vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I saw Wells Fargo pulled credit for my name on XX/XX/23. I did not authorize it and didn't know why it was pulled. Today, I received a XXXX XXXX XXXXXXXX XXXX credit card for {$3400.00}, which I never applied. I called Wells Fargo and couldn't get rep on the phone or a fraud department rep on the line. It is saying that I have spent {$2800.00}. I have never even been in a XXXX XXXX XXXX XXXX  store.

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 2023-02-18 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: SC

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 Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX, XXXX Acct # XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX. Acct # XXXX Has all violated my rights. 

15 USC 1681 Sect 602 A. States I have the right to privacy. 

15 USC 1681 Sect 604 A. Section 2. It also states a consumer recording agency can not furnish an account without any written instructions. 

15 USC 1681 ( 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. 

15USC 1681 s-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 explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
I am from Louisiana and found a car I was interested in buying online in XXXX, Tx. I spoke to the dealer and made arrangements to purchase the vehicle. I had a friend bring and drop me off to do so. XX/XX/2022 I purchased the vehicle from XXXX XXXX. Not being able to review the contract while in the company of the finance manager representing XXXX XXXX due to no copy being supplied and having to rely on a video display and the finance managers word I didn't realize the vehicle price was altered to a higher price than advertised and agreed upon. Nor was there any explanation that my loan would be transferred to NMAC and that they would be tacking on all these finance charges. I would later found out all this information after I sent a debt validation to NMAC and they returned a contract for validation. This contract along with another that would eventually be sent during my communications with NMAC are both dated incorrectly with separate dates all of their own and with signatures I did not sign. These signatures are replications from a computer copy and paste as they are all identical with obvious discrepancies from copy and paste method. After communications with the TX XXXX and my case review XXXX XXXX the investigator with enforcement division of the TX XXXX issued a violation 215.242 to XXXX XXXX in lieu of this deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: UT

Complaint narrative:
Cash app took the money had in my debit account and they took money from my savings account. I contacted customer service after not having my money so I contacted then they said it wss for a transaction. they won't yell me specific transaction I am only guessing. Then I see a transaction that I did not make so I disputed it. Then I asked if I could know who or where the purchase wss made from such as an ip address or something no. I told cash app to look at my account in both the merchant and bank no I told them stealing my money is not ok. That they can't just take my money especially from my savings. They are responsible for letting my account be used/breached by someone and thru flat out TOOK my money without even letting me know. They won't answer any is my questions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
The MoneyNetwork website and phone customer service line are not in sync with regards to trying to recover a lost PIN. There is no alternative to calling their XXXX number and the automated service menu doesn't recognize the account number, despite my being able to log in to the account. And in the account there is no PIN functionality at all, not even mention of it within the log in site, just the incorrect instructions on the external site. 

It's not even obvious if these people even exist anymore. But I'm quite confident they're earning interest on the funds that taxpayers can't use because of failing to provide basic PIN update functionality. 

The account has the full EIP XXXX amount just sitting there, and without a PIN is of no use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: NY

Complaint narrative:
I purchased multiple items on a site called XXXX for the first time back in XXXX for a total of {$500.00}. Its a company in XXXX XXXX and I ordered XXXX shipping and it was suppose to arrive in a few days. It took up to two weeks for the package to finally be in my city. I waited and waited and then the day it was suppose to arrive I never received what I was suppose to get. ALL MY ITEMS IN THAT BOX WAS GONE. I contacted the merchant to see what's up and one of you guys clearly stated " to wait because the status can be marked as delivered when it wasn't '' | was told to wait and it's been days after and I still didn't get my package. I CONTACTED MULTIPLE TIMES EVER SINCE THIS INCIDENT AND NO ONE HELPED ME. Their automated system clearly told me if I didnt receive my item please contact your bank or carrier which is what I did as shown in one of the pictures I provided. I eventually filed a dispute with my Chase and a police report to get backup. I've been in contact with XXXX and law enforcement for the past 2 months. XXXX told me the package was either lost or stolen. I don't know who to believe but law enforcement are still investigating it because there was so much valuable items in that one box and it's all gone. I emailed them constantly and none of my emails went through for the past 2 months and it's frustrating that I have to keep contacting to keep a resolution. Then all of a sudden Chase resulted the claim in their favor because the purchase was authorized I CLEARLY TOLD CHASE IT WAS AUTHORIZED AND NOT FRAUDULENT. I JUST DIDNT RECEIVE THE SERVICE I ORDERED FROM THIS SCAM COMPANY CALLED XXXX. A representative named XXXX at the Chase Claims Department put my claim in the wrong category. She put my claim as a unauthorized transaction when it was authorized I just never received the service I paid for which was the whole point in the first place. I ordered shoes from this same company around the same time too and they never shipped it out and its been two months. it's killing me that i don't have my items and a case was closed in the favor of a website that is sketchy. I dont want to pay back money for a service i never got. I have all evidence of everything. I have the police report and everything. My chase account email is XXXX. Im just hoping anyone and I mean anyone that can please reach out to me as soon as possible and help me appeal the claim or do something because it was closed in their favor. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian recently dropped my credit score by close to XXXX points, from XXXX to a little over 800. I contacted them and their response was : " We are not licensed credit advisors, so we can not attempt to explain exactly why your score changed. We would like to provide some information you may find helpful. '' They went on to list 5 things that can lower credit scores, like opening a new account, getting delinquencies, adding to credit limits, etc. I have had NONE of those, yet my score as compiled and reported by Experian dropped. When I contact them, they claim they can not explain why a score drops. 

