vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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: NY

Complaint narrative:
XXXX myWells Fargo debit card was charged XXXX for a purchase I didnt make to firm listed as XXXX XXXX. XXXX XXXXNever heard of them I notified the bank I didnt authorize or use that service.The bank cancelled the debit card and issued a new one. Approx. I attempted to contact the merchant but could not connect with a human, went round and round with telephone prompts but was never able to connect With a individual1 week later I received a denial letter from Wells Fargo on claim # XXXX. 
I called the bank several times to discuss the claim. They claim the merchant swiped the actual card according to the chip read. Dont knowhow since the card never left my person. The bank claims that because the chip was read they cant contact the merchant to discuss the transaction.what recourse do I have. 
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 2023-01-03 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was notified on XXXX XXXX XXXX that there was a change of address linked to my Zales/Commenity credit card. 
On XX/XX/XXXX I called XXXX and they were closed On XX/XX/XXXX I called Zales/Commenity Bank and they told me that the change of address was not linked to my accoung On XX/XX/XXXX I called XXXX again and they told me they couldn't do anything but mark the address as fraud and to file a compliant here On XX/XX/XXXX I called Zales and they couldn't find anything again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: SC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check with the amount of XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX using the mobile app. The next day I am told my account is restricted and will close in 10 days if I don't get the check verified. I go to the physical bank with the check and they verify it is real and call XXXX XXXX to verify the check but they say the number on the check isn't verifiable. It doesn't match the number they have in their system. So they tell me to go to a physical branch with a XXXX XXXX employee to verify the check. So I go to the physical branch again on XX/XX/XXXX with an employee of XXXX XXXX, XXXX XXXX, the lady who gave me the check, and she's bring the documentation to show the check belongs to me and proof she works for XXXX XXXX. They contacted fraud protection and they said the check can't be verified that way I need to provide a verifiable number. So I contact XXXX protection again multiple times for weeks and keep providing numbers to account payable of XXXX XXXX so they can verify they check. Chase tells me their number isn't verifiable. They tell me to get the owner of the XXXX account to contact chase to verify they check. So on XX/XX/XXXX, the CFO of XXXX XXXX, XXXX XXXX, and XXXX XXXX, Account Payable, and I contact chase fraud protection to verify the check. We talk to them for over XXXX hours to verify the check and then they want to say the CFO of XXXX XXXX can't verify the check. because XXXX XXXX number isn't verifiable. XXXX asked if there is the way we can recall the check or get it back and a representative says " No, the only way to get the funds for this check is to verify it with a verifiable number ''. We asked what is a verifiable number and they said the business number that match their system. The CFO told them that XXXX has been XXXX XXXX business number for 38 years there is no other phone number. It is now XX/XX/XXXX and Chase still refuses to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was pressured into applying for a loan amount I did not need! I asked for {$XXXX} and the agent applied for {$XXXX}. I feel I was not approved because of false and misleading information on my report and the amount, that I did not want!

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 2023-01-03 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: LA

Complaint narrative:
My name is XXXX XXXX and I am a victim of Identity Theft. I have recently obtained a copy of my credit report and the information does not relate to any transaction that i have made and has incorrect addresses. I am requesting that the credit bureaus completely block and remove this incorrect unknown information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: LA

Complaint narrative:
My name is XXXX XXXX and I am a victim of Identity Theft. I have recently obtained a copy of my credit report and the information does not relate to any transaction that i have made and has incorrect addresses. I am requesting that the credit bureaus completely block and remove this incorrect unknown information from 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 2023-01-03 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: SC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2023-01-03 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: SC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: OH

Complaint narrative:
I have filed police reports and reports with the ftc. Inquires were placed on my report with out my consent. 
Here are the FTC report numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03 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: TX

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 XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my credit report and saw a very very very old account from XXXX XXXX XXXX as a charge off on my credit reports from EXPERIAN AND XXXX - XXXX did not!!! this account been closed and settle since 2016!!! i never ever received any legal communication, correspondences from them all these years! they greatly damaged my credit worthiness! 

there is no apparent evidence of agreement! I definitely never been informed nor understand why this is reported wrongfully on my credit! its insane to me that credit reporting agency who are supposed to protect our privacy and rights don't even check if the info is correct or verify anything and just put it on my credit! I sent letters to EXPERIAN credit bureau via XXXX mail # XXXX, XXXX XXXX mail # XXXX and to XXXX via XXXX mail # XXXX and also filed a CFPB complaint # XXXX to demand them to rectify immediately this fraudulent reporting and incorrect reporting. 

