vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX an order was placed using my synchrony bank credit card the orders were delivered on XX/XX/XXXX and they were damaged they were picked up and returned to the warehouse on the XXXX they try to re-deliver a wedge and the wedge was damaged along with all the other furniture which I sent email to Ashley furniture on the XXXX XXXX XXXX males came in the warehouse I called I spoke with customer service a woman by the name of XXXX with customer service that said the items have been received in the warehouse I also spoke with another customer service rep named XXXX that also confirm that the items were received in the warehouse I was sent information from synchrony bank that was supplied to them by Ashley furniture with a signature that does not match my signature and the name that does not match my name stating that these items were delivered to a place that does not even match the description of my place I do not have any furniture from XXXX as they were delivered damaged and refused and returned and now I am on rightfully being charged for the amount a bit these items which is effecting my credit I want all items removed off my credit and so I have no merchandise from XXXX and it was confirmed more than XXXX time that the items were delivered and receipt to the warehouse.

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 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Case # XXXX, XXXX XXXX employee # XXXX Case # XXXX, XXXX XXXX employee # XXXX Capital One has daily wire transfers limits to a title company for up to $ XXXX for real estate transactions and only $ XXXX to a business or individuals. If the business is another bank in order to pay down a mortgage, this does not meet Capital One 's definition of a real estate transaction and the $ XXXX daily limit still applies. No exceptions. 

It was never made clear, after multiple requests to XXXX, why a title company poses less wire fraud risk than a bank. I attempted to seek an exception to this rule as it seems onerous to consumers to pose lower limits to another financial institution and potentially unfair and deceptive and may qualify as a violation of UDAAP. 

This limit or differentiation of potential limits based on wire type is not included in opening account disclosures, which seems deceptive : Here : https : //www.capitalone.com/bank/disclosures/rules-governing/ Here : https : //www.capitalone.com/bank/disclosures/wires/ The following resolutions were provided : - Send three separate wire transfers on three separate days to achieve sending $ XXXX and pay the {$30.00} wire transfer fee three times for a total of {$90.00}. Unfair, given that my request would cost {$60.00} more if a title company was involved as opposed to a bank. 
- Request a cashiers check which would take a potential of three business days to arrive.

I ultimately requested to receive the cashier 's check, but will have to pay an additional three days ( plus two days on the weekend ) interest on my mortgage because of this unfair and deceptive practice which will cost me an additional {$190.00} in mortgage interest. 

I will be ending my over 10 year relationship with Capital One because of this discriminatory and potentially non-compliant policy. I have also requested that this be reviewed on backend by Capital One which they explained would take 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My checking account was compromised as XXXX bogus checks were deducted from my account. Reported all data to M+T Bank. Was told they had to open a new account. XXXX months have passed. Many checks are being blocked. I can not pay my bills. Bank has approaved reimbursment however they claim to have problem because my bank account has set up in my trust XXXX not tell me how long it will take to set up a new account. Need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
This creditor XXXX XXXX XXXX added a collection to my account for a account that was open due to ID theft, this account should be removed from my credit profile as the debt does not belong to me. 

I have reached out to the company 7 times in the last 2 months with no help from the company. 

Account opened XX/XX/2022 amount owed {$610.00} this collection is showing on my XXXX  credit report and is false

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 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, the IRS deposited {$5600.00} to our account for the XXXX Stimulus payment. We did not receive any money in that account and American Express has stated that the money was never deposited. We submitted a form around XX/XX/XXXX for the IRS to do a trace on the money and the IRS shows that the money was deposited into our account. The IRS has reached out to American Express on serval occasions with no response, we have also reached out to American Express and were told that there was no money deposited into our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: GA

Complaint narrative:
I did not consent or authorized nor thing I gain anything from these accounts. These accounts are not my accounts.

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 2022-12-16 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: GA

Complaint narrative:
I did not consent or authorized nor thing I gain anything from these accounts. These accounts are not my accounts.

