vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Credit 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: NY

Complaint narrative:
I applied for and received a credit card with the number ending in XXXX from wells fargo in XX/XX/XXXX. Someone with access to my information was able to fraudulently request a duplicate card be sent to me on XX/XX/XXXX. They were able to obtain the tracking number from XXXX and have it rerouted to a different location. They activated the card and made three cash advances on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  totaling {$1100.00}. I received a fraud alert from Wells Fargo when the unauthorized user attempted to use the card to make a {$1300.00} purchase at XXXX XXXX and was denied. I called Wells Fargo that night, XX/XX/XXXXXXXX  to report the fraud, have the card cancelled, and have a new card sent to me. I also filed a police report with the XXXX. Wells Fargo has repeatedly denied my claim of unauthorized charges after multiple phone calls over month.

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 monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I XXXX XXXX have noticed some accounts on my credit report I have listed supporting documentation below. These are the accounts that need immediate removal XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-08 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
Recently checked my credit profile these following accounts are fraudulent ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX . Those listed accounts are hindering my credit profile and me from buying a new vehicle and house. Multiple attempts on my end was made to remove these accounts due to their fraudulent nature. I would like these accounts removed 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 non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I previously filed a complaint against Portfolio Recovery and they said they would investigate the issue. I had an account with XXXX XXXX that was closed on XXXX. After falling behind, I was eventually able to pay the account off in full and had the account closed. 

Portfolio Recovery stated they purchased the account from XXXX XXXXXXXX in XXXX and XXXX XXXXXXXX Confirmed to me directly and never responded through the CFPB Complaint that they had sold the account to Portfolio Recovery. I submitted proof from my credit Report to Portfolio Recovery, showing the account was paid in full and closed on my request. 

Portfolio responded that they would investigate the issue, but didn't despite claiming they did. I filed a dispute with the Credit Reporting Agency about the original account in question against XXXX XXXX and XXXX confirmed the account was paid and closed. So Portfolio never had any intentions to stop illegally trying to collect a debt that never existed. 

They then, Closed the collection account contained in XXXX, but the closed account still negatively reports a debt that never existed and I'm unable to dispute it, because it's not in collection, but still negatively harms my credit and left the collection accounts in the XXXX reporting agencies open. 

This company is hell-bent on making me pay for a non-existent debt or make me financially suffer for not paying something I don't owe. They are literally extorting me. 

I ask that CFPB intervene at this point. XXXX XXXX has not cooperated with CFPB and Portfolio has no interest in obeying the law, but rather giving lip service. 

The lies and deceit by this company should not be allowed and they should be heavily fined and or sued by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy. Pursuant to 15 USC 1681 b2, this company has no permission to report anything using my information pursuant to 15 USC 1681 4.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am reaching out for what I believe is an invalid debt on my credit report since the court hasn't authorized the debt as valid yet. This eviction was filed last XX/XX/2022 and we're still waiting on the court hearing date. Therefore, it is still an open case. 

Additionally, this was garnered by a habitability issue and I best believe that the case will go in my favor. Please see attached files that support my side. However, I do understand that the case is still open and the outcome has not been determined yet. 

I have reached out multiple times to XXXX, XXXX XXXX XXXX but they wouldn't consider. I have not receive a response from the National Credit System. How were they able to determine that the " Collection '' should be on my credit report when the Eviction case is still ongoing, we don't have a hearing date yet and no judge has ruled or decided on who should be responsible for the said collection. The apartment has inhabitable for months. I have submitted a counterclaim on XXXX XXXX that they actually owe me since I was not able to stay in the apartment that I was renting out because it was inhabitable due to raw sewage seeping through the ceiling. I had to pay for hotel stays, etc. for me to be able to stay in a safe and comfortable place. 

I just dont believe its fair that it is already reflected in my credit report, affecting my credit score when the case is still open and we dont even have a hearing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out for what I believe is an invalid debt on my credit report since the court hasn't authorized the debt as valid yet. This eviction was filed last XX/XX/2022 and we're still waiting on the court hearing date. Therefore, it is still an open case. 

Additionally, this was garnered by a habitability issue and I best believe that the case will go in my favor. Please see attached files that support my side. However, I do understand that the case is still open and the outcome has not been determined yet. 

I have reached out multiple times to XXXX, XXXX XXXX Equifax but they wouldn't consider. I have not receive a response from the XXXX XXXX XXXX. How were they able to determine that the " Collection '' should be on my credit report when the Eviction case is still ongoing, we don't have a hearing date yet and no judge has ruled or decided on who should be responsible for the said collection. The apartment has inhabitable for months. I have submitted a counterclaim on XXXX XXXX that they actually owe me since I was not able to stay in the apartment that I was renting out because it was inhabitable due to raw sewage seeping through the ceiling. I had to pay for hotel stays, etc. for me to be able to stay in a safe and comfortable place. 