I need this fraudulent closed account and reporting to immediately be removed from my credit report!!! it is clearly a full violation of my consumer rights. 

thank you for your help with this urgent 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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/2022 cashe did not dispense from the ATM XXXX the company yet to refund me for the inconveniences of the ATM. Would like interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: NY

Complaint narrative:
I was notified on XXXX XXXX XXXX that there was a change of address linked to my XXXX credit card. 
On XX/XX/XXXX I called Experian and they were closed On XX/XX/XXXX I called XXXX Bank and they told me that the change of address was not linked to my accoung On XX/XX/XXXX I called Experian again and they told me they couldn't do anything but mark the address as fraud and to file a compliant here On XX/XX/XXXX I called XXXX and they couldn't find anything again

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 2023-01-03 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  accounts below violated my rights to laws 15 U.S.C 1681 SECTION 602A - Which states that I have the right to privacy 15 U.S.C. 1681 SECTION 604A SECTION 2- Consumer Report Agency can not Furnish an account without my written instructions.

I have requested several times to prove these accounts and send original documentation with my signature. I have disagreed with the Creditor and credit bureaus on their last investigations XX/XX/22, XX/XX/22, XX/XX/22. There has been no response and no update according to the FCRA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America sent a letter dated XX/XX/2022 notifying me of suspicious activity and temporarily suspended my account with a cycle date from XXXX XXXX XXXX. Enclosed also was a statement with all the fraudulent account information in the amount of {$14000.00}. I called Bank of America and they said to call the local Sheriff and file a police report, but the Sheriff Office said I need a case number or documentation from Bank of America saying they suspended the account and I am in the process of getting that information. As of right now the account is temporarily suspended. 
I have not applied for any type of credit for any reason, and I would like to get this taken care of as soon as possible and have this fraudulent account removed from all three of my credit reports.

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 2023-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
First Financial Investment Fund V sued me without properly notifying, the only way I am hearing about this lawsuit is through a Bankruptcy attorney advertisement letter. 
15 U.S. Code 1692g ( d ) LEGAL PLEADINGS A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).

The Fifth Amendment of the U.S. Constitution contains a Due Process clause that states : No person shall be deprived of life, liberty, or property, without due process of law ; This law expressly prohibits courts from exercising personal jurisdiction over a defendant unless a defendant receives sufficient notice of the legal proceedings. Improper service violates the rules of civil procedure for Rule 4.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: IL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. This complaint is sending due to the new evidence. Experian credit Bureau is violated the law of FCRA and my rights. In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.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. 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
Besides Experian is reporting incorrect information on the account XXXX XXXX XXXX- the payment history of this account is incorrect from XX/XX/XXXX to XX/XX/XXXX. None of the payment was missed. 
Please remove incorrect information from my report immediately.

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 2023-01-03 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: IL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. This complaint is sending due to the new evidence. XXXX credit Bureau is violated the law of FCRA and my rights. In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.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. 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
Besides XXXX is reporting incorrect information on the account XXXX XXXX XXXX- the payment history of this account is incorrect from XX/XX/XXXX to XX/XX/XXXX. None of the payment was missed. 
Please remove incorrect information from my report immediately.

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 2023-01-03 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: Block, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX to XX/XX/2023 XXXX XXXX inn XXXX dollars was taken cash app instantly reject disputes Cash app Would like a full refund. Unauthorized charges bad deceptive business lack of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
They have flagged me for no reason the account was close and taken care of as you can see in the attachments I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In the past I received services fromXXXX XXXX XXXX for karate services for my son and the membership was for 14 months of karate for XXXX. XXXX it was over we stopped going and turned out they did a recurring charge for service in XX/XX/2021. I was not aware of the charge because I did not check my statement until a few months later that I used the XXXX that I noticed the charge.In the beginning, I filed a fraud complain with the bank of america credit card about a charge of a service from XXXX  XXXX XXXX that I did not receive and the claim was denied because I made business with them in the past. I then tried filing a dispute for the same charge because I did not approve of this charge and I waited for months and the dispute was denied again. I tried resolving this issue directly with the merchant, however the phone numbers I had were not in service. I went to the business site and it was closed and I spoke to the vendors and they stated that he shut down the business suddenly and left. I waited for a response from the credit card company and they denied the claim again. I kept on researching to see if I found any new hting about the merchant and thankfully I found out through XXXX that the merchant opened a new buisiness under a new name ( XXXX  XXXX XXXX  XXXX  XXXX XXXX ) and his number is XXXX. I reached out to him and request to pay the money he owes and he stated " I don't have the money to pay you back " and I asked him what do you mean where is the money you charge the card. The merchant claims he will not pay and the credit card company XXXX Bank of america ) does not want to dispute the claim

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