vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting 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: GA

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 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. Or 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 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 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Father opened the account ending in XXXX and opened it without my knowledge or permission. I disputed the charge on my credit report and on XX/XX/2023 it was removed from XXXX and XXXX. Still showing up on new XXXX XXXXXXXX account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Approximately for 3 years, Wells Fargo has been notifying me by text via my gmail account about fraud charges, overdrafts and miscellaneous notifications. The problem is that it is not my debit card. Most recent notification was XX/XX/XXXX about 3 transactions either fraud or approved. All for debit card ending in XXXX. Previous Fraud notification XX/XX/XXXX, XX/XX/XXXX and so on. I deleted the rest. 

When I call they want the whole debit card number but I don't have it. My gmail account is XXXX. I do have accounts with Wells Fargo but not this one. They do have my text information correct on my accounts. XXXX. I keep the gmail account for my phone. FYI : there is another XXXX XXXX in Minnesota that I know of but don't know. I want these notifications corrected as it is disturbing. 

As stated previously, I have called repeatedly and have actually went in person to the bank. Always told for security reasons, they can't help me because I don't have the full debit number.

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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The XX/XX/XXXX EXPERIAN credit reports shows a soft inquiry from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX No phone # available INQUIRY DATES : XXXX '' EXPERIAN continues to create problems for me. 

1. There is no phone number for me to call " XXXX XXXX XXXX '' 2. What is " XXXX XXXX XXXX '' mean? 
3. My employment history is still missing on the EXPERIAN report about me. I have been working in New York, USA since XXXX after I graduated High School. I have paid into the social security benefit system since XXXX. EXPERIAN has omitted my employment history which means according to EXPERIAN, I have not paid into the Social Security system via W2 's Is EXPERIAN attempting to disqualify me from collecting Social Security benefits? 
4. My name is still not corrected to the marital surname XXXX XXXX. Is EXPERIAN disqualifying my legal marriage to my current husband XXXX XXXX XXXX to disqualify me from Social Security Survivor benefits as XXXX 's wife? 
5. Related problem with my current Social Security card is that the complete marital surname is incomplete on the addressee mailed envelope and on the online SSA online website. The missing characters indicate an incomplete name and I want this corrected. Local surrogate, supreme, civil and family courts utilize names with respect to birth, death, divorce and 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 2023-12-26 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: KS

Complaint narrative:
XX/XX/23 I purchased 4 tickets to a concert totaling {$2800.00}. I received all 4 tickets. As a feature on their website the buyer can send the tickets to the other attendees in advance. I followed the process online to transfer electronically send the tickets to the other 2 attendees. That process was successful. After a few weeks 2 attendees were not able to attend the concert. I immediatly notified XXXX XXXX and asked what my options were. They said I could request the 2 tickets to be electronically returned to me and that I could sell the tickets on their website. The 2 parties completed the transfer and they no longer had access to the tickets. I tried to retrieve the tickets and the option to retrieve the tickets was " dithered out '' not highlighted and I could not reclaim the tickets. These calls went on with XXXX XXXX for months leading up until the concert. The vendor admitted they knew I did not have access to the tickets and all the agents said they did NOT know how to " fix it. '' I spoke with countless agents and chatted online seeking assistance to resolve this issue. I asked for a supervisor/manager and was repeatedly told they had no manager/supervisor. Essentially I was charged for 2 tickets that XXXX XXXX XXXX system could not return to me ( the buyer ) to use or sell. Because of XXXX XXXX inability to deliver the goods I still am being billed for the tickets they could not deliver. Eventually I was told by multiple agents XXXX XXXX does not give refunds for any reasons including their own systems error. I tried to resolve this issue with XXXX XXXX and Citi Bank Resolution Department. Citi Bank informed me they could not " make the vendor returned my money '' but graciously placed {$100.00} credit on my account. I did submitted everything Citi Bank required to resolved this situation and was told the vendor does not issue refunds. Although refunds should be issued by the vendor when they can not deliver said goods such as these tickets I paid.

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 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I upgraded an existing checking account to a Premier checking account under bonus offer code number XXXX. I brought in to the bank {$250000.00} as per the terms. I have maintained this balance since XX/XX/2023 which meets the terms of the offer. I still have not received the {$2500.00} offer after multiple requests to the bank.

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 2023-12-26 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ,  MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. 

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to Transunion, XXXX and 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 2023-12-26 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. 

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. 

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, XXXX and Experian. 


XXXX, XXXX XXXX XXXX for 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 explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

I want to remove any late payments in my Capital One account, XXXXXXXX XXXX XXXX XXXX XXXX account, XXXX XXXX XXXX account and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 have no knowledge of any of the accounts I am disputing, they are not mines. None of the accounts have been validated, or verified. I wasn't given the IRS 1099 C Debt Cancellation Forms, or any purchase agreements that are supposed to be provided by the collection agencies or debt collectors. Also from my understanding and research according to the Fair Credit Reporting Act these creditors have violated my rights Under 15 U.S.C. 1681b - permissible purpose of consumer reports, THE LAW CLEARY STATES : ( 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. Ive never provided written instructions to furnish any of these accounts on my consumer report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any -- ( i ) report contacting information solely as to transactions or experiences between the consumer and the person making the report ; This means any information that includes transaction history, late payments, balances, etc are not to be reported. Also I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
i was a victim of identity theft and the items are not mine and i request that they be deleted, also i will attach my FTC report below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
Mr. Cooper is and has been my loan servicer since they were XXXXXXXX XXXX About 22 years. I made an additional escrow payment on XXXX so the Monthly Mortgage payment amount would not change during an Escrow anyalsis. On XXXX Mr. Cooper performed an escrow anyalsis. On XXXX they sent an escrow Overage/Refund of XXXX and then increased my payment by {$15.00} for the month of XX/XX/. I have never recieved any escrow check from Mr. Cooper as of todays date of XX/XX/. I want these funds put back in my escrow account and my payment to remain the same. This yearly rubberband experience is unproductive to proper loan processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

I want to remove any late payments in my XXXX XXXXXXXX account, XXXX XXXX XXXX XXXX XXXX account, XXXX XXXX XXXX account and 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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

I want to remove any late payments in my XXXX XXXX account, XXXX XXXXXXXX XXXX XXXX XXXX account, XXXX XXXX XXXX account and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting my account XXXX days late however it also states the balance is XXXX. My payment is XXXX so couldnt be XXXX days late. They have for XXXX months not posted my payments correctly and I am demanding this be corrected I should be having an up to date report. I should be listed as current and nothing past due. They need to update my account

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 2023-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Keynote Consulting, Inc.
State: FL

Complaint narrative:
Debt collection company mailed me an attempt to collect debt, I mailed back a letter requesting validation of debt and specific items within the law I would need to validate debt, company mailed partial information along with a persons drivers license that had black sharpie over parts and I could still read all of the drivers license. I mailed back a second attempt to validate debt and have not received anything for over 30+ days..

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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple XXXX XXXX regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my XXXX through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 have asked Equifax XXXX separate times to conduct an investigation into XXXX  accounts on my credit report that I believe are inaccurate. Each time Equifax sent me an XXXX XXXX XXXX response saying they do not believe the request was coming from me. Every time I provided Proof of XXXX and Proof of XXXX and they refused to do so. They have consistently violated my rights under the Fair Credit Reporting Act and should be held accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I opened accounts, I try to access the account but it says unavailable. Then try to start new account. It then says you have an active account. With XXXX  accounts, it was said I had suspicious activity.

Company response to consumer: Closed with explanation