vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

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 explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been trying to get my personal information on my credit report corrected since XXXX 2022. The names, address are all incorrect. Can you please assist me. All help is 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
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I paid my credit card in full as per the due date on my credit card app. The total amount was {$870.00} ( see highlighted in the attachment ) I assumed it had been paid on time. However, on XX/XX/XXXX the credit card company charged me a late fee of {$15.00} and an interest charge of {$14.00} on XX/XX/XXXX. I promptly called the credit card company and asked them why they were adding these charges to my account and they stated it was because I paid an hour later than the due time. Note that I paid my balance in full on XX/XX/XXXX which, according to a universal definition of time is XXXX XXXX  on XX/XX/XXXX. However, the credit card company states that it should be by XXXX XXXX however this is not listed on the due date in the payment app and therefore it is misleading. I was having internet connectivity issues which is why I paid on XX/XX/XXXX around XXXX XXXX which I assumed was on time because it was not midnight. I have been with the same credit card company since 2011 and always paid on time. 

I explained the situation to the customer service agent at capital one, and she understood and gave me credit for both the late fee and the finance charge on XX/XX/XXXX ( see highlights in the attachment ). 

The issue was resolved and over with and I expected no further action. 

However, on XX/XX/XXXX capital one placed an interest charge of {$10.00} on my account even though I paid my balance in full on XX/XX/XXXX. When I called and asked why they stated that it was because of the late payment in XXXX. This makes no sense because the XXXX issue had been resolved and done with. 

Capital one is trying to place unnecessary charges on my account. I tried to speak with the supervisor at capital one but they are refusing to take off the charges. I have been a long-standing and sincere cardholder at the capital one who always pays in full on time. I would like this resolved by taking off the false charges from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 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: TX

Complaint narrative:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX XXXX XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXXXXXX XXXX XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2016 Balance {$270000.00}.

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 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/23 I had a scammer call my cell using a Wells Fargo phone number. They tricked me into thinking someone was trying to access my funds in XXXX the country and trying to take {$7000.00} and needed to secure my account. They gained access to my phone thru XXXX and used " Wells Fargo Security Server '' as the access name. They took full control of my phone and before I could blink were able to wire {$9400.00} out of my account. I went to a Wells Fargo bank immediately and had them cancel my accounts that the money was taken from. They advised " They were so glad I came in right away and didn't wait until the next day because that would of been a totally different situation '' But since I had come in right away they could put a hold on that transfer and it still showed pending. 

I followed up with Wells Fargo fraud department on XX/XX/23 and they said it would take 5-10 business days for my funds to be available and they were still in the claims process. But I would get a return on the {$60.00} wire transfer fees as well. ( A total of {$9400.00} was taken from my account ) I called again on XX/XX/23 for another follow up. At that point they said they had denied my claim and I would not be getting my money back. They had already told me several times that I would and they put a stop on it since the wire transfers still showed pending! 

I am currently out {$9400.00} ... my dad had just given me this money a week prior for my wedding. I'm devastated!

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 2023-02-06 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX that informed me my application was declined. So I called about this because I have never filed an application with this company. The lady on the phone told me that on the application they didn't get my social security number correct so that's why it was denied. My address was correct and my date of birth was correct. So someone tried to open up a XXXX credit card in my name. So glad they paid attention to the social security number.

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 2023-02-06 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: MI

Complaint narrative:
Under penalty of perjury I do by del are the the following is true and accurate to the best of my ability XXXX, EQUIFAX and XXXX are not credit reporting companies evidenced by their Licensing and Disclosures so there for are acting unlawfully and without my consent in all matters. I have called, written, disputed debts, inquiries, accounts, and have even tried to opt out of all services, I have given instruction to remove all unverified inquiries, accounts and to verify debts but when asked how they verified nothing was produced. 
Furthermore, I have no contract nor agreement nor have I given any consent or instruction for the furnishing of anything to my credit report. I am demanding equitable remedy of {$1000.00} for these violations per law for each unauthorized inquiry and for the company to release to me documents, accounts, all information held by the companies named herein, I am allowing only the minimum allotted amount of time proscribed by law to respond, settle, and cease and desist this will be my last attempt at handling this matter outside of federal court. And violation of civil rights there is no special immunity. Notice to principal is notice to agent and notice to agent is notice to principal. All debts are obligations of the United States and XXXX upon payment dollar for dollar so therefore reporting or attempting to claim I XXXX XXXX XXXX the living man and Beneficiary to the XXXX XXXX Trust XXXX XXXX XXXX, XXXX which the State is Trustee/ Fiduciary is in direct violation of the constitution, UCC, Identity Theft among much more that the company will be provided with if my respective issues are not handled correctly and in good faith. 

Memo HJR 192 UCC1-308 12 USC 411 L93-406 UCC 3-104 8 USC 1182 48 USC 1421b 5 USC 5582 UCC 3-419 These laws are provided as to assist whomever must be informed as to claiming false debt and obligation and fraudulent contracts and the like thereof.

15 USC 1681b states consumer must give consent for furnishes to credit report. So I demand company provides such evidence as to my consent authorization for any furnished information.

15 USC 1681a ( 2 ) ( B ) states the consumer report does not include authorizations or approvals of specific extensions of credit.

Any Loan or Credit card reporting information to a consumer credit report is in fact a specific extension of credit.

15 USC 1881 ( a ) ( i ) states that transactions between consumer and person making report are NOT included in reports.

I chose to not send any documentation that I may have as the companies have their own records of my letters and calls and online disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
I had 2 accounts with Affirm. They both were closed and sent to collections in XXXX. In XXXX of XXXX I paid both accounts to XXXX  and they were no longer in collections. However, affirm never updated my credit reports to reflect the balance to be XXXX Now, 6 months after I filed the dispute, they have now reported my XXXX report to be in collections as of XX/XX/XXXX. I called them several times and explained that I am showing in collections when I am not and now my credit is reporting even more inaccurate than before. They were very condescending and would not assist me. My account should not reflect in collection on my credit report as it not in collections. This is inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been trying to get my personal information on my credit report corrected since XX/XX/2022. The names, address are all incorrect. Can you please assist me. All help is 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 non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been trying to get my personal information on my credit report corrected since XX/XX/2022. The names, address are all incorrect. Can you please assist me. All help is appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/23 Chime Bank advised that security restrictions were put in place on my checking account due to a transfer of {$1500.00} that I initiated from XXXX XXXX, which is my primary bank for funds. Chime requested multiple times over the next few days for me to upload the following information : Driver 's License, Secondary ID, Source of Funds, Rationale for Transfer, and a Selfie picture holding a piece of paper with the date and also one of my forms of ID. I provided these documents on several attempts through their secure portal. After repeated failure of Chime to release my funds, I asked for the account to be closed on XX/XX/23. Chime claimed that they would send whatever funds were left in the checking account to the address I have on file. On XX/XX/23, I received an email from Chime asking for the documents again, and I responded advising that I had closed the account and a check was to be mailed. I received a second email on this same date advising that before a check would be issued, the security measures are in place and must be resolved. I again uploaded the documents they requested with an additional proof of ownership of the XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX I advised Chime that I would be filing a complaint with the Consumer Financial Protection Bureau, and also have hired legal council to represent me in this matter.

Company response to consumer: Closed with explanation