vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
My XXXX XXXX XXXX on.. 

On XX/XX/23 I went into XXXX XXXX XXXX XXXX XXXX and got pre approved on a XXXX  XXXX. When the loan XXXX printed my report- Wells Fargo XXXX card showed up on the derogatory report. XXXX is XXXX, & XXXX XXXX XX/XX/23. When I asked the bank to remove incorrect report, I got passed around to many different numbers and people with no help. I went into the bank and spoke with Bank XXXX in XXXX- she filed a report for a supervisor to call me. I was told the card was not on my name -the bank has copies of death certificate and everything was dealt with. If my name is not on the account- why is it on my report? Why is it on ANY report of its XXXX XXXX and not delinquent? 

I called the number on the back of the card. Its not the right number. I called the number on the back of credit report for Wells Fargo XXXX XXXX. That number is incorrect. I got put on hold on all instances and probably over XXXX XXXX on the phone. 

Please see attached

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or around XX/XX/year>, Capital One closed my Quicksilver One Credit Card for " violation of the Cardholder Agreement '' except I had already reported to Capital One the card had been compromised essentially a week prior. Capital One was hesitant to give me an explanation and tried to avoid doing so altogether and even when I could get one out of them it didn't make any logical sense as to how could I violate something when I didn't even have the replacement credit card. 

The replacement card in fact showed up on the same day my credit report informed me that the account had been closed by Capital One. I am pursuing options available to me from the CFPB and then through Small Claims Court if necessary for this egregious affair that has had a negative and derogatory impact on m

y credit score for no reason directly related to me. In fact, I will go further to say I have a Fraud Alert on my credit reports because the Capital One Quicksilver One card somehow was compromis
ed. 

My ultimate goal is to reach an agreement with Capital One to get my account for Quicksilver One restored but barring that I will sue Capital One for {$25000.00} in damages or the estimated cost to repair my credit in the long term with {$25000.00} being the maximum amount for which the State of California allows Small Claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Court has explicitly stated that bankruptcy should not be reflected in my credit history, and there is a deficiency in ensuring accurate reporting on your end.

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 2024-01-24 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX  I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. 
Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. 
Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. 
Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. 
There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. 
One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. 
Thank you for understanding. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: AR

Complaint narrative:
Name on account was wrong birthday and SSN were correct, but information was stolen and charged when I was not the one to do so. 

Company was called multiple times and sent me to collections for an amount that I did not owe, after calling and speaking to them multiple times, they told me they would close the account in XXXX of XXXX. The account went into review and they said it would be 60 days and that a letter would be mailed out stating the account on my credit report may not be mine and was under investigation so that I could get a loan I was needing. The letter has not made it here and it has now been over 20 days since I requested it. They stated they were not able to send a digital copy even though the XXXX call was the third one to the company. 

Company has still not contacted me, but has convinced the TransUnion credit bureau of the accuracy of the account, even with the internal investigation of their own still pending. 

XXXX Credit bureau was able to take the charge off status off of my report, but it seems there needs to be more information sent to TransUnion, although I can not provide it because the company has not sent me any information on it and the National Identity Theft Reporter is not enough for TransUnion, or 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
Name on account was wrong birthday and SSN were correct, but information was stolen and charged when I was not the one to do so. 

Company was called multiple times and sent me to collections for an amount that I did not owe, after calling and speaking to them multiple times, they told me they would close the account in XXXX of XXXX. The account went into review and they said it would be 60 days and that a letter would be mailed out stating the account on my credit report may not be mine and was under investigation so that I could get a loan I was needing. The letter has not made it here and it has now been over 20 days since I requested it. They stated they were not able to send a digital copy even though the XXXX call was the third one to the company. 

Company has still not contacted me, but has convinced the XXXX credit bureau of the accuracy of the account, even with the internal investigation of their own still pending. 

XXXX Credit bureau was able to take the charge off status off of my report, but it seems there needs to be more information sent to XXXX, although I can not provide it because the company has not sent me any information on it and the National Identity Theft Reporter is not enough for XXXX, or American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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  Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX 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 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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CAPITOL ONE RESTRICTED MY ACCOUNT WITHOUT EXPLANATION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A purchase made on XX/XX/year> for {$1700.00} had deferred interest for XXXX XXXX with an APR of XXXX XXXX. I was just charged {$650.00} in interest charges claiming it is the deferred interest. That math does not add up. I will never shop with XXXX XXXX or use XXXX credit. I need your help investigating this.

