vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have opened a XXXX credit through Wells Fargo bank. I have used the card only at a few stores. A few weeks later I receiced a text message asking me to verify recent transactions which I did not make nor approve. Additionally, there were several attempts made to use my credit card a week prior by someone else on XXXX XXXX, but I never received communication about that from a bank. The transactions just got denied and I was not notified that someone was trying to make unauthorized purchases. Once I confirmed that the purchases were not authorized, the replacement card was sent my way. Once I received a card, I wanted to activate it but I was informed that it was already compromised. So my card was compromised even before it was activated. In total, I had XXXX XXXX credit cards.

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 2023-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have already filled out the report on a previous report to this XXXX and it clicked me out that I did not want to be identified as filing the report. It was a mistake and I am XXXX XXXX and want this report to be tied to the previous report to this one. It happened in XXXX XXXX Texas with the XXXX XXXX XXXX XXXX transfer of money thru the Chase account and thought Chase was notified they would not stop the money within only hours of the original transfer of money. 
This report should be connected to the previous report I have already sent by hitting the incorrect key.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: CA

Complaint narrative:
I disputed a few accounts numerous times on my credit report and I see the information is incorrect and it is still on my credit report the fair credit act XXXX account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX a lemon as well XXXX XXXX As well as my bankruptcy were handled I asked them to remove it from my file my rights were violated 15 U.S.C 1681 section 602 A states I have a 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 with 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 2023-02-19 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-19 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: MN

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 U.S.C 1681 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To whom it may concern, This message is in reference to the contract signed on XX/XX/XXXX for the XXXX XXXX XXXX with XXXX and XXXX of XXXX. I am providing clear and conspicuous notice of the fraudulent contract. 
I spoke with a salesman concerning the automobile approximately 2 weeks prior to signing the contract. I was told that a downpayment was required to strengthen my credit application for the automobile or I would be more likely to be denied credit. I provided the amount of {$4000.00} in cash to the dealership to pair with the credit application. I was approved and a finance charge was imposed on me by the creditor, Wells Fargo Auto. The finance charge was paid, the dealership received the credit for the automobile, and the automobile was released to me.

This is fraud because 15 USC 1662 ( 2 ) states, No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. The creditor can not arrange any downpayments in any amount according to 15 USC 1605 which states, ... The finance charge does not include charges of a type payable in a comparable cash transaction In the face of these two laws, there is no reason for a downpayment to be required for the purchase of credit. It is the responsibility of XXXX and XXXX of XXXX to provide proper disclosure since a representative of their organization was present, and not a representative of Wells Fargo Auto. 
These inconsistencies can not be misconstrued as bona fide errors due to the Federal Truth-In-Lending Disclosures section noted on the contract. Truth-In-Lending includes all subsections including and in-between 15 USC 1601-1667f, which they have the responsibility to uphold. Therefore, XXXX and XXXX of XXXX willfully chose to commit fraud by omitting this knowledge, harming me as the consumer when they were charged with the responsibility to ... protect the consumer against inaccurate and unfair credit billing and credit card practices. according to 15 USC 1601.

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 2023-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
3 collections XXXX. I contacted XXXX in the past couple months regarding a debt collection claim on my credit report. XXXX replied from XXXX website claim they are not collecting and to contact 3 other debt collectors they named off in reply. They would not provide any debt validation. They are still reporting non proven debts on credit report and have not removed. XXXX has been in legal problems with collection and not sure why mine is not being removed from my report because they are not the debt collectors and are not collection under. Credit Bureau refused to resolve in dispute. Debt age is approximately XXXX, XXXX, and XXXX but fact is still shows updated XXXX of XXXX as being correct under their debt ownership claim. It is not correct debt ownership. I contacted a lawyer but unfortunately I am not one of their selected favorites to receive better treatment under fair debt reporting and told no. I am given the run around but will report XXXX XXXX elsewhere. I am not ignorant to rules. If reported and no bankruptcy filed then to be reported legally. Not legally reported.

