vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX has failed to provide enough information to support validation of debt requested by me the consumer. Attached is the most recent letter they sent me, PLEASE READ THE LETTER CAREFULLY AND URGENTLY 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 2022-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the XXXX  or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of XXXX  and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX which were transferred from my wallet XXXX utilizing Crypto.com services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received a series of emails from Bank of America stating that a new account was opened under my name. As a result I called BOA and described my issue in reference to the issue. They were able to detect that a checking account was successfully opened as of today XXXX under my name. I declared that this was not actions of myself and this was fraud. They closed the account and stated that I reach out to this agency to advise them of the action.

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 2022-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Scammed to send money through XXXX app for {$200.00} with fraudulent images of transactions for XXXX XXXX sale. I received no benefit from the transaction and no product was exchanged. Have filed an FBI report, XXXX report and contacted my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Accounts are still showing that have closed. XXXX 
Why am I seeing an update in job history, I'm currently still employed there. 
I'm see many inquiries from XXXX. I only own 1 card. I see 3 to 4 inquiries. 
Account was not delinquent from Capital One in 2020 & has since been in good standing since 2020. 
XXXX still remains after 2 years of inquiry. 
XXXX XXXX XXXX XXXX XXXX was never used. 
Remove any emails. 
2 to 3 address on my account that I don't reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: GA

Complaint narrative:
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.

15 USC 1666B : A Creditor may Not Treat A Payment On A Credit Card Account under an open end consumer credit plan as Late For purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: GA

Complaint narrative:
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.

15 USC 1666B : A Creditor may Not Treat A Payment On A Credit Card Account under an open end consumer credit plan as Late For purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Problem Obtaining A Credit Score With This Company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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, DEPTEDXXXX  XXXX # XXXX DEPTEDXXXX  XXXX # XXXX DEPTEDXXXX 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 604 A Section 2 states that a consumer reporting agency can not furnish an 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 2022-12-10 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: FL

Complaint narrative:
I had an unauthorized charge at a gas pump. The gas pump meter was running but not pumping gas. The company refused to refund me. I disputed the charge with XXXX but my claim was denied. I filed several complaints but when XXXX assigns a resolution specialist I try calling them and it goes straight to voicemail, I have never been able to reach the resolution specialist assigned to my case.

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 2022-12-10 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: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
In accordance with the fair credit Reporting Act Credit Acceptance Corporation Account XXXX, has violated my rights. 

15 USC1681 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 instruction 's.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: NY

Complaint narrative:
For several months, I have been trying to dispute negative accounts from my credit report, several times. Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 


Listed below are the negative accounts : XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$24000.00} XXXXXXXX XXXX XXXX {$20000.00} Attached below is the recent letter I filed.

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 2022-12-10 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: IL

Complaint narrative:
The Visa Vanilla card was purchased on XXXX XXXX. I called the Visa Vanilla phone number later that day to confirm the balance on the debit card. There was no balance on the card. Next day I returned to the XXXX 's store where the card was purchased. The person at the counter said we must contact the company directly to resolve the problem. I called the number on the back of the card. The individual said I must wait 24 to 36 hours before the balance will appear. I did that. There was a XXXX balance when checked. I called Visa again. I was told that I would have to file a claim. I was given an email address to send copies of the documents and given a case number. I emailed copies of the proof of purchase and my identification within 24 hours. I heard nothing for several weeks. I called again. No progress on my issue. I waited for a considerable time and called again. After repeated calls spanning several months I got someone who said there was a form I needed to fill out. They said they would email the form. Eventually after calling again I did finally receive the form in XXXX ( see attached email ). I returned the form back to the company as soon as possible ( see attached and dated pdf ). I received an email saying they received the form. After some time passed I called and was told it would take 45 to 90 more days before I should expect a reply. Finally, I received a letter from them. The letter said that there would be no compensation because I had not completed the form and submitted the documentation within their time frame. 
I submitted a protest letter via email explaining that I submitted the documents that were asked for and submitted their form once I had a copy in my possession. I received a rejection email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: TN

Complaint narrative:
In accordance with The Fair credit reporting act the list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 15 USC 1681c 856 no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of a conviction of crime which andates the reports 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 explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, 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.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, 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.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, DEPTEDXXXX XXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX US DEP ED XXXX XXXX XXXX US DEP ED 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 604 A Section 2 states that a consumer reporting agency can not furnish an 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 2022-12-10 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: FCC Finance, LLC
State: GA

