vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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: HI

Complaint narrative:
According to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have 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 consumerreporting agency can not furnish a account withoutmy written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reportingagency may make any consumer report containing any of thefollowing items of information Any other adverse item ofinformation, other than records of convictions of crimes which use to antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish anyinformation relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is accurate.

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 2023-04-21 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX I paid a merchant through XXXX XXXX and was scammed. There was no more contact once they took my money. I immediately requested a refund but was denied. I then filed a claim with chase bank and just received notice that theres some paperwork showing that I received goods, which is impossible because it wasnt for goods but for services. I signed nothing and received nothing so I am unsure of how they would have documents showing that I received products.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XXXX 

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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Deposited two separate tuition checks. Bank placed a hold for 5 business days. Check is local and they made no funds available. Ive been banking with them for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
An account was fraudently opened in my name and then the company continously contacted me to pay them via mail with a symbol on the packaging as well as excessive phone calls, both of which are consumer rights violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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:
I reached out in XXXX via USPS certified mail to let the company know how them publishing incorrect information on my consumer report had adversely affected my life and made requests for them to remove the incorrect information and also acknowledge the damage the incorrect information had caused my family and I

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 2023-04-21 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: OH

Complaint narrative:
I reached out in XXXX via USPS certified mail to let the company know how them publishing incorrect information on my consumer report had adversely affected my life and made requests for them to remove the incorrect information and also acknowledge the damage the incorrect information had caused my family and I

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
iam invoking my special Private Agreement and Authorization XXXX  XXXX, for infrinements and idenity theft,12 USC 1430,31 USC3123 , 15USC1602, U.U.C 3-104,31 USC5118 , HJR! 92.theses are the following that has been in breach i never gotten any loan from {$43000.00}, Inever got the loan from XXXX XXXX which they use my for the note and used my credit without my consent and sold the car with out my consent.i would like the property to be returned or pay back in full for infringment and value of the loan.

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 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries not attached to accounts 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 2023-04-21 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: HI

Complaint narrative:
According to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have 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 consumerreporting agency can not furnish a account withoutmy written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reportingagency may make any consumer report containing any of thefollowing items of information Any other adverse item ofinformation, other than records of convictions of crimes which use to antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish anyinformation relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XXXX 

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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

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 2023-04-21 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: NY

Complaint narrative:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XXXX 

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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

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 2023-04-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I make autopay payments on my American Express Delta card. I made an auto payment of {$500.00} on XX/XX/2023 for my XXXX monthly statement. After making my XXXX payment, American Express auto debited my entire remaining statement balance of {$11000.00}. When I called Amex to report this error since I had already paid {$500.00} for the month of XXXX, they issued a refund of {$9500.00}. Amex then issued another auto debit on my account for {$11000.00} on XX/XX/XXXX, and for the same amounts on XX/XX/XXXX and then again on XX/XX/XXXX. When I called Amex AGAIN, the rep told me that they had NO ability to STOP Autopayments!! They told me to call my bank and get a stop payment to stop the Autopay retry. My bank charged me {$30.00} to issue the stop payment on the Autopay amount. Amex then added the Autopay charge of {$11000.00} back to my credit card as if I had made a purchase in the amount of {$11000.00}. My original credit card balance at the beginning of XXXX was {$11000.00}. Since Amex issued a FRAUDULENT CHARGE OF {$11000.00} on XX/XX/2023, my balance DOUBLED to {$22000.00}! The FRAUDULENT CHARGE is NOT the result of any purchase, but solely due to Amex 's error. I have called Amex multiple times to correct this error and they have REFUSED to respond or return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These companies are reporting on my credit without a my consent.i have no contract with these company.they are violating my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This report is a concerning matter related to a recent transaction between my XXXX XXXX account and my Wells Fargo account. On XX/XX/XXXX, I requested a transfer, which was duly cleared on XX/XX/XXXX. However, despite the money being withdrawn from my XXXX XXXX account on the same day, the funds were not credited to my Wells Fargo account. 

I contacted Wells Fargo regarding the issue and was informed that there were no pending funds on my account, and I was transferred to the escalation specialist. The escalation specialist informed me that the funds would not show up on my account since the request was made on XX/XX/XXXX and that it would take 3 business days for the funds to appear. However, today, XX/XX/XXXX, marks the 3rd business day, yet no funds have been made available to me on my Wells Fargo account. 

