vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation and blankly ignoring the laws that they are by law to follow. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

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 as well XXXX  - acct # XXXX XXXX- acct # XXXX XXXX - acct # XXXX XXXX XXXX - acct # XXXX XXXX XXXX  XXXX - acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( clear violated ) 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 I did not give you all any 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. 

According to the FCRA if after any REINVESTIGATION of any information disputed by the consumer, a item of the investigation appear to be inaccurate, incomplete, or can not be properly verified the consumer agency 's must Delete and remove immediately. 

Please provide me with the following items for each account : *original contract with my original signed signature *Written permission to furnish account on my consumer report *PAY off disclosure *Interest Rate Disclosure *Balance History *Payment History *credit insurance This is the last time I contact you for accurate reporting before I hire a consumer lawyer to assist as well as seek any money for furnishing the account damaging me mentally and emotionally. 
I have all the evidence to do so.

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 2023-05-11 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: TX

Complaint narrative:
All the major reporting agencies have the documents that showed XXXX  XXXX XXXX was removed from the report in XX/XX/XXXX because it was more than 7 year 's since last payment was XX/XX/XXXX, now that XXXX mortgage has the same account that was deleted, and reporting false information, the credit reporting agencies are refusing to delete the account that is 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 2023-05-11 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: TX

Complaint narrative:
All the major reporting agencies have the documents that showed XXXX  XXXX XXXX was removed from the report in XX/XX/XXXX because it was more than 7 year 's since last payment was XX/XX/XXXX, now that XXXX XXXX  has the same account that was deleted, and reporting false information, the credit reporting agencies are refusing to delete the account that is 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 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo charged my account several overdraft fees when the account was not low. They moved money or did not authrorized transactions causing a lot of fee over 5 to 10 years. Class action lawsuit against Wells Fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: VT

Complaint narrative:
I was contacted by Capio Partners LLC for an alleged debt they claim I owe from XX/XX/XXXX in the amount of {$230.00} to XXXX XXXX XXXX. Capio Partners is attempting to collect this debt on behalf of XXXX XXXX XXXX. On XX/XX/XXXX I contacted Capio Partners via phone to request verification of this debt and was sent an account statement dated XX/XX/XXXX that stated there was a {$0.00} balance and that it was not a bill. They have since not verified the debt further and were sent a formal written notice via certified mail on XX/XX/XXXX ( recieved XX/XX/XXXX ) requesting further verification of the debt with documentation from the original creditor and have not received any contact. It is now XX/XX/XXXX. They are continuing to attempt to collect this debt despite not verifying the validity and ownership of this debt. This debt was paid by health insurance at the time it was issued and the documentation sent by Capio Partners clearly reflects a XXXX balance on the account. They claim in a letter sent with the first collection notice that the reason for the XXXX balance reflection is because the debt was sold to XXXX XXXX XXXX and then purchased by them so the account was paid according to XXXX XXXX XXXX XXXX. This is not sufficient verification that the debt is owed and owed by me. They have put a derogatory account on my credit report for this alleged debt even though it has not been verified and new CFPB rules enacted XX/XX/XXXX state that medical debt less than {$500.00} can not be added to a credit report. They have engaged in numerous dishonest, misleading, and illegal collection practices and are causing damage to my consumer credit report for debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In the month of XXXX, I sent my rent over to my landlord, and it was cashed up to my understanding. But later on, I realize that it was cashed by someone fraudulently it was not who my check was originally made up to it was made to a completely different entity, which I send out every month as you can see it is XXXX properties XXXX and it was cashed by XXXX XXXX what you could also tell that the check was altered from who it was originally sent you if you were to compare from the other checks from my previous months, you would see the difference and in my current months, he would also see if the check would be checked number XXXX and all Im looking for is a solution to be able to get my money back and have this rent paid. If not, I will definitely look into small court to be able to get this solved, and it wouldnt be any more for the amount on the check, it would be for more because I am being charge late fees from my landlord because of this matter. I have never made out a check to XXXX XXXX, so the fact that it is being mentioned that the check does not look altered. Please look into the check that was deposited and compare it to the previous checks of my rent which everything else matches perfectly except for the fact that the name was changed. There is also a report that the mailbox mail was stolen on the day that my check was put in the mailbox as this happened to another tenant in my building. Wells Fargo was not up to par protecting my funds as sometimes my debit card gets flagged for even XXXX dollars that I charge for fraud and it couldnt flag a check of over {$1000.00} made out to someone Ive never made out a check to. I request this to be fully investigated as XXXX XXXX has no relationship to me, and all my checks that have been sent to my right as it is shown at the bottom for XXXX rent it was not specified for anything else and it comes to be the same amount that it is every other month.

