vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2022, I mailed a personal check for {$490.00} to Capital One, in the window envelope provided with my monthly billing statement, along with the detachable payment coupon for my bill. I sent it to Capital Ones post office box, designated for mail-in payments. This was a full/timely payment of my monthly bill. On XX/XX/2022, Capital One informed me that my payment was never received and that I should expect late fees to be applied. I immediately confirmed with my bank that my payment was negotiated and my bank provided me with a front and back copy of the cashed check. The back of the check shows a scanned endorsement for a deposit into a business account with XXXX for another entity, and expressly references my entire credit card number. I provided this information to Capital One and asked verbally, and in writing on XX/XX/XXXX and again on XX/XX/XXXX, that Capital One conduct a thorough investigation concerning my misapplied/misappropriated payment. Instead, on XX/XX/XXXX I received a letter from Capital One ( dated XX/XX/XXXX ), informing me that my negotiated payment, payable to Capital One, was not endorsed or cashed by Capital One and that any temporary credits related to this dispute will be removed and that I need figure what happened to my payment. I received no explanation about how my payment, payable to Capital One and delivered to a presumably secure post office box was intercepted and by whom, nor why my specific credit card number appears beneath the name of the account holder where my misappropriated funds were deposited. I attempted several times to contact Capital One to discuss how to resolve this but have been unable to reach anyone in Capital Ones Payment Investigation Department. I completed an Affidavit of Forged or Missing Payees Endorsement for my bank and have asked my bank to investigate but am told that could take up to 90 days. Meanwhile, Capital One is re-billing me for the funds I already paid due to its own negligence in mishandling my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct number XXXX XXXXXXXX I did not provide permission for this to be reporting to my credit report. 


Please remove right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed and sent a total of {$4000.00} through XXXX ( {$1500.00} ) & XXXX ( {$2500.00} ) to a scammer who lead me to believe he was the owner of the house I wanted to rent. This happened in late XXXX of 2022. 

I called my bank to see if they could get the funds back since it was a scam and they said no. XXXX & XXXX were also no help in getting my money back. They investigated the scam and never got my money back or updated me on their findings. 

It would be great to get this money back. This person who scammed me created a receipt for my deposit as well as a lease for me to sign. It turned out that he did not own the house and had no right to lease it to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: CA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX. I have been having an account issue with y'all getting my accounts deleted, and y'all support team isn't resolving it. My username is XXXX account XXXX address is XXXX, and my other account email is XXXX. Please delete that account, too. For that XXXX, I don't have the XXXX every time I try to delete it, and it says I have a pending dispute open, and I don't. My chat case number to review my issue is # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried to call transunion to call about these unauthorized inquiries and I was faced with discrimination from their company and they were very rude and inconsiderate of my problems and I have unauthorized inquiries on my credit report such as 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

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 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
jefferson capital keeps contacting me about a debt i do not owe {$1200.00}. I have called in many times over the years to tell them that is not mine i have never had an account with the original creditor XXXX  XXXX XXXX and they stop for a while then continue to send me out written notices about the same account that i have already said i don't owe its been going on over seven years now i just found out about this resource your company offers so i reached out to get this resolved its not being reported on my credit so i couldn't file a dispute about it. its really just annoying at this point. 

JCS  Reference number XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, the below accounts has violated my rights : XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Partial Acct # XXXX XXXX XXXX XXXX- Partial Acct # XXXXXXXX XXXX XXXX XXXXXXXX - Partial Acct # XXXX XXXX XXXX XXXX - Partial Acct # XXXX XXXX U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXXE XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open.

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 2022-12-08 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: PA

