vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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:
I recently placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me. I have pulled my credit report and noticed that there are inquiries on my report that I did not authorize nor was I notified that my credit was being pulled and this action violates my consumer rights. I have reached out to credit bureaus numerous times about this situation to notify them that my credit was pulled without my authorization. I've contacted the creditors about these inquires and I was notified that they were in the process of being deleted.They have yet to be deleted. These inquiries are fraudulent inquiries and should be removed from my report. I have not received a proper response from XXXX about this matter. Only a letter stating their " definition '' of an inquiry, but no factual evidence that these were a result of my actions or that i was called before the credit was being accessed. Please remove 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 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 explanation
Consumer complaint received 2023-08-23 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: KS

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.

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 2023-08-23 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: LEXISNEXIS
State: KS

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.

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 non-monetary relief
Consumer complaint received 2023-08-23 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: FL

Complaint narrative:
XXXXXXXX XXXX  XXXX XXXX Are furnishing late payments in my credit report, this is Illegal! And has violated my rights as : 15 U.S Code 1666b- TIMING IF PAYMENTS, as it states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term consumer report doesnt not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 2023-08-23 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:
OUR COMPLAINT in accordance with the fair credit reporting act XXXX  Account # XXXX XXXX  late payments on : XXXX XX/XX/22 has violated my rights. 15USC 1681 section 604 sates I have the right to privacy. 15USC 1681 section 604A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Hide

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 2023-08-23 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: CA

Complaint narrative:
I XXXX the Consumer has attempted to resolve the incorrect and inaccurate information reported on my consumer report and have no success. They are in violation of subchapter of FCRA15 U.S. Code 1692g - Validation of debts they have yet to validate any of these alleged debts, they are in violation of15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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.

they have yet to provide me with a copy of my written instruction. they are also reporting alleged late payments which is in violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 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 Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: PA

Complaint narrative:
I received an email from XXXX asking me to XXXX for the business account I ordered. I didnt order this and called the XXXX number to correct this. I was told there were additional charges made totaling {$3300.00}. I was asked to open my computer to fill out a refund form, which I did. They showed me that I made an error and put in {$33000.00}. I was horrified and they asked me to open my bank info and it showed a deposit for that amount. I now know they were controlling my computer and everything they showed was false. They said they would lose their jobs so I couldnt send a check. I wired {$30000.00} and, {$19000.00} because they showed me that only part of the first wire went through and the second was declined. They then told me my only recourse was to buy gift cards, which I did. {$7000.00} on XXXX XXXX, which was considered fraud and removed. I also got {$11000.00} on my Wells Fargo visa. After a month of being shifted between fraud, then disputes, back to fraud and again in disputes, I was informed today that my only recourse was to go the merchants to see if any money was left on the gift cards. 
I reported this on XX/XX/2023 after buying the cards on XX/XX/XXXX. My entire checking and savings was gone, around {$57000.00}. I dont have the resources to pay this as I am now on social security with a very small pension. 
I reported the scam to the XXXX XXXX Police in PA incident # XXXX on XX/XX/XXXX and an XXXX report on XX/XX/XXXX. I also submitted a scam complaint to the PA Attorney General on XX/XX/XXXX. I also sent a copy of the email to the XXXX phishing website an feceived phone calls and emails from them.

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 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
A random company sent me a letter on attorney letter head in an attempt to collect a debt that i do not owe this is identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I contacted transunion on XX/XX/22 about some information that wasnt mine and addresses to places i never lived. I have yet to hear anything from them to get these things taken care of.

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 2023-08-23 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: DE

Complaint narrative:
Its a vehicle listed on all 3 credit reports with inaccurate information. Please remove it. Thank you.

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 2023-08-23 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: DE

Complaint narrative:
Its a vehicle listed on all 3 credit reports with inaccurate information. Please remove it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: DE

Complaint narrative:
Its a vehicle listed on all XXXX credit reports with inaccurate information. Please remove it. Thank you.

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 2023-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I was sent XXXX dollars from another PayPal user to my PayPal. I then did an instant transfer of those funds. The transfer never made it to my account so the XXXX dollars is now unaccounted for. But my bank statement shows a XXXX dollar withdrawal to my PayPal account instead of it being a deposit. The withdrawal showing from my account to my PayPal account also is not showing in my PayPal account so now I have XXXX dollars unaccounted for. I disputed the withdrawal on my bank but I have talked to several people at PayPal about this mistake and I have received about XXXX different stories as to why this happened with no solution to correct. all I want to to get the money that was supposed to be sent to me and to allow my dispute to go though with the ank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
There was a transaction that was debited from my checking account on XX/XX/23 in the amount of {$85.00} by " XXXX '' and it should not have been. I disputed this charge with USAA and they gave my provisional credit. They asked for me to send info and I did but they claimed they never received it. On XX/XX/23 USAA reversed this charge with no further evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: NV

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It is 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
To Whom It May Concern : It has been brought to my attention that XXXX bank of america } has listed { negative listing } on my XXXX file. 

