vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My identity was compromised and someone used my social to apply for several credit cards under my name where I never applied for new credit cards or lines of credit. I called and spoke with all 3 credit bureau agencies and the creditors to resolve this matter and was unsuccessful in getting them to remove it. I explained to the credit report agent my identity was stolen and I was never authorized for store credit or credit card application. I was not the person applying for credit when I asked the credit card agent at the fraud department to tell me what address they had on these applications they told me that they didn't have that information to give me. According to the FCRA, my credit report must be accurate and I didn't apply, authorize, or consent to run any inquiry on XX/XX/XXXX, XXXX, of XXXX for credit. All of these inquiries from XXXX XXXX, Experian, and XXXX Must Be removed and deleted immediately as follows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be deleted for all inquiries submitted by the hackers.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XX/XX/2023 I requested them to investigate this information. I tried to contact them numerous of times and no respone.

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 2023-12-17 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: FL

Complaint narrative:
n 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. 

( XXXX ) Account # XXXX ( XXXX XXXX  XXXX ) XXXX XXXX XXXX, ( XXXX ) Account # XXXX ( XXXX XXXX XXXX ) ( Transunion ) Account # XXXX ( XXXX XXXX XXXX, Account # 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 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: FL

Complaint narrative:
n 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. 

( Experian ) Account # XXXX ( XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX, ( XXXX ) Account # XXXX ( XXXX XXXX XXXX ) ( XXXX ) Account # XXXX ( XXXX XXXX XXXX, Account # 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: UT

Complaint narrative:
Dear Sir/Madam, Can you please help me resolve my issue for the gift cards I bought from XXXX store on XX/XX/2023. 

I bought 4 gift cards in total and 3 of those cards were fraudulently used in Arizona. 

I tried using the cards in XXXX and XXXX and was getting declined transactions for the next 10 days and all the while calling them why I can not use the cards at all. On XX/XX/XXXX, a hacker used the cards at XXXX XXXX in Arizona and I immediately called them about this. 

Each card I have to call separately as they told me that is how they process these cards that I have issue with. The first card the agent agreed and sent me a replacement card for it. The next succeeding call the agent denies my replacement saying I authorized the transactions. With this the other card they have approved for replacement was also denied back. How can this hasppen as I am in Utah and never set foot in Arizona. 

Another thing that I want to get resolve is that they blocked my phone number when I am calling their customer support and I have to resort using other family members cell phone so I can connect thru and follow up on these. 

I have attached a copy of the receipt ( XXXX ). My utah id, record of the fax transactions dated XX/XX/XXXX Also their letter of denial claim and the copies of the cards I am disputing. 

You can contact me at phone number ( XXXX ) XXXX or XXXX if you need more information to prove that I did not try to scam USBank gift card and with their effort to thwart scammers by denying me to use my card in turn the card was compromised by other people. 

Thank you for your kind understanding.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
there were so many hard checks on my credit report i had no idea that they were there.not to metion i didnt consen t or aprove any of those checks in my name. 
those were just a few of the negitivle items to impact on my scores.i didnt have enough time to adress all the wrong things and information on my reports i didnt know was there i would like every single hard check removed asap please and thank you. 
id advise every consumer to pay close attention to their credit reports to avoid huge issiues like this one. 
ive attached the pdf file below listing alll the XXXX hard checks. 
i wish i had know about this and alot more problems & solutions alot sooner

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
there were so many hard checks on my credit report i had no idea that they were there.not to metion i didnt consen t or aprove any of those checks in my name. 
those were just a few of the negitivle items to impact on my scores.i didnt have enough time to adress all the wrong things and information on my reports i didnt know was there i would like every single hard check removed asap please and thank you. 
id advise every consumer to pay close attention to their credit reports to avoid huge issiues like this one. 
ive attached the pdf file below listing alll the XXXX hard checks. 
i wish i had know about this and alot more problems & solutions alot sooner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
there were so many hard checks on my credit report i had no idea that they were there.not to metion i didnt consen t or aprove any of those checks in my name. 
those were just a few of the negitivle items to impact on my scores.i didnt have enough time to adress all the wrong things and information on my reports i didnt know was there i would like every single hard check removed asap please and thank you. 
id advise every consumer to pay close attention to their credit reports to avoid huge issiues like this one. 
ive attached the pdf file below listing alll the XXXX hard checks. 
i wish i had know about this and alot more problems & solutions alot sooner

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 2023-12-17 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Recently I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that COMENITY BANK didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

COMENITYBANKXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX : Complaint Against Credit Reporting Agencies for Failure to Respond and Correct Personal Information** To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies : [ Name of Credit Agency 1 ], [ Name of Credit Agency 2 ], and [ Name of Credit Agency 3 ], for their failure to respond adequately and correct inaccuracies in my personal information on my credit report. 