Complaint narrative:
I've mailed several letters out to Equifax regarding inaccurate items on my credit report that they are reporting and I received a letter in the mail from Equifax stating that they received my request regarding my credit file but they are unable to locate a credit file for me. I have several accounts open and reporting on my Equifax credit file along with the inaccurate accounts they are reporting so I find it strange that they can't seem to locate a credit file for me as if I don't exist. I called Equifax and spoke with XXXX different representatives that both were able to pull up a credit file for me and also they both said that they didn't receive any letters from me which again is strange because if they didn't receive anything from me then why am I getting a letter from them about my recent request. Equifax has had me going in circles for months and no one at the company has offered me a resolution to solve this issue I'm having. I was told to fax the letters with my identification although I've already mailed letters certified. The representative I spoke with said its a big company and things get lost ; However it is no fault of mine and she also said she doesn't feel comfortable filing a dispute over the phone with me because they have an address on file for me from my home in California and since im not currently at home right now she can not file a dispute because my mail would go there. This makes no sense to me whatsoever and this huge mistake they are making has already cost me over {$250000.00} that I can not recuperate! According to the 15 U.S.C Sec. 1681i ( a ) if they can't provide proof, these accounts must be deleted. They have had XXXX days to complete the investigation and failed to do so on their end. The accounts I asked them to investigate are XXXX XXXX # XXXX, XXXX # XXXX, and XXXX XXXX XXXX. 
15U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened a new capital one quicksilver account after being email I was pre-approved. Apon visiting the capital one website I see they are running a 1.5 % cash back offer, but also a XXXX $ cash rewards bonus for spending XXXX $ in the first 3 months of opening the card. I spent about XXXX dollars less in my first billing cycle. I called in made a payment on time, then inquired about the cash rewards. The employe advised me I need to spend " a little under XXXX '' to get my credit in time for my next statement. Now another 30 days have passed I made sure to spend the XXXX $ amount. The employees now inform me they don't even know what cash special I could be speaking about. I then went to the capital one official website brought up the card and the offer is still currently on site as advertised as I described. I took screen shots let the employe know, she then switched me to a supervisor that also stated no such offer existed. I instructed her to good about such rewards and that it is still currently present on their site. As well as some credit blogs that are being paid to.post about this ad avaliable to new capital one customers. I have screen spotted the sites and capital one site as proof of offer, however staff still says I am making offer up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$18000.00} Status Open.

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX ) A charge of {$16.00} was processed on my Wells Fargo credit card on XX/XX/XXXX ( Can be found in the pdf statement dated XXXX ). Reference number XXXX XXXX ) I got a notice of a pending payment on my credit card, so I paid the balance off on XX/XX/XXXX ( Can be found in the pdf statement dated XXXX ) XXXX ) I realized the transaction was a fraudulent transaction and reported it to Wells Fargo ( Can be found in the image file XXXX ). 


XXXX ) WF fraud team got in touch and wanted me to contact the merchant ( XXXX ) directly. I got in touch with XXXX and got the charge revoked. The card was linked with a different user account ( no information on whose account it is ). Card unlinked from account XXXX ) WF fraud and customer care team confirmed that transaction has been disputed, promised written resolution and refund of paid amount ( {$16.00} ). Credit card cancelled due to fraudulent transaction XXXX ) Same charge re-appears in the statement a couple of months later ( Can be found in pdf statement dated XXXX ). Interest has been charged, the payment is not reflected and a late payment has been reported to the credit agencies XXXX ) I try to get in touch with XXXX fraud team online and over the phone. No response from either team XXXX ) I physically go to a XXXX branch and have a staff member connect me with XXXX fraud team. I am assured that my balance is clear and my credit report is clear as well. I checked my credit score and the late payment is still on my record ( as of XX/XX/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 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: OR

Complaint narrative:
Starting XX/XX/XXXX, I have been denied depositing a pay check for no reason. The first check I was told to have replaced, after 2 weeks of fighting my employer they finally replaced the check. I tried to deposit the new one and it was also denied. I contacted customer support and was told to try and deposit the check in person. I endorsed the check to Chime ( bank ) already and was denied depositing the check. Ive been in contact on multiple occasions with customer service and nobody will tell me why I can not use the checks. I can not replace the check a XXXX time as the employer believed I was committing fraud for needing a replacement the first time and its been over a month of this. I have called and emailed Chime many times over the past few weeks and they had me going in circles and are now not responding to me at all. I havent spoken to a single person that works for the bankthey all say they work for the app. Nobody has told me why I cant deposit the checks. I need this money to keep a roof over my head and feed myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: DISCOVER BANK
State: GA

Complaint narrative:
I have an account with Discover and they keep saying that I owe them money and that my credit balance is money that I owe to Discover. They say they lent me money from their reserves and that I owe them money and that they did not do anything with my information but simply confirm whether or not to approve me but did not receive any value from my information. I am demanding that they credit my account and they do so whenever a balance appears on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: CA

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 confidentiality under 15 USC 1681. 
Account nameXXXX XXXX # XXXXhas 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.this is a Fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been trying to get Equifax to investigate and correct inaccurate information on my credit report. I sent a letter to them XX/XX/XXXX and I have not received a response back in over 30 days. I also tried to fix this with the furnisher, but they failed to investigate and failed to validate the information.

Company response to consumer: Closed with explanation