vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2023 i went to the Chase bank atm located in XXXX, pa at XXXX XXXX XXXX XXXX XXXX. Inside a shopping plaza to make a ATM cash deposit. I inserted {$800.00} into the machine and it started making a lot noises. Then told me to take my money but it was no way to grab the money because of how it had a hold of the money with clamps over it. So after a min the machine then just took the money. i go to this same atm often to make deposits but this time the ATM ended up taking my money without depositing anything into my account. No receipt came out and on the screen it told me to call a number to make sure my money got deposited. I called the number they were able to deposit the money within a couple of hours while they investigate. Today XX/XX/XXXX i got a reversal for {$430.00}. I called and they are saying after they investigated i only deposited {$360.00} which is not true at all. I indeed deposited {$800.00} i didnt even insert any {$1.00} bills at all. It was all {$50.00} bills and {$20.00} bills. Please i need help this is my hard earned money that they took.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are two accounts and inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquiry from XX/XX/2022. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.

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 2023-05-25 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: TX

Complaint narrative:
PLEASE SEE ATTACHED FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a voicemail on behalf of Kohls sometime on or around XX/XX/XXXX to which I responded to by returning their call. I was informed they had yet to receive my payment. After looking further into the matter ( remind you I have never been late ) it was discovered that my address had not been updated and that automatic payment was not on ( which I thought I had my account set up for ). The payment was made at this time over the Internet as the agent stayed on the phone and the agent confirmed. My very next question to the agent was late reporting. The agent responded to me and I quote " You will not be reported late '' " Kohls reports late after 60 day period ''. My late fee was even refunded at this time. I promptly made sure my account was set up for automatic payments. 
I received notification from the credit bureau that I had a negative item being reported on my account on XX/XX/XXXX and it was Kohls. I then emailed Kohls 's customer care explaining the situation. Kohls responded with their " I don't care attitude '' that they were reporting correctly and there was nothing that could be done. Come on Kohls? Really Kohls??. I have worked in the credit bureau and that is far from the truth as we both know you can remove this reporting. I have been such a long-term customer of Kohls and XXXX am shocked at their response back. I responded to the email that I would be issuing a complaint through your office cfpb which brings me back to a complaint being filed. I thank you as always for your assistance in such matters. 
On a personal note, one would think that a department store would value its customer/s in a time of such disarray and uncertainty with the economy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am XXXX and regularly order from a food company, XXXX XXXX. Because I order daily, their drivers make excessive mistake. I filed claims with Wells Fargo claims department. They incorrectly charged my account back for XXXX XXXX errors. 

Then they charged me a XXXX $ overdraft fee! Then they told me my account was being closed for " excessive claims ''. These are unfair & illegal practices. Especially of withdrawal for overdraft fees per government regulations. 

Thank you for your attention and assistance with 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 2023-05-25 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: PA

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXX inquiry XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXX XXXX inquiry on XX/XX/2022 ; XXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXX inquiry on XX/XX/2022 and there is US DEPARTMENT OF EDU State XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX Account # 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

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 2023-05-25 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im XXXX  and have not used credit in some time, since XXXX I have had multiple inquiries in my report that are not mine and no knowledge of them, I have tried disputing to let them know they are unauthorized and possible fraudulent I had them on XXXX XXXX, XXXX XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX, XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XXXX, XX/XX/23 XXXX XXXX XXXX, XX/XX/23 XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: AL

Complaint narrative:
Experian has furnished several incorrect items on my credit report and have had to remove them at my request because of inaccuracy. They were never supposed to furnish the incorrect and invalid information in the first place. These discrepancies have caused damage to my credit file and delayed me from getting things done in my personal life. They are also still not removing some more information that I have told them was not accurate. If they got these inaccurate and invalidated accounts on my file and had to remove them, there is no telling what other information they have that is incorrect. It is their job to handle all consumer files with fairness and respect for the consumers right to privacy, and Experian is not doing 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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Hi, I received a denied auto loan application with an inquiry to my credit report that I did not requested nor apply from Exeter Financial LLC, is like the third time and third agency or company that I received this denied notification and I did not make any auto loan recently with this company nor XXXX  XXXX nor American from XXXX. I need that these inquiries be deleted and remove from my credit report I did NOT apply for an auto loan, because I moved to other state and I am working and lived near my work. FOR NOW I am not applyimg to any auto loan someone without my authorization and without my concern is doing this inquiry to harm my credit and when I decide to apply in the future can not apply because of those denied applications and credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Account reporting as XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Account reporting as XXXX XXXX XXXX XXXXXXXX.

