vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, I purchased a flight with XXXX for XX/XX/XXXX from XXXX XXXX to XXXX. As per XXXX 's booking policy, I expected to receive a booking confirmation within hours of making the purchase. However, I did not receive any confirmation from XXXX and became concerned that my booking may not have gone through. 
In light of this, I decided to rebook my flight directly with XXXX XXXX to ensure that my travel arrangements were in order. I promptly canceled the XXXX flight over the phone and purchased a new one with XXXX XXXX on the same day. 
Despite my efforts to cancel the XXXX flight in a timely manner, I have not received any confirmation of the cancelation from the company. I received a booking confirmation 5 hours and 15 minutes after booking the XXXX flight. Furthermore, I have attempted to contact XXXX multiple times through their customer service channels, but have yet to receive a response. 
I contacted my credit card company, Wells Fargo, to file a dispute, which I eventually won on XX/XX/XXXX. They gave me a full refund of the disputed amount of {$980.00}. 
Today, on XX/XX/XXXX, XXXX charged that same credit card again for a new amount of {$600.00} without my authorization. They sent me an email saying that they contacted the airlines and I was a No show 3 months after the dispute was settled. 
I opened a new dispute about the same issue that same day, and am currently waiting to see what happens.

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 2023-05-19 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: DISCOVER BANK
State: IL

Complaint narrative:
Discover Bank insists that an account with my name is actually mine and it is not. I have submitted ample documentation in this matter to illustrate that this is in fact a result of identity theft and is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: VA

Complaint narrative:
I paid off a collection account and it is still showing on my credit report as not being paid at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/23 I attempted to deposit {$150.00} into my Navy Federal account. An error message displayed on the ATM machine and as I proceeded to demand to have my money returned I received a receipt that stated we encountered an issue returning your money. Please call you financial institution

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 2023-05-19 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: PA

Complaint narrative:
I didn't open this account and I want it removed. I asked for how this account was opened without me being informed over 30 days ago. I need my report corrected asap. I don't see how ppl get away with 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 2023-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/17 went to local Wells Fargo Bank to pay arrears. I presented my check to Cashier who tried to enter into computer with fail, at which time she asked a senior clerk to try, again to no avail. I was referred to an upper level employee, possibly the Manager or Assistant. At this time he tried to process the payment and upon being unable, called the main office in Texas I believe he said. He had a phone call which lasted a couple minutes and upon ending the call he apologized first, and told me he was not allowed to accept payment. My original Account number was XXXX and the company changed it, I called and asked questions but was told the Company changed everyone 's account numbers. This company has been shady since the beginning.

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 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the fraudulent items reported on my credit report. Pursuant to the Fair Credit Reporting Act, specifically U.S.C. 1666b, I am challenging the accuracy of this information. The information appears as a result of identity theft. I have been a constant repeat victim of identity theft dating back to before 2018. It is documented, I have police reports and FTC reports along with other supporting documentation. This information was submitted and ignored and the items in question, which are surely not mine, still remain on my credit report. I am currently in the process of attempting to get a house and this is a huge problem/obstacle that needs a solution as soon as possible. I have sent multiple letters explaining this information and have not been able to get any assistance for months. This matter has been negatively affecting me for more than 6 months. My last letter was mailed earlier this month. 

I am requesting that XXXX, Transunion, XXXX, and any other relevant credit reporting agency re-investigate this matter and remove/block the inaccurate accounts along with the corresponding information from my credit reports. As stated in U.S.C. 1666b, I am entitled to have any incorrect or incomplete information corrected or deleted from my credit report as an victim of identity theft.

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 2023-05-19 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: IL

Complaint narrative:
I am writing to dispute the fraudulent items reported on my credit report. Pursuant to the Fair Credit Reporting Act, specifically U.S.C. 1666b, I am challenging the accuracy of this information. The information appears as a result of identity theft. I have been a constant repeat victim of identity theft dating back to before 2018. It is documented, I have police reports and FTC reports along with other supporting documentation. This information was submitted and ignored and the items in question, which are surely not mine, still remain on my credit report. I am currently in the process of attempting to get a house and this is a huge problem/obstacle that needs a solution as soon as possible. I have sent multiple letters explaining this information and have not been able to get any assistance for months. This matter has been negatively affecting me for more than 6 months. My last letter was mailed earlier this month. 

I am requesting that XXXX, XXXX, Equifax, and any other relevant credit reporting agency re-investigate this matter and remove/block the inaccurate accounts along with the corresponding information from my credit reports. As stated in U.S.C. 1666b, I am entitled to have any incorrect or incomplete information corrected or deleted from my credit report as an victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: AR

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove some items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. These inaccurate items must immediately removed : XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3400.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
Was never informed about this collection account. I never received any information about this debt. I am supposed to receive legal disclosures regarding any debt a collector puts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a check sent by a client for XXXX XXXX The check was a deposit XXXX XXXX XXXX XXXX XXXX for the XXXX of XX/XX/2023. The check was of XXXX $ and after I deposited the check the bank put a hold on my account.I call chase and they decide to cancel my my business account with them. They said that the check was fraud. That the check was also deposited already prior to the date I deposited it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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:
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, 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 explanation
Consumer complaint received 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a XXXX  XXXX account on my credit report that says " charge off ''. The problem is, that before it was charged off I tried to see how I got this account ( I did not open it ) and I tried to pay it off to resolve the issue, but they could never find my information in the system to allow me to pay it off. Whenever I call up there to remedy this and pay it off so it comes off my credit report they can not find the account and Im unable to pay it.

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 2023-05-19 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: VA

Complaint narrative:
I have a XXXX  XXXX account on my credit report that says " charge off ''. The problem is, that before it was charged off I tried to see how I got this account ( I did not open it ) and I tried to pay it off to resolve the issue, but they could never find my information in the system to allow me to pay it off. Whenever I call up there to remedy this and pay it off so it comes off my credit report they can not find the account and Im unable to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: IL

Complaint narrative:
I have received my consumer report and noticed Experian is furnishing a Bankruptcy from the US BKPT CT IL XXXX, as stated on my consumer file attached herein. I received a correspondence from the IL Bankruptcy Court ( attached herein ), explaining that they in fact do not report any information to the credit bureaus as stated in the letter. 
Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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. 
The law states that you may furnish my consumer report as a permissible purpose in accordance with the written instructions of the consumer to whom it relates, and no other. Did you receive any written instructions from my person, XXXX XXXX?, detailing you to report this account reference # XXXX? You are intentionally furnishing this account unscrupulously without any permissible purpose under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Furthermore, 15 U.S. Code 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) - Protection of nonpublic personal information I have a right to privacy ( which you are fringing upon ), while you ( Experian ) has an affirmative & continuing obligation to respect the privacy of its customers as it is the policy of the Congress. It is your obligation to abide by the appropriate standards that relates to administrative, technical, and physical safeguards to the rules : ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

You are defaming my character by publicizing my information that I did not consent to your company furnishing, which you accessed this record from the PACER database or through the bankruptcy clerk 's office, which you have no right to do so. Since you did not disclose to me that I have the right to opt out of you furnishing my information under 15 U.S. Code 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) - Obligations with respect to disclosures of personal information, I hereby exercise my rights to privacy and demand you to delete this account off of my file as you are causing me substantial economic hardships to my person, 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 2023-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I've had a Capital One account for over 10 years without ever having a late payment. 
The account was on autopay, there was an error on the autopayment. They were supposed to re-run it and customer service told me they did not. 
I received no notification that the payment was unsuccessful until I was reported 30 days late. 
I have no late payments on my credit files whatsoever. I am currently in the middle of purchasing a home and this dropped my credit score b
y 77 points making me unable to secure the loan. I will lose my new house because of it. 

I called Customer Service and was unable to obtain any answers, fixes etc and I need this error and credit report fixed immediately or I will lose the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit one took my account away and then sent me into collections capital. One keeps harassing me lockbox I never opened. I am not responsible for his accounts and I am not paying them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: FL

Complaint narrative:
XXXX acquired my current Mortgage loan from XXXX XXXX effective XX/XX/2023, but XXXX is still sending and calling me to pay a mortgage payment for XXXX and XX/XX/2023. I pay all mortgage payments to XXXX, my current morgage lender, and I do not have an active account with XXXX XXXX. I should not have an open Tradeline with XXXX XXXX on my credit profile Also, I indicated to XXXX XXXX that I did not give permission for them to provider private information to any other parties I also, dont give any Credit reporting agencies to give my private information to any other 3rd parties ( per 15 US Code 1681b _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer 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 2023-05-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX acquired my current Mortgage loan from XXXX XXXX effective XX/XX/2023, but XXXX is still sending and calling me to pay a mortgage payment for XXXX and XX/XX/2023. I pay all mortgage payments to XXXX, my current morgage lender, and I do not have an active account with XXXX XXXX. I should not have an open Tradeline with XXXX XXXX on my credit profile Also, I indicated to XXXX XXXX that I did not give permission for them to provider private information to any other parties I also, dont give any Credit reporting agencies to give my private information to any other 3rd parties ( per 15 US Code 1681b _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer 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 explanation
Consumer complaint received 2023-05-20 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: MARINER FINANCE, LLC
State: MD

Complaint narrative:
On XX/XX/2023, I requested documents from MARINR FINCand I have not received a response for the request. The letter is as follows and will be attached. I am requesting information for Account Number XXXX. Please provide copies of the following information : - All billing statements from the date of account opening ; - Complete Reporting History to credit bureaus and/ or reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment. It is my belief that 15 days is a reasonable amount of time to gather this information. I look forward to your complete cooperation and compliance. Respectfully, ( My name ) Not only this, but I need this data to formulate a dispute because it isn't reporting accurately or completely to any of the credit bureaus and I do not know who is misreporting the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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, XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602A. It states that I have a right to privacy.

15 USC 1681 section 604A Section 2. It also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card under an open end consumer credit plan 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