vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I filed a claim/ dispute with my Wells Fargo credit card concerning a purchase that was made to XXXX XXXX for carpet and installation around XXXX 2022 for {$2700.00} However, the carpet is obviously defective and Ive made numerous attempts to rectify this problem by requesting a refund for XXXX. Since the company XXXX XXXX has failed to assist or address this carpet issue Ive then turned to my bank credit card company XXXX Wells Fargo ). This issue I with Wells Fargo is that they have failed to take responsibility for any errors that has taken place in the handling of my dispute. They have stated to me during our phone conversations that I could file a dispute, took my information and filed the dispute. However since this dispute was file they have issued a credit for {$1300.00} took it back then I filed a 2nd dispute for the above dollar amount of {$1400.00} they credit that amount back to my card yet they removed it as well. They continue to give me false misleading information concerning my dispute. Ive was even told by their representative that they made a mistake with filing my dispute and not to worry because it was their fault. My carpet is just 4 months old. I have defected carpet in my home that XXXX XXXX nor Wells Fargo is doing anything to help me. I would like a full refund for the total amount or @ least the {$1400.00} since its definitely not fair to have to deal with looking at defective merchandise.

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 2022-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I logged into XXXX XXXX  over a year ago and saw there was a collection placed on my account for XXXX XXXX. I tried disputing this with XXXX and they would not remove it. I then filed a police report and disputed it with XXXX and XXXX. XXXX and XXXX removed the collection but I did not know that XXXX also showed it on their side as well. I filed a police report regarding this ( case XXXX ) with the XXXX XXXX XXXX and XXXX XXXX is the current owner of that case. 

I attempted to contact both XXXX and Source Receivables ( the collection agency ) to dispute this directly and both were unhelpful. XXXX would not help me as they needed an account number to help me, and I do not have an account number to provide as I have never been a XXXX customer. Source Receivables would not assist me either as they referred me back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Received the statement from XXXX XXXX XXXX  account credit card with charges for XXXX XXXX XXXX XXXXXXXX ( XXXX ) for {$1.00} XX/XX/XXXX and {$99.00} on XX/XX/XXXX. These charges were not recognized by me, so I called the phone number and the person I spoke to said it was for a gym membership or fitness program that would be billed monthly in the future. I did not sign up for any fitness program and had no reason to do so as I belong to the XXXX  and have access locally to any fitness programs that I need. The woman that I spoke to said that she could cancel the monthly membership, but could not cancel the initial charges, she did say that she could offer me XXXX XXXX XXXX for XXXX of the charge and when I said I did not want them, she said she could offer me her employee discount toward some XXXX XXXX XXXX  something. I then told her that I was going to report them to the state Attorney general and she said that they would not be able to do anything about it. I then called Comenity bank who is the bank that the card has come from ( recently changed from the previous bank. I spoke to one XXXX who said he was going to transfer me to someone that could help and then the line went dead. 
I did report this to the XXXX on XX/XX/XXXX via an email complaint. 
On XX/XX/XXXX I called the XXXX XXXX card number and reported this to them. They started a fraud investigation and stated that they would cancel the card and send me a new one. Any resolution could take up to 90 days. I told them I did not want a new card, to just cancel the old one. We have paid the bill, minus the {$1.00} and {$99.00} charges. 
I heard from the AG office today ( XX/XX/XXXX ) who stated that they were not the right agency, and that I should report this to the CFPB, and gave me the phone number. After calling, I decided to submit the complaint online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28 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: SC

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 XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX  ending in XXXX. No full number shows on the report. 

XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ending in / XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX  ending in XXXX, XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXXXXXX XXXX XXXX XXXX ending in XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX ending in XXXX, XXXX, XXXX. No full number shows on the report. 

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  ending in XXXX, XXXX, XXXX. No full number shows on the report. 
All above have violated my rights. I am respectfully requesting the removal of the negative information from my credit report to all three reporting agencies. 
XXXX XXXX XXXX section XXXX A states I have a right to privacy. 
XXXX XXXX XXXX section XXXX A states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) section states no consumer reporting agency may make any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX U.S.C XXXX ( A ) ( XXXX ) 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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

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 XXXX XXXX XXXX. 
XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  ending in XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX ending in XXXX. No full number shows on the report. 

