vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
on XX/XX/XXXX i called wells Fargo reporting a purchase issue with XXXX for {$3800.00}. Where I paid an extra {$40.00} to XXXX for a secured delivery to me and the parcel to be only released to me but anybody else i did that because of the amount of the purchase and i wanted to be secured from my end. On the XXXX of XXXX, i was at home waiting for my parcel to arrive, XXXX never showed up and i received an email from XXXX saying that the parcel was delivered to the address i freaked out and checked the tracking, It said it was delivered NO SIGNATURE WAS OBTAINED AND SOME RANDOM DELIVERY NAME AS XXXX was mentioned, For secured delivery XXXX is required to check the ID of the person before they release it. I freaked out so much as it is my life 's very first investment i called wells Fargo and reached out to XXXX and XXXX XXXX XXXX said that the sender could file a claim with us as a receiver i could not do anything. I called XXXX they said they will look into it since then never replied, Wells Fargo initiate my dispute on the XXXX of XXXX with dispute details Dispute Number : XXXX Date Posted : XX/XX/2022 Merchant Name : XXXX, XXXX. 
Amount of Transaction : XXXX Card Number : XXXX Status : Dispute Initiated Wells Fargo called me on XX/XX/XXXX saying they are going to decline my dispute, I spoke to XXXX from the claims department, and She was insulting, I was trying to understand how can i put liable for something i did nothing wrong - ) I paid extra on top of the total price of the product. 
- ) i informed my bank less than XXXX hours after the incident. 
- ) i replied to every call wells Fargo had for me. 
even after all of this, she was so rude to me that SHE HUNG UP ON ME WHILE I WAS TALKING. and just yesterday they posted the charge back onto my account. 

I want to know where was i wrong? how am i liable? 
I am a fulltime XXXX student, it was my life 's first investment and i have now been left with nothing they putting me liable for something i never received. What about visa customer rights. XXXX did not deliver what they promised. 


Please help me Please.

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 2023-01-07 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: GA

Complaint narrative:
There is a collection account on my report that I have no knowledge of. When account was disputed, no details on how the company determined the account is mine XX/XX/XXXX - Dispute opened with XXXX XX/XX/XXXX - Dispute opened with XXXX XX/XX/XXXX - Dispute opened - letter attached to online dispute with 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 2023-01-07 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I purchased furniture from XXXXXXXX XXXX and had to open a credit card to pay it back in installments. XXXX XXXX  employee gathered all the information and send it to the bank and opened a wells Fargo account at the end of the XXXX  year, after opening I realized they used my husband 's name under my social security. I called a couple of times to fix it but got no help every time they transferred to other customer care and ended up saying they could not help. 
I did not document all the phone calls but only once, which was my last call. 
On XX/XX/XXXX called on wells Fargo 's credit card helpline around XXXX XXXX, according to the customer care employee name XXXX employee ID XXXX, it was corrected on XX/XX/XXXX but it was not showing online banking. the online banking was still my husband 's name and as he was the owner I can not pay bills. XXXX transferred me to XXXX employee ID XXXX, he could not help as he was not able to pull the account information from his side. He transferred me to XXXX XXXX Employee ID XXXX and asked me to call on number XXXX because he was having trouble opening my account information. I called on that number around XXXX XXXX customer care employee name XXXX XXXX, refused to give me her employee ID and transferred me to her supervisor. SUpervisor 's name is XXXX ID XXXX, according to him the info from their end is correct but online banking was still under my husband 's name. He generated IT ticket number XXXX and told it should be resolved in 4 days and if not he does not know what to do. 

I also went to XXXX XXXX XXXX XXXX a couple of times, according to them they gave the correct information to the bank and now they can not 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 explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. States I have 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 non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I got approved for a auto from credit acceptance and set up my auto payment to be paid auto pay. The payments for a year have been auto pay. Well I found out via my credit report that they are reporting me late and set my auto against my due date so that I am late every month although I pay my car loan every month auto pay and have for a year since I got car. I asked for auto pay to be set up bi weekly as well to cut interest. For a year they only applied XXXX  to my principal. And affecting my credit by reporting me late.