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 2023-05-11 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank - XXXX I was the victim of fraud. I was unaware the card was being used and charges were on it. I spoke to Discover once the matter came to my attention. I advised them it was fraud and they advised the item would be removed. I even went as far as paying the charged off amount because I didn't want a bad relationship with Discover even though I was the victim. Discover is refusing to remove the matter off of my credit report, even though the amount has been paid in full, even though it was communicated fraud occurred on the account. At this point I'm being nailed to cross for a matter that I had no hand in and the company has been made whole, in full, with the payment of over XXXX that was remitted once I was made aware of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: NC

Complaint narrative:
Every week money is deposited to my cash app account from my job. The perks of cash app was that i could lock my card to prevent transactions from transpiring without my consent. Anytime money is spent using my card, cash app updates the total immediately to deduct the money and sends notifications. The deducted total says pending until the merchant fully accepts the purchase. Lately Ive been ordering things from XXXX using my cash app card randomly Ive been getting notifications that my totals have been updated to different amounts from purchases two or three months ago that was deducted twice in one case three times. I called cash app their excuse was that they had technical issues which is a lie. Every time Ive made purchases my balance is deducted. To be certain I wasnt tripping I searched cash app, stealing money from people on XXXX and XXXX. I found many people having the same issue where money is deducted two or three times from their accounts with no evidence to why. When they reached out to support, they received the same answer as me that there was a technical issue that occurred between XX/XX/XXXX and XXXX XXXX. I did my part in trying to dispute my transactions but i just need my finances back i was charged three times for a transaction on XX/XX/2023 {$210.00} then {$170.00} then {$210.00} every time i was charged the amounts were deducted from my funds in my cash app  account. Then on XXXX XXXX i was charged {$360.00} for a transaction that occurred XXXX XXXX months ago so i was charged twice once when i originally made the purchase and again on XXXX XXXX which was almost my whole check so due to them taking my money i cant get to work or pay my bills. Please not that the screenshot of the XXXX transaction with the tires there was a reward balance taken off the displayed balance i paid the difference which was {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NJ

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 OF XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX CARD : XXXX, XXXXXXXX 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 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 2023-05-11 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: NJ

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 OF XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX : XXXX, XXXX CARD : XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2023-05-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/23 - I made a donation in error of {$10000.00} to a XXXX XXXX and after reviewing the " XXXX  Giving Guarantee asked for a refund on XX/XX/23 of {$10000.00}. 

XX/XX/23 - I received a email notification from XXXX I would be receiving this full refund in 3 - 7 business days.

XXXX - Have not received the refund and Capitol One who I made the donation through is saying my claim is not valid and is putting this charge back on my credit card. 

XX/XX/23 - I have reached out to capitol one after receiving their notification to better understand why and they have told me it is not their decision by a decision by XXXX they are bound by? They are also telling me they do not have the proper information which I have provided and also attached to this complaint. Capitol One forwarded documentation presented by XXXX that does not include any of the documents I provided to Capitol One. 

XX/XX/23 - In a call with an employee in the dispute group when I asked about the notification I received from XXXX regarding the refund and that I provided to Capitol One the response was " XXXX made a decision to give the favor to the merchant. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent a wire transfer of {$33000.00} to Capital One National Association Account # XXXX, Routing # XXXX. Transaction reference # XXXX. Recipient is a business that is unable to deliver the merchandise that the payment was for and is unwilling to refund the money. Finally, on XX/XX/XXXX, I tried to work with Capital One National Association to track down the funds and rectify the situation. However, Capital One representative verified that the funds could be recalled but only if I was Capital One banking customer myself. I do have a Capital One credit card, but that's the extent of my current banking relationship with Capital One. I do not think this policy makes any sense and would appreciate Capital One 's cooperation in trying to recover these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Snap Recovery, Inc.
State: FL

Complaint narrative:
SNAP DEBT RECOVERY XXXX XXXX XXXX XXXX XXXX I have no account with this company. They have violated my rights over and over again!!! 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Company responded that I settled payment and arrangement. Our client, XXXX XXXX, submitted a debt to our office owed by XXXX XXXX XXXX. All supporting documentation has been provided to the claimant and the debt he owes has been validated. The amount owed is {$1900.00}. On XXXX XXXX XXXX XXXX offered to settle the debt for a one time payment in the amount of {$1000.00} which our client authorized this office to accept. XXXX XXXX never made a payment of any kind, in any amount. XXXX XXXX contact this office on XX/XX/23 and was advised we would still accept the {$1000.00} settlement to resolve the debt. He again promised payment stating he would call back with payment information. As of today, no payment has been made. Please provide dates, contact names, times, employee record, call logs and alleged original debt contact with authorization form which i gave consent to release my information with negative credit reporting. I have NEVER CONTACTED NOR SIGNED ANY AGREEMENT WITH THEM. I DO NOT HAVE AN AGREEMENT WITH YOU. EITHER REMOVE THIS FILE IMMEDIATELY OR I WILL FILE A LAWSUIT FOR VIOLATIONS and REPORTING INACCURATE DATA WITHOUT CONSENT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation