vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XXXXTHIS IS A BALANCE DISPUTE********* I had previously requested verification for duplicate charges from XX/XX/XXXX. Dispute was not resolved. Afterwards, when adding charges back to my account, the balance due was being doubled. I had requested an audit of my account. The balance was corrected, then thereafter doubled with no applicable charges. I had included invoices previously and requested the account be audited. The balance was corrected. This needs to be corrected as it is now adversely affecting my credit report. Correct balance due. This issue continues to keep happening. I have previously included billing statements from XXXX with the last submission for the same issue. XXXX***I HAVE AGAIN included statements from XX/XX/XXXX through XX/XX/XXXX. ******* PLEASE CORRECT***

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ DATA INTERNATIONAL is reporting that I owe ( Original Balance {$8900.00} ) vs ( New balance {$11000.00} ) to XXXX XXXX XXXX and this apartment home was leased to my mother and I was a tenant still in High School. I have requested that both XXXX XXXX XXXX  and IQ DATA INTERNATIONAL provide the original signed application to validate this debt on XX/XX/2023, XX/XX/2023 and XX/XX/2023 without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IL

Complaint narrative:
The Standard Overdraft Coverage is confusing and opaque. In particular, a payment to XXXX XXXX in the amount of {$400.00} was paid, despite being returned twice prior to this, and despite an ACH request from the same company in the amount of approximately {$190.00} being returned at the beginning of last month. The agent was unable to provide any info on why it was paid other than advising it was a " systematic decision. '' The agent also made it difficult for me to remove the coverage, including the use of acronyms I was unfamiliar with.

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 2023-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
This account has showed up on my credit reports, I do not owe this amount to any XXXX XXXX XXXX 
I contacted the XXXX and the social they have on file for this account is NOT my social security number. 
This account was first delinquent in XXXX, I arrived in XXXX a few months ago. How could I have attended this school? Please delete this from my records. I am attaching my work permit so you can see I have been in the country since XX/XX/XXXX. 
I want this deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: FL

Complaint narrative:
The above accounts have violated my rights according to 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 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 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. 

XXXX XXXX XXXX paid after charge off yet the current status shoes " collections and charge off '' That is inaccurate. It is not in collections and paid in full. 
XXXX XXXX XXXX was as a result of fraud and not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The above accounts have violated my rights according to 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 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 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. 

XXXX XXXX XXXX paid after charge off yet the current status shoes " collections and charge off '' That is inaccurate. It is not in collections and paid in full. 
XXXX XXXX XXXX was as a result of fraud and not mine.

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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Issue is with a transaction through Wells Fargo Bank involving a VISA Debit Card, I noticed an unfamiliar charge that appeared on my on-line banking record indicating a funds transfer for {$60.00} on XX/XX/. I called Wells Fargo XXXX XXXX on XX/XX/ to report the charge by which time three more charges had been transferred to the same unfamiliar account via a XXXX service. The three additional charges were still pending at that time. Wells Fargo cancelled the debit card but indicated that they couldn't stop/freeze the pending funds transfers. The total amount transferred to the unauthorized person ( identified as XXXX was {$850.00}. 

Wells Fargo issued card reversals on XXXX XXXX XXXX  to total the {$850.00}. and indicated that they were investigating. 

I received a letter from Wells Fargo dated XXXX  indicating that they had completed their research and stated that they found that the charges were made by me and thus were reversing the reversals. I contacted Wells Fargo on XXXX  and again on XX/XX/ and was informed that they had submitted my complaint to VISA, VISA supposedly did an investigation, and sided that XXXX had verified the transfer appropriately and that I was now responsible for the charges. Wells Fargo provided a phone number and email that was used to verify the funds transfer for a service through XXXX, neither of which are familiar to me and certainly not authorized by me. The phone number used to verify the transfer was XXXX and an email of XXXX. The phone number comes back to a number in XXXXXXXX XXXX, at least by my research. Again, I have never done business with this person and never authorized any funds transfer to them. 