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 2024-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I submitted an almost {$600.00} payment a little over a XXXX  ago and their portal says I owe almost {$400.00} still. This is XXXX, XXXX  inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
Account negligence and malfeasance. Incriminating TOS and ARbitration release. 

Counsel has sent two letterheads to Coinbase legal department, and since contacted Federal Beureau of Investigation, SEC, XXXX, and XXXX. 

Coinbas

e Arbitration Service / Legal Department has neglected to respond or take action. Will be following up with two Federally Secured departments to oversee contention from multiple consumers- negating Class and Mass action recourse. 

Coinbase has additionally determined that misinformation at CSR levels is appropriate to dissuade consumers from resolution. 

Coinbase is ultimately gatekeeping personal funds and personal information hostage behind verification processes, CSR misinformation, and TOS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2024-01-24 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: CarMax, Inc.
State: TX

Complaint narrative:
unauthorized account was opened with my information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed these inaccurate items. My information was misused and now I have some false not XXXX XXXX  accurate items on my credit report. Unauthorized use of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called capital one to order a new debit card after a new legal change. 

I then had a new email address and 4 mailing addresses that did not belong to me. Ive talked to 15 people today, no resolution. 

Also need 3 new credit cards matching my new legal name, they couldnt do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not an error. I am sending my formal notice that you are in violation for reporting this inaccurate item on my credit report. My XXXX  XXXX  rates are very XXXX  because of this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: Indie Technology DBA Found
State: WI

Complaint narrative:
on XX/XX/XXXX at XXXX XXXX  My institution which is Found Debit Card allowed three debits for {$100.00}. Only one should have been Debited. XXXX XXXX XXXX XXXX additional times and told me that it was a glitch in the system. I contacted my debit card customer service as well as XXXX XXXX XXXX card letting them know about this error on their part. Found provided me provisional credits in the amount of {$210.00}. 

Today Found took {$100.00} from my account. I contacted and asked for and explanation. Found told me in an email today XX/XX/XXXX " Unfortunately, your dispute case was not decided in your favor and provisional credits provided in your account has been removed. I sincerely apologize for the inconvenience. Email from XXXX '' This is stealing from me and totally unacceptable. Please help or direct me to the parties that can get this resolved. They have proof that XXXX XXXX XXXX a mistake and XXXX XXXX  clearly admitted the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
please investigate all inquiries most are not authorized by me with my signature

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
please investigate all inquiries most are not authorized by me with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
I have been attempting to pay back my student loans with EdFinancial, however they have reversed every payment I have ever attempted to make. In the last 4 months, they have reversed all 4 payments I have attempted, including my recent payment in full. With each occurence, the payment has been processed and completed, but immediately afterwards is reversed with no explanation. I have checked multiple times to ensure the account numbers are correct, as well as with my bank to make sure the payments were not denied on their end. Since this has been a reoccurring issue and I have found many others with similar complaints, I believe this may be a case of Edfinancial acting in bad faith for additional interest collections. I appreciate any help that can be provided in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to officially contest a series of errors, discrepancies, and unfamiliar accounts that have emerged on my credit report. After a thorough examination of the information provided by your agency, Please see attached letters for the inaccuracies.

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 2024-01-24 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: MN

Complaint narrative:
The state of my credit report is profoundly concerning, and my dissatisfaction is comprehensive. It is not just highly embarrassing ; it is evident that either you or the company bears responsibility for reporting this inaccurate information.

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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
On XX/XX/24 I was looking at my transactions with capital one and seen a large amount of transactions ranging from XXXX XXXX  {$500.00} over the last XXXXXXXX days. I immediately called capital one to report it and start a dispute thinking it would be simple and they would do a XXXX  from the merchants that I did not authorize transactions or purchases from. 

On XX/XX/24 I received an email saying that my dispute has been resolved and it was denied : We finished researching your dispute, and following a review of all relevant bank  records your claim has been denied for the following reasons : Due to electronic activity or login history. 

I requested the evidence and have been told it will take XXXX  days so I asked if there is a number to talk to that department directly and was simply told no there isnt. 

If I did not authorize the transaction then this should be a simple dispute. 

None of the transactions that were being disputed were authorized regardless if I logged into capital one at any point. 

I attempted to appeal the decision but I was told I needed to submit evidence for them to be able to re open the case. I explained that I dont have any evidence other than my bank XXXX  because they were all unauthorized. 

This has left me in shambles and I had previously thought that capital one was a company that was fair and protected their customers from this stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Twice now Venmo has attempted to withdrawal XXXX payment which I did not authorize. From my credit union account. 
They said payment was made on app. But it wasnt! And I was charged XXXX dollar overdraft.

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