know that the account is paid to delete it from my report both did not respond and now I cant open a new bank account because the false and not correct information chexsystems provide in my report. Please help me and look into it so it can be delete from my report because I really cant open any bank account and thats really hurt me

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 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid off my Capital One Quicksilver Card on XX/XX/23 and the payment posted on XX/XX/23. The balance was {$1400.00} and I received an email confirming the balance posting, taking it to {$0.00}. Today, XX/XX/23, there is an interest amount due of {$27.00}! I called Capital One, ended up having the call escalated to a senior manager that would not remove the charge, siting its Capital Ones policy. Thats the only answer I received after asking why that amount was not included in the total balance owed. Any help would be appreciated since that balance is due on XX/XX/23 and Ive never missed a payment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have contacted LVNV FUNDING LLC on XX/XX/2023 letting LVNV FUNDING LLC know that it, its parent, subsidiaries, XXXX was to cease and desist ALL illegal activities AND to cease and any communication with me in any attempt to collect on this alleged debt. Now, LVNV FUNDING LLC has DISHONORED my demands and Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
LVNV FUNDING LLC is using extortionate means to collect on alleged debt that I do not owe LVNV FUNDING LLC that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. 
This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C.

1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 
I have a right to this information, as its directly associated with the reporting activities. 

Let me be very clear : I do NOT owe LVNV FUNDING LLC and do it have any debt with LVNV FUNDING LLC. 
This is also a NOTICE exercising my rights to prevent the processing of my personal data by LVNV FUNDING LLC Please be advised that providing a memorandum or other statement from your agency, stating that LVNV FUNDING LLC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 
PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA. 
LVNV FUNDING LLC should note that it has now violated me further and has also continued to communicate with me in the attempt to collect an alleged debt by processing my information to XXXX and XXXX althought I explicitly wrote to LVNV FUNDING LLC informing LVNV FUNDING LLC not to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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:
Fraudulent Accounts appearing and Inquiries on Credit Report. 


Inquiries fraudulent accounts and inquiries appearing on credit report. Inquiries 1. XXXX XXXX  2.XXXX XXXX. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7 XXXX  XXXX XXXX 8 XXXX  9 XXXX XXXX XXXX 10 XXXX 11 XXXX XXXX XXXX 12. XXXXXXXX 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 explanation
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A investigation was stared on XX/XX/XXXX for me to receive proper documentation of proof that I XXXX XXXX XXXX XX/XX/XXXX XXXX last XXXX XXXX XXXX XXXX XXXX XXXX IL Account open date XX/XX/XXXX have a account with : XXXXXXXX XXXX Acct # XXXX No such account was open. 
It is now XX/XX/XXXX and proof of documentation has been provided to me within the 30 days.Please remove this item from my Credit Report

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 2023-03-17 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: IL

Complaint narrative:
I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove them 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
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
My checking and savings account was compromised and I had to get a new checking and savings account & routing number. I have several fraud claims pending with navy federal credit Union and theyre dragging their feet regarding issuing a temporary credit, dragging out the process, team members lying to me and not doing their jobs. Ive been on phone with them for several days for over an hour and I get the run around. I have phone records and emails of navy federal credit Union team members telling me different things thats not the truth. Im getting the Michigan state attorney generals office involved, as well as the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17 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: Early Warning Services, LLC
State: AL

Complaint narrative:
XXXX XXXX Account # XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Error [ s ] on consumer checking account screening report. 

Dear Early Warning, I am writing to request a correction of the following information that appears on my Early Warning System consumer report : Account Number # XXXX Date open : XX/XX/XXXX Date Closed : XX/XX/XXXX You reported this account closed for cause-purged. Please send me a copy of the validity of this debt and delete this debt from my Early Warnings report. 


In accordance with Fair Credit Act 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.

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have received direct deposit from my job every XXXX XXXX XXXX XXXX  EST for the past couple of months ( it used to be XXXX but that changed around XX/XX/XXXX ). My Wells Fargo checking account was overdrawn {$88.00} on XX/XX/XXXX and I was notified at XXXX XXXX EST, that morning. I get paid at XXXX XXXX EST every XXXX, so I knew my direct deposit would post and clear because it always does. Upon me getting off of work at XXXX XXXX EST ( XXXX XXXX  ), I open my Wells Fargo checking account and my direct deposit was posted and AVAILABLE and the overdraft I fees I incurred were cleared. I went ahead and paid my bills. After I paid them, and before I went into my work building at XXXXXXXX XXXX EST XX/XX/XXXX ( XXXX XXXX ), I looked at my Wells Fargo checking account and there was an available balance of {$160.00}. When I got off of work the following morning at XXXX XXXX EST ( XX/XX/XXXX, Friday ) I opened my Wells Fargo banking app and my account was - {$60.00}. I knew this couldnt be right so I checked my past activity on the account. It was suddenly saying my direct deposit had just posted that morning ( XX/XX/XXXX ) and not XX/XX/XXXX like had been shown originally. I called Wells Fargo customer service twice and was met with rudeness and no resolution. Wells Fargo is saying that the payment did just post on XX/XX/XXXX and my account had been negative since that XXXX ( XX/XX/XXXX ). I had been sent a notification email that my account was negative XX/XX/XXXX at XXXXXXXX XXXX EST, which I did see. However for every time I overdrafted my account from that point, I never received a notification, no email nothing since XXXX XXXXXX/XX/XXXX and it has been two days since the last time I was made aware my Wells Fargo account was overdrafted. Now Im not sure if anybody else has Wells Fargo, but usually you receive an email with all the information of the payments withdrawn. I did not receive one until after I got off the phone with customer service the first time on XX/XX/XXXX and pointed out that something wasnt adding up. Then they said I was a part of the XXXX XXXX XXXX but the company had not posted it andit just did not make sense. I feel that Wells Fargo is definitely doing something fraudulent and are just giving people the run around while taking their money.

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 2023-03-17 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: MD

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

XXXX Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX  ACCOUNT # XXXX Account name : XXXX XXXX  ACCOUNT # XXXX Account name : XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Account name : XXXX XXXX/ACCOUNT # XXXX Account name : XXXXXXXX XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX & XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of the convictions of crime 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on WELLS FARGO HOME MORTGAGE. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

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 explanation