vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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: MD

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  act # XXXX, XXXX, XXXX, XXXX, has violated my rights 15 U.S.C 1681 section 602 A States that 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 2022-06-22 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: CA

Complaint narrative:
I am a concerned consumer and my credit report is not reporting 100 % maximum accuracy and it has caused me a great amount stress, I can not get approved for anything and I becoming suicidal due to the fact my information is in someone else 's hands and is not being investigated properly and being misused. Transunion, XXXX, and XXXX keep stating these accounts are verified that they are all reporting accurate which is false, they all hold different information on each bureaus, In accordance to something called the Fair credit reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX  XXXX XXXX Account # XXXX has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 with out 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 2022-06-22 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: DISCOVER BANK
State: FL

Complaint narrative:
Since XX/XX/XXXX several negotiable instruments endorsed per to bills of exchange act, UCC 1-314, 1-308, 1-306, 1-603, 3-416 12 usc 411, 18 usc 8 and hjr 192 along with several others, have been sent totaling over {$9000.00} between two accounts. To discover financial services. Ending in XXXX and XXXX. However PAYMENT was accepted, never returned nor credited. PAYMENT is not defined in the contracts or terms of conditions in discovers and agents refuse to define it. I have told them repeatedly that they may either return my endorsed instruments or credit my account. They refuse to do both. I have reported several billing errors disputes as well as provided instructions and they refuse to acknowledge my billing error disputes, apply credit, and attempt to mark payments as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
Chime Financial , Inc.

About three months ago a tenant sent me a payment through chime. Annoyed I linked a bank account and withdrew the funds. I did not realize Chime was sending a debit card to me. I dont want a debit card from Chime. 

The tenant made a subsequent payment about a week ago. Chime wont let me withdraw the funds without activating the debit card. I asked customer service via chat to release the funds. They refused unless I activate the card. I now have an account I dont want and they are forcing me to have a debit card to withdraw funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
So my truist checking acct was in the negative and they just kept charging me to were now I owe them XXXX. 
Im sorry but if my account was in the negative what makes you think charging me is going to make me be able to afford it better. 
A XXXX check was deposited in there and they happily took that which tells me its still not closed. 
I cant afford this right now at all and I was just trying to make my credit better. 
Im sorry but there should be a cap on how much they could charge in fees and at some point close the acct I havent used this acct in over 6 months but like I said when a check accidentally got direct deposited in there they quickly snapped that up. 
I literally live pay check to pay check Im not trying to screw anyone out of something there owed. 
If there is anyway you can help me please I would appreciate it Thank you 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 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Bill was paid in full on the XX/XX/XXXX including any pending charges before billing cycle of XX/XX/XXXX on XX/XX/XXXX I was charged {$13.00} for interest I called and spoke to a customer service person and a supervisor about how XXXX days after a XXXX balance on the account is now charged interest. Their story is because it is considered a revolving card the continue to charge interest. I replied they can eat that interest and cancel the card however I didnt wait around for more of their excuses to make profit for nothing. The Card holder Bank is Capital One Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22 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 Fair Credit Reporting act 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 2022-06-22 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 XXXX acct # XXXX, XXXX XXXX acct # XXXX, has violated my right 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 2022-06-22 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: IL

Complaint narrative:
In Accordance with the Fair credit Reporting act, my rights have been violated. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 permission.

15.U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-22 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: IL

Complaint narrative:
In Accordance with the Fair credit Reporting act, my rights have been violated. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 permission.

15.U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: ND

Complaint narrative:
I received a bill on XXXX XXXX from Destiny bank for a card I never applied for. It carried a balance which included a {$170.00} service fee and {$5.00}. When I called to request the account be closed because I never requested a card from this company that constantly send me pre-approved notices, they refused until I sent a picture of my Drivers license or State ID. I refused because they could not provide me with any relevant information other than my address to verify. The agent claimed they must have received a picture of some type of ID from me or they would not have opened the account, yet refused to close it when I requested it be closed... Since I never requested it be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The debt collector didn't provide me with a validation notice letter, but has been reporting it on my credit file since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
As of XX/XX/XXXX all the way to XX/XX/XXXX there has been credit card action in my name that I did not approve of and have no knowledge of is there any way that your company can help me get my credit back up and dispute all negative action that damage my credit. 
The available credit was {$200.00}, The highest balance {$420.00}, Date account opened XX/XX/XXXX, Date account closed XX/XX/XXXX, There was no action taken by capital one for some reason they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX XXXX XXXX, GA XXXX PRE-LITIGATION//PRE-ARBITRATION NOTICE I XXXX XXXX/Federally Protected Consumer to Consumer Reporting Agency . None of your company policies and procedures TRUMP FEDERAL LAW PERIOD. IT IS NOT XXXX XXXX JOB TO DO THE EQUIFAX JOB AT ALL. STOP LYING TO CONSUMERS BY SAYING THEY ARE SUPPOSED TO CONTACT EACH CREDITOR TO WHO YOU GAVE ACCESS TO CONSUMER REPORTS. I am a natural person who is at all times relevant, instead, Your agency has continued to ignore and refuse my written request for a proper investigation into EACH soft and hard inquiry you have allowed without my written consent. I have expressed to Equifax my concerns of identity theft due to the non-permissible inquiries your company has allowed to be placed on my Consumer Report. Equifax 's help in unauthorized conduct has resulted in significant harm to me. These hard inquiries are in fact negatively impacting my credit score on a daily. Equifax 's conduct has caused me XXXX  distress, and mental anguish and I fear identity theft. I am desperately trying to protect my privacy and enforce my rights. Equifax 's systematic practice of selling, and sharing my consumer reports for monetary gain without permissible purpose prescribed by the FCRA constitutes a willful and malicious violations of 15 usc 1681b/f. I am seeking actual damages, statutory damages, and punitive damages from EQUIFAX for this matter immediately. I tried to resolve this matter privately with EQUIFAX. 15 USC 1681 : Congressional findings and statement of purpose a/b/c 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 USC 1681r : -Unauthorized disclosures by officers or employees 15 USC 1681o : -Civil liability for negligent noncompliance 15 USC 1681q : -Obtaining information under false pretenses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
The company has been double charging interest/fees against the XXXX XXXX XXXX I have with the company. This has been occurring for over a year. The statement clearly layout the overcharges and the company accepts not responsibility. It's gotten so bad that the current balance had a negative amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I purchased several prepaid cards from XXXX, two of them were never activated. XXXX activated one, but the other still does not work despite several calls and emails. XXXX finally referred me to Vanilla visa who asked me to send them my license, receipt and copy of the front and back of the card on XX/XX/22. They advised me at that time to wait XXXX hours. I have called several time after waiting XXXX hours and now they say wait another XXXX hours. At this point this is theft, all I want is my money back or a new card, a simple request. Today when I called for the 10th time I am told to wait for XXXX hours because they are waiting on XXXX response. XXXX hours is the response given to me on each call and it has been almost a month with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: GA

