vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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: TX

Complaint narrative:
I DID NOT GIVE THESE COMPANIES PRIMISSION, OR WRITTEN CONSENT TO RUN MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-28 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: TX

Complaint narrative:
I have identified information on my report that re a result of identity theft these items are not related to any transactions completed by me. XXXX XXXX XXXXXXXX XXXX XXXX, Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXXXXXX XXXX these are the companies that are listed that are not associated with me. There are also addresses that do not belong to me- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I'm attaching ID doc, because Equifax has been known to stall stating they cant Identify you, yet they can add incorrect harmful information on your credit file. 

By law, they have XXXX days to correct this, not XXXX. 
15 USC 1681 ( C ) 2, related to blocking of information regarding identity theft. Fraud and related 18USC 1028, Consent to release 5USC 552 ( A ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: AR

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX BANK # 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 2022-06-28 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: AR

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX BANK # 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 2022-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime has a policy that states you can send money to anyone even if they do not have a chime account. 
They are engaging in predatory behavior by not reversing money they sent erranousely due to poor record keeping on their behalf. 

I sent {$100.00} to a friend on XX/XX/XXXX. This friend does not have chime so I option to send money by using their phone number. Before sending the money, I checked XXXX to be sure the number was correct. I went so far to ask him verbally before sending the funds. 

After I hit send I checked with my friend to be sure they received a text, they did not. 

I logged back in and saw it went to a person with a chime account that I do not know, I called chime immediately ( less than XXXX mins ) and they said they couldnt reverse it since it was no longer processing. During this conversation they removed the phone number from the chime account belonging to the other person. ( I tried to send the person a request to return the funds but since they removed the number from their account the request to return the money I sent went to my friend. ) They made me file a dispute claim that was supposed to take XXXX days they made a decision within a day I submitted screen shots that show my friends number has been the same since XX/XX/XXXX. After their denial on my dispute I sent a request for the documents used and they responded - the phone number was correct and they would not be reversing the charge. They used no documents to support their decision. And fails to recognize the issue is not the number rather the issue is that they sent it to a person who no longer has that number. 

Chime is negligent by not maintaining contact information for their users. And if they are unable to do so, should reverse their policy so that you cant send money to any person if they arent account holders and transfers should be limited to chime to chime account holders

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX OF XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # 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.

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 2022-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Remex, Inc.
State: NJ

Complaint narrative:
I had several MRI 's with XXXX XXXX as a result of a serious XXXX. They submitted the bills incorrectly and I was told they would be reprocessed. Remex, Inc contacted me and I never ran from the calls. When I spoke to my attorney about it, they also contacted Remex to advise they were working with the provider to correct it.

Remex took my account off hold and for {$220.00} dollars it was report to my credit and resulted in an over XXXX point decline. I have had exceptional credit for decades and was furious. I called and they were extremely curt and would not call my attorney to resolve the issue. I suffered a XXXX XXXX  and have XXXX for an serious accident that was not my fault. The last thing I need is to be dealing with this for {$200.00}. I would have paid it but was advised by attorney that according to the provider it was being resubmitted because it was not billed properly. 

They have unfair and unethical collection practices and judging from all the reviews I read that can be verified by others this same thing has happened to. 

Someone should investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have a XXXX XXXX card through Comenity. Their site has been non-functioning for XXXX days now. Multiple complaints have been reported online to their social feed, nobody will answer a call at their call center ( get a recorded message saying they're working on it ). 

I don't want to be charged fees when I'm trying to pay off the balance as soon as a balance is created. This is causing an issue with all their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # 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.

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 2022-06-28 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have contacted barclays bank more than 7 separate times to dispute fraudulent charges. Each time I spoke with XXXX, the charges were recognized as fraudulent, and each spokesperson said the charges would be taken care. Six months later, I am still receiving calls and emails demanding payment on these fraudulent charges, and now my credit score is negatively effected.

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 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is now my 4th or 5th complaint with Wells Fargo Bank with no resolution. I have now started seeking legal counsel in order to help me with the injustice and defamation of character I have received. 