To my knowledge, I have never had account with { BANK OF AMERICA }. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from XXXX BANK OF AMERICA } including copies of any documentation associated with this { negative listing } which bears my signature. 

In the absence of such documentation, I request that this BANK OF AMERICA be permanently removed from my XXXX report. 

For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA 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 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I made a payment of {$450.00} to a seller for website updates via the XXXX XXXX. Once I made the payment, the seller did not respond to my texts ( Please find the attachments provided ). The seller did not provide the services that he promised. 

I contacted the XXXX XXXX about this issue. They requested to file a chargeback from my card issuer. 

I contacted Charles Schwab on XX/XX/XXXX with this issue and they helped me raise a dispute. 

I was sent an email on XX/XX/XXXX saying that the dispute was denied. The notice mentioned, " We have no recourse with the merchant based upon the nature of your dispute. This is an authorized XXXX XXXX transaction ''. 

I contacted the Schwab Bank customer service and spoke to a supervisor. The customer service supervisor mentioned the case was closed as a fraud dispute ( whereas this was not a case of fraud but a case of services not received ). I was told she is resubmitting the case for re-investigation as it was previously closed as a case of fraud. 

I was sent an email today ( XX/XX/XXXX ) with the same PDF again mentioning that the dispute was denied ( no changes except the date on the PDF ). 

I am surprised a bank is not willing to support a customer when there is material evidence that the customer was cheated. I was expecting the bank to support the customer and file a chargeback with the vendor. 

As mentioned on the XXXX website, the card issuer can file a chargeback if services were not received but the denial notice says " We have no recourse with the merchant ''. I am surprised that a bank is not willing to help customers who are cheated and protect their rights. 

If it is any other well-known bank, they would have stood with the customer to resolve the issue but Charles Schwab bank is not willing to help the customer even though the customer provided supportive evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I transferred a balance to Chase Bank Freedom Card at 0 % interest rate if paid off by XX/XX/XXXX. I made payments on that amount so as to pay off balance by XX/XX/XXXX. However, later I transferred another balance at 2.99 % interest rate. The payment terms said they would pay off the lowest interest rate first then the highest rate. I always made more than minimum payment on those two amounts. However Chase is only applying the payment to the 2.99 % interest amount and nothing to the 0 % interest amount. This causes me to not be able to pay off the 0 % amount by the due date of XX/XX/XXXX whereby that interest rate will then go from 0 % to the current rate of 26 %. That rate may cover the entire time I'v had that offered rate. I believe this is FRAUD on their part. I have talked to them several times to no avail. That is their policy they say. 
I want to be able to pay off my 0 % amount by XX/XX/XXXX however since they will not put payment money against that amount, that is impossible. In order to pay off the entire amount by making another payment, I would owe {$7600.00}. by XX/XX/XXXX. I don't have the money to do that. 
I want them to transfer previous paid amounts from the 2.99 % amount to pay off the 0 % amount, or extend the 0 % interest rate to coincide with the 2.99 % rate expiration date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 COMPANY DOES NOT HAVE MY AUTHORIZATION. COMPANY NEEDS TO DELETE THEIR REPORTING ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good afternoon, the problem is still with Wells Fargo Auto. I previously opened a case with you number XXXX to help me because the bank previously authorized the replacement and they damaged the car and I only paid a part of the damages, but they want me to pay penalties for the months of delay that the car has been damaged, they damage my car, they do not pay for the damages, I have paid the months in arrears, but they want me to pay them a penalty for delay too, I think it is very unfair, thank you very much.

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 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX  card Chase bank account All three of these credit cards and chase bank were used and stolen and accessed without my consent or knowledge I was in the hospital for three months with XXXX  and Im still not sure who took my purse and got all of My information but it has destroyed me completely. Please help .. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
For XXXX I purchased 4 {$50.00}. Gift cards from my local XXXX store. 
None of the recipients told me until.XXXX  that the cards were not loaded I've been fighting with them for refunding all 4 cards.

Twice they have sent me 1 single card for {$50.00} ( they also have a XXXX balance. 
Several times I have submitted all documents they need.

Company response to consumer: Closed with explanation