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 2023-05-25 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: PA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: FL

Complaint narrative:
You are in direct violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 U.S.C 1681 SECTION 602 A. Clearly states that I have a right to privacy.

15 U.S.C 6802 SECTION B : I was not given the opportunity to opt out of reporting my information to a third party.

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless they have adopted reasonable procedures to ensure each statement is delivered to the consumer no later than 21 days before the payment due date. 

Remove these late payments and update to paid as agreed/on time immediately as you are in direct violation of several laws under the FCRA. 

I was not provided with the method of verification in a timely manner meaning this information was not verified.

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 2023-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I did a wire transfer for the amount of XXXX XXXX XXXX dollars on XXXX XXXXXXXX  from my banking on line from my account at Bank of America to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX and the money never got to the companies account. I have been talking to XXXX and XXXX XXXX the manager at BofA in XXXX Texas XXXX but they keep telling me that they are not responsible for this money. This transfer from my account to that company is not the first time i have done it and never had a problem. the last time i did a wire transfer to the same account it was in XXXX of this same year two months before with out a problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank is the credit provider for the XXXX store card. XXXX  went out of business and I have not been able to payoff the account. I have tried to contact XXXX at the phone number XXXX, regarding account number XXXX. This account was sent to XXXX XXXX XXXX, phone number XXXX. I have left several messages since XX/XX/2023, for them to call me back. No one has returned my call. 

Comenity is also the credit provider for my Victoria Secret account XXXX. I have tried to contact this company at XXXX to resolve this credit issue. This account has also been sent to XXXX XXXX XXXX. I have left messages, again since XX/XX/2023, for this company to return my call in order to resolve this delinquency. I have not received any calls to resolve this account. 

I have tried to reach Comenity for my account with Justice XXXX at the phone number XXXX. This account was sent to XXXX XXXX XXXX, phone number XXXX for collections. I have tried to contact this company several times, to only be given the option of leaving a message. No one has returned my call. 

I am trying to repair my credit, so I may achieve my financial goals and benefit from lower interest rates. I can not get any information on these accounts in order to resolve them. The continued delinquency reporting is hurting my credit. I need help getting these accounts resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just really want to know why I'm almost XXXX and I have no credit history and can't get a credit card or a loan because of it and what should I do or can I do about that please and thank you.

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 2023-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: SC

Complaint narrative:
The XXXX  department of labor uses a company called money network that inputs short term XXXX payments using their debit cards. I can not get the funds as the card was compromised and closed. Since XX/XX/2023 I have been trying to get resolved. Finally on XX/XX/XXXX I was told they ( money network ) will send me a check for the amount on the card. I called mid XXXX when no check was received. They keep telling me it should be received within ten business days. I have spent countless hours on hold. Each time they give a different date in XXXX. Today they just said 8 to 10 days from XX/XX/XXXX. They are obviously holding this money for some reason whether they dont have funds. I want my money and this company investigated for fraud. If you do a season reviews of complaints on this company you will see what Im writing about. Thank you.

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to request the immediate removal of an unauthorized inquiry from my credit report. The inquiry in question does not belong to me, and I did not authorize anyone to access my credit information. 

Upon reviewing my credit report, I noticed an inquiry listed under my name from XXXX XXXX and XXXX XXXX. I have no prior knowledge of this company, nor have I engaged in any business or authorized them to access my credit information. Therefore, I believe these inquiries are erroneous and should be removed from my credit report. 

Here are the credit inquiries that I want to be removed : XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX BANK INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX BANK INQUIRY DATE : XX/XX/XXXX. XXXX REMOVAL DATE : XX/XX/XXXXXXXX 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