vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. 
I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. 
I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX | XXXX - {$19000.00} XXXX XXXX | XXXX - {$0.00} XXXX XXXXXXXX | XXXX - {$0.00} XXXX XXXXXXXX XXXX | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} 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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. 
I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). 
I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. 
I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX | XXXX - {$19000.00} XXXX XXXX | XXXX - {$0.00} XXXX XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX  XXXX - {$0.00} XXXX XXXX  | XXXX - {$0.00} XXXX XXXX XXXX XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
FBNO accessed my credit report when I applied for a card. Then they sent me a letter demanding copies of my drivers license, a signed copy of my SSN card, and two years worth of W2s or 1099s. When I called them, they refused to explain why they needed those documents. Why would they? I have NEVER had any credit card company ask for those items.

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 2023-09-26 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I put in an online transfer for {$6000.00} from my XXXX XXXX XXXX XXXX XXXXXXXX checking account to be deposited into my Wells Fargo checking account. The fraud department froze my account and called me to verify that I made the transfer. I verified it was me who made the transfer. They told me they would unfreeze my account and make the deposit for me. I checked my account the next day, and the money was not there, and there was no pending transfer for {$6000.00} listed. I have called every day and been told that they are processing the transfer and I would have it in one day. It has been a week, and I still do not have it. Every time I call now, they tell me they do not know where the money is and that no transfer is being processed. They refuse to give me my money and refuse to send it back to XXXXXXXX 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 2023-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hello! I live in Maryland and bought a used car at a XXXX Dealership in Ohio. Wells Fargo provided the loan for my purchase but now they say that it will take them another 4+ weeks to send the title to Maryland so I can register the car, even though they have the title on hand. Unfortunately, my temporary plates expire in less than 4 weeks, and I first raised this to Wells Fargo several weeks ago, so this timeline will not work for me. Wells Fargo is offering no solutions to this problem so I am submitting a complaint. I have asked several times if they can expedite this process and was told that there is no way to expedite. I am not sure why this is should take 4 weeks to send a title when they already have the title on hand - they said I could not even submit a request the state-to-state transfer until they had the title on hand, so I already had to wait a few weeks for them to receive the title only to find out about a new 4 week delay.

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 2023-09-26 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:
On XX/XX/23, I made a purchase on the XXXX  app for {$150.00}. I paid extra for a quicker delivery.The item in my order was a pair of sneakers, the sneakers was needed for my upcoming vacation on XX/XX/XXXX. The sneakers didn't arrived by its XXXX date. The carrier XXXX kept changing the information on the online tracker. Stating that the sneakers was out for delivery but yet never came. I contacted XXXX multiple times to no avail in receiving help. Seeing that my package clearly was never going arrive, I made a dispute with my bank ( Chase ). Chase denied my claim because according to them XXXX submitted proof that the item was delivered. The proof they submitted is just a black photo. There's no way I received the sneakers on XX/XX/XXXX because I was already on vacation. ( I have the itinerary to prove that ) A rep at Chase, told me I could file another dispute for the same transaction being that XXXX was suppose issued a refund. Once again Chase denied my refund. I never received the products and I been robbed out of {$150.00}. If my bank not going have my back when it comes to merchants then who will? Who suppose hold these companies and financial institution accountable? 
I submitted evidence on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
These accounts affect me and are reported incorrectly, delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I received my ordered credit card ending XXXX. Though I have been with Bank of America for 20 years they said I had to verify my identity in a banking office. I explained that I was traveling for work and if I could verify myself in an affiliate office, to which the agent said they were not sure. He directed me to some offices in XXXX and they said they could not verify me. I said I will make a stop in XXXX  on XX/XX/XXXX and they said that would be fine. In the meantime, a week before my flight, I received a letter saying the account was closed. I called the bank and they said they had closed it for fraud speaking with the fraud department I verified I indeed applied for the card and have it in my possession and already purchased the airline ticket to come to the XXXX, which they said as long as I went to the bank to verify myself I had 60 days and they will open the account again. This has not happened and several agents and managers have given me false information. I demand to be compensated for the flight, car rental, and hotel costs because I would have not gone to LA in the first place to verify myself if I'd been told the correct information. It also has caused mental and emotional stress from being told different things. I have recently spoken to XXXX who told me the fraud would be lifted and the card reactivated but XXXX XXXX in underwriting says they won't be able to do so until the fraud department lifts the flag, so yet another manager has lied to me.

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 2023-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
I have a shared debt with my ex to XXXX XXXX XXXX XXXX XXXX. that was escalated to a debt collector ( Love Beal & Nixon ) in XXXX. 

First of all, I tried refinancing with XXXX XXXX XXXX and told them that if they couldn't refinance with me I wouldn't be able to make my payments, as my ex ( the co-owner on the car ) backed out of his share on payments when we broke up. They would not even consider it. So I had to voluntarily surrender my car. 

Secondly, I was never served ( I never received a summons! ), yet somehow I ended up sued. Apparently the summons went to my ex 's address and I didn't know about it until my ex told me what happened after the fact. Nevertheless, I made a payment arrangement with Love Beal & Nixon, the debt collector. 

I had been making automatic monthly payments of {$50.00} to Love Beal & Nixon since then ( XX/XX/XXXX ) until XX/XX/XXXX, when I changed banks and forgot to update my payment method with Love Beal & Nixon, and my payments to them stopped. The last payment was on XX/XX/XXXX. 

Nobody ever contacted me in any way to try and collect the debt again, but my boss got a letter in the mail yesterday ( XX/XX/XXXX ), stamp dated XX/XX/XXXX, from the state to garnish my wages. 

I called Love Beal & Nixon this morning at XXXX XXXX and asked if I could continue making my payments and they told me no, it was too late. Then the lady I was speaking with told me the state already took over {$500.00} out of my check on XX/XX/XXXX, which isn't true. I got paid my regular amounts on the XXXX and the XXXX, and I verified with my boss that nothing has been garnished. She flat out lied to me, giving me false information that wouldn't even be Love Beal & Nixon 's concern anymore. 

I also have call recording on my phone, but somehow they blocked recording, which makes them even more shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address 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 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Back in XXXX of 2022 I was at dinner with a client and my card was not working citi called me and asked me if I had made purchases on XXXX or XXXX. 

I have an XXXX business and I often use XXXX so I told them it was me and to please approve the purchases as I was at dinner with a potential client and investor trying to pay my bill and was embarrassed that my card kept declining. 

To say I suffered emotional duress would be an understatement. In the heat of the moment I was just trying to pay my bill and I feel citi used this against me later down the road. 

At the time it was only a couple of XXXX dollars and that did seem reasonable to me as I often use XXXX for my business and personal needs and I have gone to XXXX to purchase things in the past. 

What I did not know at the time until I was trying to do my taxes with my accountant is that someone had stolen my card number and had made {$18000.00} worth of purchases at XXXX. Which was definitely not me. 

These fraudulent charges were not done using my XXXX account. For over 15 years I had XXXX credit and I have never overspent in the past. 

This past year my credit has suffered and I am struggling to make payments for items I never purchased. I am drawing in interest from these fraudulent charges and Citi is not helping me at all Over the past year I have made several fraud disputes with Citi but they refuse to work with me. 

They keep telling me to contact XXXX but since these fraudulent charges were never made using my XXXX account because it was not me they have not been able to help me either.

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 2023-09-26 00:00:00
Product: Credit reporting 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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