What kind of insanity is this? People live by their credit scores and a sharp drove can strongly affect them, but the credit company can not explain why THEY reduced my credit score. Can you help me with this hypocrisy?

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 2023-02-18 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
My {$500.00} vanilla gift Card got replaced twice both times comprromised and put on hold. I don't trust trying another replacement would rather a check and not have to deal with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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 violater my federally protected consumer rights ro privacy and confidentiality under 15 u.s.c.1681 XXXX XXXX 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 with out my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse items of information other then records of convicted of crimes which antedates the report by more than seven years 15. u.s.c . 1681 s-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 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a couple emails about an attempt to open a bank account with Bank of America. This occurred on XX/XX/XXXX. I was also enrolled in mobile and online banking but the emails didnt have any account information. 

I then received an email stating the account couldnt be opened as a result of lack of identification. 

I tried calling the bank but couldnt make it past the automated systems. 

On XX/XX/XXXX, I received a statement in the mail for a short period from Bank of America, XX/XX/XXXX to XX/XX/XXXX. There wasnt a balance in the account. 

I tried calling again but couldnt make it past the prompts without my social security number. I refused to enter that.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
At the end of XXXX, My credit score on Experian was horribly reduced from incorrect labeling and information on their end. I was an additional card holder for an account that my parents are the ones who are accountable for, I am and never was legally responsible for it in anyway ever. They also had my parents address listed on my credit report as a previous address for me but I never lived there and it was due to the error mentioned above. After finally getting it resolved at the end of XXXX, XXXX, the address is back on my report and they are now missing a previous closed credit card account I had with XXXX XXXX and in the past 72 hours ( XXXX XXXX ) my credit score has dropped almost 50 points because of incorrect information, outdated balances and removing information that helped me and adding information that is false and I removed less than a month ago and hurts me. Further more I signed up for their membership at the end of XXXX to be proactive and prevent any issues like this from happening again and it still happened and they removed utilities from my report on XX/XX/XXXX that they added which boosted my credit score after I submitted a dispute with them because it was showing the previous months bill amount that was paid in full and reduced my score on XX/XX/XXXX. They system wont add it back but they still have it listed under their XXXX  benefits and they state that they update monthly but they clearly dont since it had my previous balance still showing that had been paid in full since XX/XX/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 2023-02-18 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX XX/XX/2022 They are reporting inaccurate information on my credit report I have asked several time for them to verify the information is mine and they have not this inaccurate information need to be deleted off my credit report

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: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
All of these charges were brought about during my XXXXXXXX XXXX XXXX. Theire client XXXX XXXX neglected to use my Medicaid insurance along with my Medicare insurance which they have copies of both. I did not receive mailed statements for services rendered and aslo had no copays of these amounts. As of this writing they still do not do proper insurance billing as it is faster for them to send to Merchants Credit Collection. I no longer owe XXXX these debts as they were given to Merchants Credit

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I was checking my consumer profile when I noticed this alleged debt from a company named CCS Collections on my XXXX report, So attempted several times to dispute it and of course, it came back verified, This was last year some time, So I looked up the company and found out that according to XXXX XXXX XXXX, They are not registered and have no license to even attempt to collect a debt from anyone let alone from the state of XXXX, So I reached out to them to dispute this alleged debt and the several violations of my consumer rights. The first XXXX is I the consumer don't owe this company anything and I never gave the original furnisher written Permissible Purpose by law to sell, publish or report any of my personal information to any third-party reporting agencies so that would be identity theft, Aggravated identity theft according to 18 USC 1028A . Secondly transactions according to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; about this alleged debt. 
My last attempt was me reaching out to the address I found online CCS Collections XXXX XXXX XXXX, XXXX MA XXXX I don't even know if its a real location or a virtual address and I sent out this letter XX/XX/2023 to that address

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: IN

Complaint narrative:
I am a natural person, I am a living human being i have right under 15 USC 1681.

Equifax is govern by the 15 usc 1681. and they violated my right numerous of times I demand the account listed below to be removed because according to the 15 usc 1681 : i have the right to privacy and i did not give Equifax written permission the furnish these accounts accounts : XXXXXXXX XXXXXXXX XXXX XXXX Balance {$7000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Total balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX  Balance {$930.00} Balance updated - XXXX XXXX XXXX 
Original creditor XXXX XXXX Balance {$810.00} Balance updated- XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$280.00} Balance updated XX/XX/XXXX 13inquiries These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: SC

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 Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX, XXXX Acct # XXXX XXXX XXXX. Acct # XXXXXXXX XXXX XXXX XXXX. Acct # XXXXXXXX XXXX. Acct # XXXX Has all violated my rights. 

15 USC 1681 Sect 602 A. States I have the right to privacy.

15 USC 1681 Sect 604 A. Section 2. It also states a consumer recording agency can not furnish an account without any written instructions.

15 USC 1681 ( 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.

15USC 1681 s-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