vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I requested a Pre-qualification From Wellsfargo Auto Finance I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from a credit company " XXXX ''. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because WellsFargo is one of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( Wells Fargo Auto Finance ). 

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 2022-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
It's been over 6 months that Capital One has changed off credit card account and has not yet sent me a 1099C. I am asking Capital One to CEASE AND DESIST from reporting income as debt on my credit report. Also I'm revoking any and all Power Of attorney allowing Capital One of reporting my nonpublic financial information to third parties Corporation, and nongovernment agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report 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 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 explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I hired XXXX XXXX XXXX to create my website and app called XXXX XXXX. Through Chase Bank I sent two payments over {$8000.00} to this company. When my first payment XX/XX/XXXX was sent via XXXX to XXXX XXXX XXXX the payment was processed under the name XXXX. When the second payment XX/XX/XXXX was made XXXX XXXX XXXX then changed their name to XXXX XXXX and the payment was processed to XXXX. Their phone numbers changed several times. The XXXX XXXX XXXX was supposed to be available for download before XX/XX/XXXX and three months of marketing was supposed to be included prior to app launch ( XXXX ). In addition the matching website wasn't completed to onboard the contractors in order for them to work which would have needed to be up and running before XX/XX/XXXX. 
When I spoke with XXXX XXXX XXXX about my concerns that it was eight months and I still don't have a live website or app I was told that the person who works their and signed a document stating they would deliver my app, website with three month of marketing prior to app launch. The person no longer works there and he signed the document and they're not obligated to do anything. I reported the wire fraud to Chase bank. Ultimately, when I spoke with Chase bank in XX/XX/XXXX they didn't help they told me to deal with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I made a purchase from XXXX on XX/XX/XXXX for XXXX of the exact same pairs of sneakers just different colors in the amount of XXXX. The package arrived with empty shoe boxes inside. I contacted the merchant and they said they could not refund me and to contact my bank. I opened a dispute with Wells Fargo. They closed the claim in my favor providing me with full credit of XXXX. Then days later they deduct XXXX of the XXXX from my account saying it was a mistake being the merchant credited my account {$610.00} on XX/XX/XXXX. I explained to several representatives that the refund for {$610.00} was for a separate transaction. They told me I would need to provide proof that the {$610.00} was for a separate transaction. I faxed and emailed their claims department a copy of my receipt for the original transaction showing the price of each pair of shoes was {$640.00} plus tax along with a copy of return information for the separate transaction in the amount of {$610.00} that XXXX was able to provide me. They kept closing my claim saying they never received my documents despite me calling within XXXX days of emailing or faxing the documents to confirm they received them and being told they have them and were working on my claim. They closed the claim yet again as of XX/XX/XXXX which is what I was told today because they say the documents are too blurry to read despite the first rep I spoke with saying they could view them clearly and despite them sending me an email on XXXX/XXXX/XXXX saying they are still working on my claim. But I'm being told since the claims escalation rep says they were blurry they " can't do anything for me '' and they also now are saying it's past the timeframe for them to do anything despite me sending over the documentation they have requested at least 5 times since XX/XX/XXXX. Pretty much no one wants to do their job and could care less because it's not their money. I want my money back as they are taking my money for a refunded transaction that has nothing to do with the disputed transaction and I've provided documentation to prove so since XXXX. I've also included time-stamped emails proving the dates that I previously sent over the documentation requested. And on top of that, no one ever reaches out to contact me. The email says if they are unable to reach me they will base the decision on what they have. They've closed the case several times and no one has ever reached out to me to say they never received the documents, weren't able to open the documents or their new excuse that the documents were blurry.

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 2022-12-06 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I have contacted Credit Control Services several times and they know this account is fraud, But them keep reporting it back with a different account number to make a new collection trade line on my credit file. I do not live nor have I lived in XXXX XXXX  I live in XXXX XXXX and I have been a XXXX XXXX XXXX XXXX  for over XXXX XXXX in XXXX XXXX  I will next be filing a civil action against this company Credit Control Services if this account isn't removed off my Credit file with all three credit Bureaus in 48 hours. enough is enough.. I will not stand for fraud on my file. I have file a report with FBI and NC insurance commissioner to investigate this company Credit Control Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, this letter is a formal request to remove the following outdated information from my credit report. 
1. XXXX XXXX XXXX - XXXX In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 
1681c ] reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of XX/XX/2016, Per the state of Florida Statue of limitation of 5 years for derogatory credit accounts. 

I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. 

Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter. 

Thank you for your consideration and cooperation in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I requested a XXXX XXXX XXXX XXXX XXXX I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from a credit company " Transunion ''. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because XXXX is XXXX of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( 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 2022-12-06 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: NV

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. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX  I, 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.

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 2022-12-06 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to XXXX and TransUnion on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$34000.00}

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 non-monetary relief
Consumer complaint received 2022-12-06 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: MT

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. )

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 2022-12-06 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: MD

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I Deposited Money Into A XXXX XXXX XXXX ATM Machine But With My Navy Federal Credit Union Card. I Deposit An Amount Of {$2000.00} In Cash Into The ATM, At The End Of Deposit I Got A Receipt Back And At The Bottom It Said Transaction Not Permitted. The Machine Did Not Give My Money Back. I Have Been Trying For Over A Week With Both Banks To See How I Could Retrieve My Funds. Navy Federal Is Now Working To Retrieve My Funds For Me. I Just Keep Getting The Run Around And Now Im Out Of {$2000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I received the letter with your dispute results and I need to know WHY these accounts are still remaining or you are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from your company! These accounts are still reporting errors.Each one has different accounts open dates. Thats inaccurate right? How can this be?! Please explain to me how your agency has so-called verified these accounts? Im allowed to ask and youre REQUIRED to answer. 
So how did you do it?! 
Who did you talk to in the creditors office? 
Did you send them the information about the account that I sent in? 
How did you send it to them? 
Did you fax it, did you mail it, did you use the same mailing address and/or telephone number listed on the credit report that I have What did you do? And furthermore, what steps did this agency take to ensure that the creditor actually investigated my dispute rather than just fraudulently telling you that its been verified? 
The FCRA says that you have to tell me this within 15 days if I ask. And please do not send me any more of your generic response letters of how you use various methods. Im asking for SPECIFICS on exactly how your agency actually verified these accounts that you are erroneously reporting about me and I need the full name of the person you spoke with or who told you electronically that it was verified. 
If you do not know then you need to find out and shame on you if you do not know because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response or XXXX verification is unacceptable. I am requesting a RE-Investigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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