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 2023-02-19 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-19 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( copy & paste each one from your credit report that is negative right here ), 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 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 2023-02-19 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( copy & paste each one from your credit report that is negative right here ), 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, 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: Early Warning Services, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX Consumer # XXXX Dispute Case ID : XXXX XXXX XXXX I had a Fraud claim open with Early Warning disputed Fraudulent Bank Openings with XXXXXXXX XXXX  and XXXX XXXX XXXX XXXX XXXX I have sent them a police report identity theft report and copy of my signatures in front of a XXXX XXXX XXXX have lied and said they did an investigation and lied. I have contacted these Bank Institutions also. 

Early Warning already have the necessary paper worked sent to them via mail form the previous disputes Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: AR

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 Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Child Support SER Account # : XXXX XXXX Bank ( XX/XX/2020 ) Account # : XXXX XXXX Bank ( XX/XX/2020 ) Account # : XXXX XXXX Bank ( XX/XX/2020 ) Account # : XXXX XXXX XXXX Bank XXXX Account # : XXXX XXXX XXXX A Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Tennessee Dept. of H Account # : XXXX US Department of ED Account # : XXXX has violated my rights as follows 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 which I have NOT provided. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX sent {$420.00} to PayPal on my behalf.paypal sent an email to me at XXXX advising I had {$420.00} in my PayPal account and asking do you accept this money.i clicked the big green emblem accepting the funds.then PayPal asked what I wanted to do with the funds.two choices I selected deposit in my bank account XXXX  XXXX XXXXagain 2 choices instant deposit for a fee or delayed deposit no fee.i selected instant deposit.a fee of a little over {$7.00} appeared asking did I accept this fee.i indicated yes.balance of {$420.00} supposedly was deposited.upon checking with my bank no such deposit occured I was advised to contact PayPal.after several unsuccessful attempts to get the funds I instructed PayPal to refund the {$420.00} back to XXXX XXXX XXXX a small business I did business with so I could have XXXX  send my funds to a reliable source my bank recommended XXXX and further to close my PayPal account.paypal agreed.the owner of XXXX sent me a screenshot of PayPal sending the refund then stopping.i contacted PayPal again `` your refund was deposited in your bank account '' Wrong.wasnt.paypal still has my funds.the last supervisor I spoke to and recorded said I was lying about initially requesting the money be deposited in my bank and being charged a fee.she was rude and gave me the impression that my refund would be sent back to XXXX next week whether I liked it or not.im contacting corporate Monday but don't expect much better treatment.oh they recorded all these conversations and so did i.i feel at XXXX on a fixed income both XXXX abuse and cival rights abuse apply herem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Debt is being reported as charged off for 3 Comennity accounts in my name that the credit has failed to provide verification of debt for and has now begun hanging up when I request this via the phone since my letters are being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I have tried on multiple occasions to pay my mortgage. On XX/XX/XXXX of 2023 I paid XXXX dollars because Mr. COOPER keeps reversing the payments as if I havent paid. I spoken with someone multiple times about thr issue and they are reporting to my credit bureau that I haven't paid. They keep reversing the payment to try and force me to refinance or go to a plan they have at a higher interest rate. It states I've been behind since XXXX and I have made payments through their o line portal, with a representative and each time they say their system is messed up. This issue needs to be fixed along with a letter regarding reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-19 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: Block, Inc.
State: AZ

Complaint narrative:
Last year XXXX XXXX XXXX was merged into Cash App Tax. I tried to access it through XXXX XXXX, I was unable to and my data was shared with XXXX XXXX without my permission including personal identification information such as SSN and date of birth. I then tried to access my taxes through Cash App, however I am unable to. After verifying with a code to my email, the app asks for a code sent to an old phone number. There are no other options provided to access the account and despite already providing a code I am unable to log into the account. There is no option to contact customer support to assist. There is only a chat with a bot that provides the same response and does not connect to anyone representing Cash App. My Tax forms for previous years are stored with this company, I did not want that but the forms were shared by XXXX XXXX as a result of them " merging '' although now they claim to be XXXX XXXX.

Company response to consumer: Closed with explanation