Complaint narrative:
This is Ridiculous! This is now my second Complaint that I'm filing against XXXX XXXX XXXX XXXX XXXX and Equifax about IDENTITY THEFT. I sent XXXX XXXX  a certified letter on XX/XX/XXXX informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/XXXX at XXXX. As of today XX/XX/XXXX XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 

XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and Equifax is allowing this to stay on here. 
I provided XXXX and Equifax both with : 1 ) My police report when I found out about the ID theft.

2 ) My FTC ID Theft Report 3 ) The Certified Mail receipt from the letter I sent to XXXX XXXX and Equifax on XX/XX/XXXX. 
4 ) Proof of my Identity and address. 

This alone is proof that this account was opened Fraudulently and should be blocked. I have NEVER received goods, services or money from XXXX XXXX Bank NOR XXXX Funding. 

In response, XXXX continues to say that this Debt is valid because they got a " default judgement '' on a case that I didn't appear at because I did not have any notification about this. They sent a letter to an address I wasn't living at which is why I didn't know about this. They also say that I had a contract, initially, with XXXX XXXX bank. To this day I have not seen a contract, any signature or any legal information holding me responsible for this Fraudulent account. 

However, I did follow what the FTC Identity theft department informed me to do. 
I called XXXX XXXX Bank in XX/XX/XXXX and spoke with one of their agents and informed them about the Identity Theft and they said " they will notate it in their records but aren't the owners of this account and I would have to call XXXX Funding which I did. XXXX funding is trying to force me to be liable for an account that was acquired due to Identity Theft. I filled a report on XX/XX/XXXX because when I checked my credit report I had this account and several others and sent this out to the bureaus back in XXXX. Almost a year later XXXX and Equifax are totally disregarding the FCRA laws to Identity Theft. 

I expect this account to be blocked and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: RI

Complaint narrative:
I was sent a text saying that a purchase was being made on my account. If I did not authorize the purchase I should tap on the text. A women came on the phone and told me that my account may have been hacked and we needed to see if there were any other purchases attempted. She had me open an app that allowed her to view my accounts and she showed me other attempts to use the account from different parts of the world. I have been purchasing a few more items than usual lately so I thought it was possible that I had been hacked. She told me that I needed to open zelle and put an amount in of {$990.00} and prove that I was the true owner of the account and then we could cancel the purchases. I foolishly did as she asked. When she asked me to cover a second purchase I realized that it was a scam. I hung up the phone and called my bank. I waited to speak with someone who then transfered me to the Zelle division of the bank. I waited for approximately 30 more minutes and then called Zelle directly. An automated message told me that I needed to contact my bank. So I called XXXX  XXXX XXXX back and they refused to talk to me until I could get my husband on the line and merge the call. And then they transfered me again and I waited again to speak to the zelle division for over an hour. They did finally talk to me and I was able to file a claim. The representatives from XXXX were all very nice and helpful but the phone call from the scammer was over two hours old. I wonder if more could have been done to help get the money back if I could have reached someone sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2022, two fraudulent checks, totalling {$7900.00}, were cashed by a teller at XXXX XXXX XXXX XXXXXXXX in XXXX, NC. 

My wife immediately identified that these were fraudulent checks and we notified the fraud department of Wells Fargo to stop the transaction. I also made a visit to the XXXX  XXXX XXXX  of Wells Fargo in XXXX XXXX, VA, to get assistance from a branch manager, XXXX XXXX, who contacted a " higher-up '' to expedite the process. 

I contacted the bank daily, as federal law dictates that fraudulent funds must be returned within 10 days. 

Four Wells Fargo employees were involved in this case. A case number was set up by the fraud department XXXX. 

After numerous calls and over 3 weeks later, I received a call from XXXX XXXX of the fraud department, that because this was a 3rd party bank and that the check was cashed by a teller, that Wells Fargo would not reimburse the funds. This same person suggested that I take legal action against Wells Fargo. 

I am submitting this complaint against Wells Fargo and have since hired legal counsel to help return the fraudulent funds. 

I await your timely response! 

Sincerely 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