This delay in the transfer is in violation of standard banking practices and is causing me significant financial distress. Furthermore, I am outraged that Wells Fargo has held my money, which was already withdrawn from my XXXX XXXX  account, without any reasonable explanation. This is completely unacceptable and unethical, and I believe it raises serious concerns about the ethical standards of Wells Fargo. 

Therefore, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Wells Fargo regarding this matter. I urge the CFPB to investigate this issue and take immediate action to ensure that my funds are credited to my Wells Fargo account without any further delay. 

Thank you for your attention to this matter.

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 2023-04-21 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: GA

Complaint narrative:
Experian, I am filing yet another complaint against your company. I continue to request your attention to this matter. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report immediately, pursuant to section 605B of the Fair Credit Reporting Act you have four days, Please send the required notifications to all furnishers of this information and send me an updated copy of 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 explanation
Consumer complaint received 2023-04-21 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: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I was on my XXXX credit file then I saw that my credit had decreased from a XXXX to XXXX so immediately i called XXXX an spoke with somebody and they said that I had a negative report on my account. I asked where is that coming from and they said from Convergent Outsourcing Inc then i immediately hung up and contacted Convergent Outsourcing Inc on XX/XX/XXXX. The amount was {$680.00} and they said it was from XXXX XXXX XXXX and They offered me to pay {$250.00} and said it would be marked as paid in full and removed from my credit. I also requested for proof of the receipt that said it would be marked paid in full, when I didnt get the receipt I made another call to them and they sent me the receipt which is attached. I disputed it with XXXX about 2-3 times already then XXXX was twlling me that the account is valid and I never made any payment. Convergent Outsourcing also said I never made a payment so I contacted them again and asked what are they talking about and they asked me to send proof to them which I emailed to them. They still told me they never received my payment and I was going back and forth with them and XXXX. XXXX took my dispute and as of today XX/XX/2023 its still coming back as the account is valid and i never made any payment.

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 2023-04-21 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: TX

Complaint narrative:
The company keeps reporting 99 days late with a loan from XXXX. I am not late and the accounts are paid in full. I disputed the information on the report and they still keep reporting false information. I have proof the accounts are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TX

Complaint narrative:
The company keeps reporting 99 days late with a loan from XXXX I am not late and the accounts are paid in full. I disputed the information on the report and they still keep reporting false information. I have proof the accounts are paid in full.

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 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Received a call from Radius Global Solutions on a dept from The XXXX XXXX for part of a Silver Coin collection I never received. The Coin is called the " TEMPEST ''. The amount of the XXXX is {$53.00}. 
I never received a written notice and on a call I received from Radius GS on Wed XX/XX/XXXX stated the letter was " in the mail : and I hadn't received it yet because they have " Only just picked up the account '' in XXXX XXXX stated they had shipped the coin which was never received, then promised to " re-ship '' the coin, which once again was never received. I have told this to them a number of times. 

Now I have a collection agency calling my personal cell and have yet to receive any written formal notice.

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 2023-04-21 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: AL

Complaint narrative:
Over the course of a year I have been unsuccessful even with valid documents getting the credit reporting agencies to block and remove fraudulent accounts as identity in USCS 15 1681C-2. XXXX does not abide by the FCRA Laws and are mis representing the laws as well as disregarding the Laws in removing fraudulent accounts, XXXX AND TRANSUNION ARE USING THERE POLICY 'S AND PROCEDURE INSTEAD OF What's In THE LAWS STATES, I FILED SEVERAL COMPLAINS, WITH TRANSUNION, XXXX NAMELY TO Block THESE FRAUD ACCOUNTS BUT WAS TOLD THAT MY POLICE REPORT AND IDENTITY THEFT AFFIDAVIT IS NOT VAILD AND I WAS REJECTED AID AND ASSISTANT BY BOTH REPORT AGENCIES. I ask that TRANSUNION AND XXXX HAVE Stiff FINES AND PENALTIES Imposed AS IDENTITY BY THE FCRA LAWS I HAVE ATTACHED ALL EXHIBITS TO THIS COMPLAIN TO REFLECT THE SAME IT A XXXX XXXX THAT I HAVE TO GO THROUGH THIS WHEN ITS CLEARLY STATED BY LAWS PLEASE THAT I ASK THAT TRANSUNION AND XXXX BE FINED INDEFINITELY PLEASE. Also tl not the only customer that's been done this way I'm not going for it at all.

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