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 2023-01-07 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: DC

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, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2023 I received an email from Venmo stating that I had cancelled my Venmo account. I had not. I called Venmo on XX/XX/XXXX and was told that on XX/XX/XXXX I had cancelled my account. This is not true. I never initiated an account cancellation and furthermore received no communication until the XXXX of XXXX regarding this. It's extremely concerting and troubling that this was somehow done without my permission or authorization. I have two-factor authentication for my Venmo account and would think this would come into account with such a major thing like cancelling an account. I asked Venmo via phone repeatedly to confirm how this was done and they are unable to provide any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: 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 confidentially 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 XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A States I have a right to pivacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting can not furnish a account without my written instruction.

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 2023-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was offered a BP master card gas card with a {$5000.00} credit line. I put a {$1500.00} deposit down to secure this line of credit. I received the card and began using it. I entered my bank information on the website to make my first payment. The first payment was made successfully. 

Then, on XX/XX/2022 my card was declined and I called to ask why. They assured me it was active and that it was working. I went to the gas station and it got declined again. I have tried to use the card many more times and it gets declined every time as shown in transaction history. I have called and talked to customer service and my account rep and they assured me that it is working, but it is simply not working. 

My next invoice became due and I scheduled my payment using the same account I used for my first payment that was saved on the website. This time the payment did not go through for some reason. I checked with my bank and they say that they show no such transaction and there is no reason the payment wouldn't go through. 

I called customer service and again and they reprocessed the transaction. This time it was successful but I was told that it was considered a late payment and that my account would be frozen for a week. I said that my account has not worked for over a month and they said it will work after a week. It still does not work. 

I have included the many emails I have sent to my account rep with no response. 

I just got off the phone today with customer service and they said well your account has is not active so thats the reason it is not working. I am not able to help you though. 

I am past the point of frustration and

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 2023-01-07 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: DC

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, 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 non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I receive calls day and night from all over the country from a company called Midland Credit Management ( XXXX ). 

I have no outstanding debts, nothing on my credit report, yet they call from dozens of different numbers. I've had them call when I was waiting for XXXX calls with my doctor causing me to miss my call. It's incessant! 

This is clearly harassment on the Part of Midland Credit management and I want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive recently checked my credit report and Ive noticed my rights are being violated. Ive disputed with the company the have still yet to removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive disputed with creditors with reference of the laws and rights theyve broken. 15 USC 1681a* ( 2 ) * ( B ) & 15 USC 1602

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive recently checked my credit report and Ive noticed my rights are being violated. Ive disputed with the company the have still yet to removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Ive disputed with creditors with reference of the laws and rights theyve broken. 15 USC 1681a* ( 2 ) * ( B ) & 15 USC 1602

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: FL

Complaint narrative:
According to statement multiple transactions were charged to my credit card on XX/XX/2022 and XX/XX/2022. 1 in the amount of {$780.00}. XXXX from XXXX XXXX XXXX. I called in to dispute charge. Barclays investigation stated that charge was authorized. I am disputing this because I did not place order with XXXX  nor did I receive products from 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 2023-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices.

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 2023-01-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive spoken with each credit reporting agency about this matter. They was suppose to be removing inquires within 24-48 hrs and mail updated copy of my report which none of the companies did. Which is a violation of my rights. 

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

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 2023-01-07 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: First Credit Services Inc.
State: LA

Complaint narrative:
Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: AZ

Complaint narrative:
I have requested for the credit bureau to do a thorough investigation and verification of my credit report. I have also reviewed and verified the information and have found these to be inaccurate. In accordance with the Fair Credit Reporting Act the following accounts have been reported in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to the Fair credit reporting act account # has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account without written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have requested for the credit bureau to do a thorough investigation and verification of my credit report. I have also reviewed and verified the information and have found these to be inaccurate. In accordance with the Fair Credit Reporting Act the following accounts have been reported in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to the Fair credit reporting act account # has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account without written instruction.

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