1. **Description of the Problem : ** On XX/XX/2023, I discovered inaccuracies in my personal information on my credit reports. The issues include [ list specific inaccuracies, such as incorrect name, address, or accounts ]. These errors are not only misleading but also have the potential to negatively impact my credit score and financial opportunities. 

2. **Steps Taken for Rectification : ** In an effort to rectify these inaccuracies, I contacted the aforementioned agencies on XX/XX/2023 and provided them with the necessary documentation to correct my information. This included [ list the documents provided, such as identity proof, address proof, etc. ]. Despite my efforts and provision of adequate evidence, the agencies have failed to respond or make the necessary corrections. 

3. **Impact on Me : ** The lack of action from these credit reporting agencies has caused me significant distress and potential financial harm. The inaccuracies in my credit report may affect my ability to obtain loans, secure housing, or even gain employment, as these reports are critical to these processes. 

I trust that the Consumer Financial Protection Bureau will take this matter seriously and help in resolving these issues promptly. I am willing to provide any further information or documentation as required. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights 15 U.S.C 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 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In the following days I couldn't find my card and called Wells Fargo customer service to report my los card.. Date XXXX The case number is XXXX 

Date XXXX  called again customer service tell them to freeze the through the Well Fargo app they had stolen the amount of XXXX XXXXXXXX XXXX  from me had made the purchase of a Clipper chip with my card. claim 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 monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
For well over 30 years I have been a client of JP Morgan Chase Bank. I am very frustrated that they have not adequately resolved the problem I have with stolen funds from my account. Two times within a week thieves went into my account and removed more than {$600.00} each time. I was happy that Chase Bank did promptly replace the funds both times, but the second time, Chase went into my checking account and took back the second amount of money sent to me. This was done without notice beforehand. It was clearly evident that those responsible for this crime did this illegally ( each time only {$49.00} was removed, but this was done, something like12 times each time. Until I had no more money in my account. Please, I beg you to look into this matter. My account with Chase Bank is now closed. I fear opening another account, not just with Chase but any bank where characters can easily get into your account and take what they want. It would have been better to have kept my money at home under my pillow. It is not just the money I am missing, but the hurt of not knowing how this is done. Let me inform you of a few details in this matter. Not too long ago. I received a letter from an employee of Chase Bank, named XXXX, XXXX, Branch Complaint Escalation group. Stating that " we'll stop contacting you about your recent concern ". We have not been able to reach you. I do not know if this is true or not. But I received nothing, but this letter and a notice that my claim was denied.. My closed acc # XXXX The case number listed was XXXX Incidentally, the Telephone number of XXXX is XXXX ext XXXX have tried calling her at least XXXX or more times and the only response I get is " out of office ". She would not respond to my voicemail either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Overdrawn reimbursement of obersrft

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 2023-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Subject : Unresolved Charges Dispute Regarding XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention an ongoing issue I have encountered with my credit card provider, Capital One, related to a recent rental car transaction with XXXX. 

I utilized XXXX for a rental car service and took the necessary steps to avoid additional charges, including refilling the gas tank and using my personal toll pass. To my dismay, I was billed for both gas and toll fees despite complying with the rental agreement. 

Upon noticing the erroneous charges, I promptly filed a dispute with Capital One, which initially resulted in a refund. However, to my surprise, a subsequent price adjustment led to a reiteration of the charges. Despite providing conclusive evidence of having refilled the gas and utilized my own toll pass, Capital One has been unresponsive and unwilling to address this matter satisfactorily. 

I am seeking your assistance in resolving this issue and ensuring a fair and accurate resolution to the disputed charges. Your intervention in facilitating communication between myself and Capital One would be greatly appreciated. 

Thank you for your attention to this matter, and I trust that the Consumer Financial Protection Bureau will help in rectifying this situation promptly. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17 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: GA

Complaint narrative:
This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. 

The following false accounts have been deleted by XXXX after an investigation, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX I have attached highlighted removed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Team I did purchase ticket using Points, i have to reschedule the tickets basis on the airlines time change, where Airlines agreed to issue refunds, since i booked through Third part portal they took some time to refund, in the meanwhile i closed my credit card, i never got back my points or cash, they delay is due to the Chase travel, which is part of chase. Chase unable to validate, stating they are third party. 
I had several call with Chase travel and Chase card unable to resolve.

Company response to consumer: Closed with monetary relief