On XX/XX/2022 I filed a complaint in regards to my account being closed I.D . Number : XXXX, which was denied by Wells Fargo and the claim was closed. I again filed another complaint on XX/XX/2022 regarding the same issue, I.D . Number : XXXX, which was denied by Wells Fargo Bank again and claim was closed with no resolution. 

Since these complaints have been filed, I have tried opening an account AGAIN at least 2 more times and Wells Fargo has closed the accounts due to CIP and as newly stated on XX/XX/2022, that there are inconsistent internal and public records of my information and identity. In result of this my NEWLY opened accounts as of XX/XX/2022 are in the process of being closed once again. 

I have received mitigation forms in regards to this matter from Wells Fargo Bank and will be responding. 

I now feel that I am being targeted and my character is being challenged, as Wells Fargo Bank continues to tell me after several complaints that I am not providing them with the truth that I have visited their branches on multiple occasions and verified my identity, as well as I have spoken with phone bankers and representatives to verify this. 

Previously my accounts were closed for an unverifiable address, which Wells Fargo Banks system continues to change/adjust on their own from what was provided to them. As the letter states received on XX/XX/2022 ; " recently, we reviewed your consumer file and found missing/ or inaccurate information. '' According to Wells Fargo Bank representative XXXX ID # : XXXX ON XX/XX/2022 AT XXXX, my information on file was correct and I should not have to worry. My account was then closed a few days later. 

According to all credit bureaus, my address is listed and confirmed as what I provided to Wells Fargo Bank. ( Please see attached. ) Another letter received from Wells Fargo Bank on XX/XX/2022 states, " Our records indicate on XX/XX/2022, we received notifications from the United States Postal Service ( USPS ) with regard to your address and as such, YOUR ADDRESS WAS UPDATED AS SHOWN BELOW. '' When Wells Fargo Banks system updates my address from what I provided to them, it triggers my accounts to be closed over and over again. I have a witness as well as Wells Fargo Bank customer who has not had this issue when previously applying with the same address and accounts have never been closed.

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase XXXX XXXX XXXX XXXX doesn't show up in my Chase Account anymore under the login XXXX. It's just magically gone. 

I had XXXX points from a referral I did too. That's very convenient that the card does not show up anymore. If they terminated my account without cause then that's violating certain federal laws. I paid that card in full and built good history with it. 

In addition, I've been trying to get my card downgraded to the Chase XXXX XXXX XXXX card to avoid paying my annual fee for months and I've had no success. I want a refund of my annual fee that I paid last XXXX and a corresponding downgrade. Also I want to downgrade my Chase Sapphire XXXX card which I know is possible as well but none of your off-shore agents would work with me. 

1. Refund my annual fees on both those cards and downgrade me 2. Bring back my chase business ink preferred card back on my XXXX login as well as bring back my XXXX referral points 3. Downgrade the chase XXXX XXXX XXXX XXXX and please make sure I keep those points

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IA

Complaint narrative:
I canceled the checking account created through US bank on XXXX by phone, but I still haven't received the remaining balance that was supposed to come in 10 business days. All the phone counselors only said they would call me to check again, and repeatedly said that the check was issued but not sent. No one called me back. When I visited the branch, I was informed that I could only consult by phone.

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I'm trying to downgrade my capital one spark business card to the capital one spark select card but none of the off shore overseas agents are ever able to help me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Someone scammed me for {$270.00}. I have text proof that they scammed me and blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: UT

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-06-28 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
OPORTUN/PROGRESO FINANCIAL IS IN VIOLATION OF ; 15 U.S.C 1681b. ( a ) ( 2 ) 15 U.S.C 1681. ( a ) ( 4 ) specifically in regards to ; -consumer privacy -no written instructions from consumer to furnish information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Inquiry from Comenity Capital is still showing on my XXXX report. I was a victim of ID Theft & have the documents to prove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX US DEPT ED XXXX Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, 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