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 2022-12-16 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JUSTICE FINANCE COMPANY
State: TX

Complaint narrative:
At XXXX AM on XX/XX/22 I received a call from an individual who introduced herself as XXXX from Justice Finance. She initially asked for another individual, I told her that was my husband, and she then called me by a different last name. I corrected her and asked her not to call me anymore. She said ok and hung up. She then called again at XXXX AM and she proceeded to tell me that she was contacting me as I was a reference for an individual and disclosed their name as well as indicated that they are past due and that because their sister did not work there were any longer did not mean she did not have to pay. I replied by telling her that I would relay her message and also asked her if she was aware of the FDCPA and FCRA, she stated she was aware. I then proceeded to tell her she was in violation by providing me with information on the status of the account. She then would talk over me and not listen to me and cut me off. I ended the call. I contacted the individual about the call and she informed me she was under 30 days late and aware that the company 's policy does not warrant calls to references unless they are past due way over 30 days. She also informed the company she would make her payment before the month was over, therefore there was no need to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: NV

Complaint narrative:
I have asked Transunion and XXXX and XXXX to remove all of these inquiries from my credit report. I did not apply for the XXXX inquiries within a XXXX month. Please remove them. They have yet to do cell after admitting this is very unusual and they would take care of it, they have not. They still show 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 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
After trying to fix this with the company that is on my credit I was told that I will be committing a crime if I dont pay this debt. My identity was stolen many years ago and after them telling me they got this debt from XXXX XXXX XXXX has told me I dont hold him nothing and they never sold my information. I need this off my credit/debt collection as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for Wells Fargo Autograph visa. It took around 3-4 weeks for it to reach me. Already raised CFPB complaint for that. Finally got it. Now other issue- the credit limit is way too low for me - XXXX XXXXXXXX. When i called Wells fargo- they said that it's the combined one for all the credit cars with wells fargo. I have XXXX as XXXX XXXX and easily getting $ XXXX and $ XXXX kind of credit limit. Wells Fargo is really very adamant and troublesome bank- they keep the credit limit very low which makes credit card useless. 
Moreover there is no way I can buy something more than XXXX XXXX XXXXy adding funds into the account also. 
Why not wells fargo show us the credit limit at the time of application and the let the customer decide whether they want this card or not?

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 2022-12-16 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: IL

Complaint narrative:
I have fraudulent accounts open on my credit report. I've filed a ftc report and the accounts are still on my credit profile. the following accounts are XXXX  XXXX XXXX from XXXX, the other is XXXX XXXX XXXX from XX/XX/XXXX, and the other account is fnbo from XXXX XXXX these accounts are fraudulent and need to be removed immediately. 
I also have inquiries that are fraudulent as well. please remove them they are listed below with my ftc 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 2022-12-16 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: IL

Complaint narrative:
I have fraudulent accounts open on my credit report. I've filed a ftc report and the accounts are still on my credit profile. the following accounts are XXXX XXXX XXXX from XXXX, the other is XXXX XXXX XXXX  from XX/XX/XXXX, and the other account is fnbo from XXXX XXXX these accounts are fraudulent and need to be removed immediately. 
I also have inquiries that are fraudulent as well. please remove them they are listed below with my ftc 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 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have disputed with this company about a debt they claim I owe. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. All they have sent me is a copy of a bill, Per the FTC, a copy of a bill or itemized document does not constitute verification. Despite my numerous letters they continue to mark it as meets FCRA requirements, without showing that I have a legally binding contract to pay them what they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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:
XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
I have included letter to the court and letter from the court in this package. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 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.

According to : 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 explanation
Consumer complaint received 2022-12-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Previous complaint XXXX was closed after Amex replied and promise to return my money back. However, Amex actually does not return the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have fraudulent accounts open on my credit report. I've filed a ftc report and the accounts are still on my credit profile. the following accounts are XXXX XXXX XXXX from XXXX, the other is XXXX XXXX XXXX  from XX/XX/XXXX, and the other account is XXXX from XXXX XXXX these accounts are fraudulent and need to be removed immediately. 
I also have inquiries that are fraudulent as well. please remove them they are listed below with my ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: FL

Complaint narrative:
I am a victim of identity theft. There are fraudulent accounts and inquiries on my credit profile that needs to be removed, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: NV

Complaint narrative:
I have asked XXXX and XXXX and Equifax to remove all of these inquiries from my credit report. I did not apply for the 61 inquiries within a six month. Please remove them. They have yet to do cell after admitting this is very unusual and they would take care of it, they have not. They still show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: NV

Complaint narrative:
I have asked XXXX and Experian and XXXX to remove all of these inquiries from my credit report. I did not apply for the 61 inquiries within a six month. Please remove them. They have yet to do cell after admitting this is very unusual and they would take care of it, they have not. They still show 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 2022-12-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: MD

Complaint narrative:
There are multiple fraudulent accounts and inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times and they're still reporting on my credit report. 
I'm reaching out regarding these fraudulent accounts and inquiries and for assistance to remove these fraudulent accounts and inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of 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