I just dont believe its fair that it is already reflected in my credit report, affecting my credit score when the case is still open and we dont even have a hearing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JPMORGAN CHASE Slashed almost all of my limit on my FREEDOM card stated that a periodic review my my credit tempted them to take the action and even though i immediately paid off all my debt they wanted to make hard inquiries on my credit before making a a decision to reinstate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received an email from Chase.com saying an account was open in my name. We called the number they provided. They needed to verify it was me and I gave them my social and date of birth. They were then fishing for more information and we realized what just happened and hung up, but I feel the damage is already done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in XXXX  to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I had transferred from my personal checkings {$200.00} then XXXX XXXXnow I was told that the {$200.00} would be available in five days..While waiting for that transfer I transferred {$300.00}. They made {$200.00} available amount I believed was the original {$200.00}. And on the XX/XX/XXXX I should have had {$300.00} additional. instead they debited the {$200.00} then the remaining {$170.00}. I was told someone withdrew the {$200.00}. I did not withdrew any money. I am in XXXX I was told this took place in XXXX XXXXXXXX XXXX I told them I am at address associated with my account and I have not been in XXXX XXXX since XX/XX/XXXX. I was told they would investigate..and now I looked at my account and they sold the remaining of my stocks.without my authorization as to close my investment account at Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Fradulent charges on the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023 XXXX XXXX  XXXX charged my card for {$500.00} which is an unauthorized transaction. I have contacted my bank on XX/XX/2023 because that {$500.00} was for the remaining amount of my Rent & Utilities. Were now in XXXX and I need the money back. I have faxed them proof supporting my dispute with Bank Of America for the {$500.00}.

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 monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
Hello my name is XXXX XXXX im a victim of identity theft..I was XXXX  the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
XX/XX/XXXX I got a notification from XXXX which I pay for that Sunrise Credit Services placed a account in collections from XXXX stating the original debt is {$1000.00} and the current balance is {$1000.00}. I called Sunrise Credit Services today and was told they could not pull up any information on me, so then I was transferred to another dept which I stayed on the phone waiting for someone to come the line to assist me for XXXX minutes and no one came to the line. I was asked to wait while they look for someone and the last thing I was told was they couldn't find anyone to help me. I told the representative that couldn't find any information with my social security number that I haven't had XXXX XXXX  and if they had tried to reach out to me I would've provided them with that information before sending it to all three credit bureaus. Below is the previous complaint I filled for the same debt but different amounts. I don't know if this company is using another name or the debt keep being sold. 

XXXX XXXX XXXX is reporting a debt owed to XXXX that I do not owe because I never opened an account with XXXX. I received the first notification of this on XX/XX/XXXX from my XXXX account that sent me an email notification that a collections was added to my file. It was sent to XXXX that I owe {$1000.00}. I called the company and was told by XXXX that I owed {$600.00} to XXXX for an address that I never lived at in XXXX. I told her I could prove that I lived in another state and I also around that time I was a victim of Identity thief, so please send the account back to XXXX and remove this from my report within XXXX hours. I also told her that I never received anything from them to give them this information before they sent this to the XXXX XXXX XXXX XXXX. I called again today XX/XX/XXXX and spoke with XXXX XXXX who stated now she could not pull up the account without having my social security number or the account number which I did not have because it isn't listed on the XXXX account below with XXXX and I was not going to give her my social because XXXX the day before pulled it up by my name only. I pay for this service monthly and have been paying for it since XXXX due to being a victim of Identity thief. They are reporting inaccurate information 1. Owner of Debt 2. Amount they said they had on file and the amount reporting to XXXX 3. Reporting as past Due on someone's XXXX amount on my report Account Number XXXX  Original Lender XXXX XXXX Agency Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Balance {$1000.00} Current Balance {$1000.00} Responsibility Individual

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 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I tried making a " peer to peer '' payment to a friend through Moneylion -- Moneylion autopopulated a user, ostensibly from information pulled from my phone 's contacts, and sent through {$75.00}. It turned out not to be my friend, but a total stranger, and now they nor moneylion will do anything to fix this error/misleading suggestion.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
All and any accounts 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 an account without my written instructions.

15USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I filed multiple disputes with Equifax credit bureau to fix an incorrect Educational Loan balance with Multiple disputes. Despite providing updated account information from the loan company, each dispute is returned with no updated change on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I HAVE A LETTER FROM AFFIRM STATING LOAN WAS REPAID IN FULL, THE LOAN WAS IN DISPUTE WITH XXXX XXXX, THIS TOOK QUITE SOME TIME, AS I KEPT IN CONTACT WITH THE CREDITOR OF WHAT WAS GOING ON, I HAVE LETTER TO UP LOAD FROM XXXX IT IS THE 3 CREDIT REPORTING AGENCIES THAT CONTUNIALLY MESS UP MY CREDIT SCORE NOT UPDATING INFO, WRONG INFO, DEROGOTORY INFO, OR NOT EVEN LOOKING AT A DISPUTE CASE. NO LATE PAYS PAID IN FUL 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