Complaint narrative:
i am reporting that FCC Finance remove the debt owed from my XXXX credit report. I have tried disputing this with XXXX directly and they recommended. According to their website they are a home improvement loan company. I have never owned a home and I have requested several backup documentation on how they obtained this loan from XXXX XXXX. This company has failed to provide me with requested information such as proof on how they obtained the loan, if they are a debt collector and if in fact they own the loan the reporting of the loan does not follow federal debt collection procedures that a personal loan is charged off in 120 days for non payment. They have provided me with an allonge document that does not state FCC Finance as the purchaser or receiver of the loan. This inaccurate reporting has been determintal to my personal finances since it shows that it is past due for over 3 years with excess fees added.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
Ok hey im XXXX XXXX. I bank with Chime mobile banking. So on Tuesday XXXX the XXXXXXXX XXXX  as I was leaving XXXX XXXX XXXX in XXXX XXXX I received a text from Chime that said my chime number and email on my account had just been changed. I didnt do it as I was driving and I was confused. I got a bit worried and pulled over. So then I tried to login and check my Chime account. It said I cant login as I said earlier the email and number on my account had been changed. At that moment I realized someone had to have gained access to my chime account. I then proceeded to call Chime member services to report what had happened. Eventually an agent verified to me that my savings had just been transferred to my checking and then drained. I couldnt see it becasue I still had no access to my account. I then told him that was not me and I never authorized any money transfer as I dont even have access to my account at the moment. I then proceeded to open a dispute with chime for the unauthorized transaction. They said an investigation would commence and to send them what ever info I had at the moment. I did. Then I proceeded to try and get back access to my account as I was getting a direct deposit from my job in 2 days and I needed to be able to show the police the fraudulent money transfer to make a police report. I managed to gain access to my account again after being on the phone and verifying my info with a agent that same day at night XX/XX/XXXX between XXXX. I logged in and saw my savings was gone. {$3200.00} was transferred from my savings to my checking which made it {$3300.00} then it was transferred to another account as a pay anyone transfer. I was beyond stressed and obviously upset. I planned on going to the police station the next day and I did. As I got my police report and went home to show chime I was met with an email that the dispute has already been denied already in 1 day. Before I even showed them my police report. Clearly and investigation wasnt done. I was livid and told them to open it back up and to do a proper investigation and then uploaded to my report. I haven't gotten any resolution yet. I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, DEPTEDXXXX XXXX # XXXX DEPTEDXXXX XXXX # XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX XXXX XXXX US DEP ED 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 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: AL

Complaint narrative:
I have a credit card with fidelity card member services or fidelity bank and it is a Visa card. On XX/XX/2022 Fidelity Bank closed my credit card account without any prior notice or anything. I was not even notified that my account was closed by fidelity. I called customer service and I was not given a good reason for closing my account and I do not know why. I am NOt late in any payments and I always pay my credit card balance in full each month and there are NO problems with my credit card account with fidelity. Fidelity can not close my account just because they feel like it, they have to have a very good reason and legitimate reason for closing my account. I have done nothing wrong and I buy from the same retailers that I buy from for years and there are no reasons for them to close my account. This is very poor quality customer service and a very terrible bank and company. 
I want my account to be restored and reopened back again immediately and I want higher management to call me and explain why they closed my account for NO legitimate reason

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 2022-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Credit Union
State: CA

Complaint narrative:
Hello, This was a vehicle loan and I was in an accident in 2016. I could not fix the vehicle, so Alaska USA took the vehicle, fixed it and auctioned it off to satisfy the remaining of the loan. They closed the account stating it was paid in full. However, it is still showing on my credit report as negative. Alaska USA added the following comments to my report Remarks : Charged off as bad debt Dispute resolved ; customer disagrees This needs to be taken off of my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a XXXX dollar pay check on XX/XX/XXXX. The bank put a hold on my money until the XXXX of XXXX. I called twice and was told they could do nothing. Even though I told them I needed money to survive. On the XXXX of XXXX I went into the local branch. I brought my check in question and my pay stubs. He said he would try to release it. XX/XX/XXXX. They still will not release my funds.

Company response to consumer: Closed with explanation