Wells Fargo have indicated that they can do no more as VISA is the final arbitrator. VISA never contacted me in their investigation, neither has Wells Fargo.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i got a copy of my credit repor not to long a go and i saw multiple accounts listed there and y never applied for never used and never profited from accounts it conseques of indentify theft accounts are listed below 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 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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i got a copy of my credit repor not to long a go and i saw multiple accounts listed there and y never applied for never used and never profited from accounts it conseques of indentify theft accounts are listed below 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 non-monetary relief
Consumer complaint received 2023-11-07 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: T.S. Holdings
State: GA

Complaint narrative:
This can't be happening!! This company must remove the as they need to validate this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have experienced a few issues with this bank. The was a claimed I filed where XXXX XXXX took {$250.00} out of my account navel federal never showed me proof of authorization which I asked for in the initial claim and the dispute of the denial of the claim. Also I had a claim for XXXX  where part of it was fully resolved and the other part is still being investigated. I dont understand that. When I called I was asked why I filed the claim so far out in a rude manner. Then when I called about it again I spoke to a XXXX that brought up accounts that were discharged in bankruptcy. She was very rude again like most of the reps I speak to here. They make you feel less than a person if you dont hold a certain status on your account. Ive even been told by a rep that I shop too much. Which is a violation of my privacy and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was provided a partial refund by the airline I flew with to go back to my original form of payment. After XXXX weeks the payment didnt post back on my credit card. I called to resolve this issue and they say they dont refund the money back unless the credit card holder calls. It has also taken me XXXX hours and multiple phone calls to try and get my money back. At this point in time the issue has still not been resolved and they can't give me a proper answer on why they withold a refund on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: IL

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: OLIPHANT FINANCIAL, LLC
State: GA

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called chase on XX/XX/23 to see if I can get the pay later fee reduced due to a healthcare emergency I had experienced. I was assured that someone was going to advocate on my behalf with the company. No one ever did. My case number with chase bank is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
1 : Debt buyer- XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. XXXX allegedly bought my debt from XXXX XXXX XXXX, or they represent ( or work with ) XXXX for communications purposes. I have never banked with or made an account with this XXXX or XXXX XXXX XXXX. Both have harassed me to pay debt they couldnt verify. 

2 : Debt buyerXXXX XXXX XXXX XXXX, XXXX. 
Date opened- XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. Original creditor was internet service charging me for allegedly not returning their equipment. I walked into one of their multiple retail locations around their U.S. to return their equipment after I changed to a different provider. Although I wasnt given a receipt for returning their equipment, I was assured, in person, that my account was resolved once I made the return. 

3 : Debt buyer- Midland Credit Management XXXX XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. Original creditor was XXXX XXXX XXXX, however I never gave them consent to sell my information. I have never willingly created an account with <Midland Credit management. The original charge off date was XXXX All in all, none of these collections companies have failed to verify my debts, contracts with my original signatures, or my current address and the original creditors never received my consent to sell of my information to the collection companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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 2023-11-07 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: FC HoldCo LLC
State: DC

Complaint narrative:
Hard inquiry reports Flagship credit acceptance- I spoke with someone from XXXX XXXX XXXX to refinance my car loan. I was told a had an excellent chance of approval and it will not affect my credit score. After going through the process, I was told they do not service my area. Few months later I see a hard inquiry for flagship credit acceptance from XXXX XXXX XXXX. Which knocked my credit score down. 

XXXX I have know idea who this company is or why its on 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 explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2023, {$570000.00} was wired to my personal acct for consulting services rendered. The wire was from XXXX XXXX bank. The money cleared and was briefly available to me on XX/XX/2023. I sent out approximately {$700.00} in small transactions. On XX/XX/XXXX I attempted to send various amounts out of my account to others, the account was frozen and access to my account was blocked. The credit union unblocked, however the money has been frozen until this current day. I have inquired several time, as to the reason for of these actions. The security division of the credit union is investigating a concern, but has not clearly communicated with me verbally or in writing the reasons for these actions. 

Ten business days have passed and I need the CFPB 's assistance in obtaining resolution of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Hard inquiry reports XXXX XXXX XXXX- I spoke with someone from XXXX XXXX XXXX to refinance my car loan. I was told a had an excellent chance of approval and it will not affect my credit score. After going through the process, I was told they do not service my area. Few months later I see a hard inquiry for XXXX XXXX XXXX from XXXX XXXX XXXX. Which knocked my credit score down. 

JPMCB- I have know idea who this company is or why its on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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