XXXX OF XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ending in / XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX ending in XXXX, XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX XXXX ending in XXXX. No full number shows on the report. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX ending in XXXX, XXXX, XXXX. No full number shows on the report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  ending in XXXX, XXXX, XXXX. No full number shows on the report. 
All above have violated my rights. I am respectfully requesting the removal of the negative information from my credit report to all three reporting agencies. 
XXXX XXXX XXXX section XXXX A states I have a right to privacy. 
XXXX XXXX XXXX section XXXX A states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) section states no consumer reporting agency may make any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX U.S.C XXXX ( A ) ( XXXX ) 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 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got mails from XXXX XXXX XXXX on XX/XX/2022 congratulating new account with credit included which I didn't apply for. 

I called XXXX that it was a fraud so that I requested to close the account permanently and not to report to credit bureau. 

I'm planning to send a certified mail as well for this matter to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
This bank is being run by lying degenerates who can not do a single thing right. 

I set up a wire transfer on XX/XX/XXXX with supervisor XXXX who assured me that it was expedited. 
Called on XX/XX/XXXX as the wire transfer had still not gone through. Spoke to supervisor XXXX who said that XXXX did not expedite it. Then she goes on to put me on a XXXX hour hold and hangs up XXXX me. 
Called again and this time got XXXX gain, the one who had set up the wire transfer. She insisted that she had expedited the wire transfer and that XXXX was lying. Then she said that the wire transfer has run into " some '' error and she is not sure what error and she will have to set up another wire transfer. When I asked her to file a complaint against XXXX who XXXX  up on me after XXXX hours, XXXX also hung up on me. 

Now I have XXXX wire transfers showing pending in my scheduled transactions and no one has any clue what is going on. 


XX/XX/XXXX Outbound online wire to ************XXXX Track my transfer - {$25000.00} XXXX Time XX/XX/XXXX Outbound online wire to ************XXXX Track my transfer - {$25000.00} XXXX Time This bank is bein run by lying degenerates and incompetent idiots.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28 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: MA

Complaint narrative:
Somebody tried opening a {$15000.00} loan in my name in a bank  out of state. I tried contacting the bank  to get the situation taken care of and they never contacted me back.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have received multiple inquiries on my credit profiles. From unknown sources.XXXX, XXXX, TransUnion in the past. I was victim of my identity and personal information being exposed. Only hard inquiries should be on my report is XXXX. XXXX XXXX  on TransUnion, and XXXX XXXX. On my XXXX  profile. I since placed security freeze on my profiles. Attached to this complaint is police report, and fedral trade identity theft report number.. XXXX is knowingly reporting over XXXX fraudulent hard inquiries. Address that dont match my id. XXXX is also still blocking me from see my credit report after I purchased the monitoring subscription through XXXX website.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX. XXXX. ( A ) ( XXXX ) 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. 


After reviewing my report I must inform you that I am NOT responsible for none of the Bank accounts listed on my report as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete all of the bank accounts negatively impacting my credit report immediately! Ive sent out numerous letter to both Early Warning and the XXXX asking for proof showing that these accounts are mine and neither companies has responded to my request i demand that they both delete all inaccuracies off of my reports immediately or I will be forced to hire an attorney and seek legal fees for the stress this has caused me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

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. 
XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

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

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 2022-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was a few days past due on my credit card account through Comenity for Zales and began receiving multiple calls a day from a private number. I do not answer calls from private numbers as they are often spam calls. This caller never left a message but would call repeatedly. Had they left a message then I would have known to check my account. Finally, I answered and they told me who they were and why they were calling. I got online and made the payment as soon as I knew. 

The ridiculous number of calls I received is the topic of my complaint. It was 4 calls in 3 hours each day. I have multiple jobs and go to school full time. If it isn't important enough to leave a message or call from a visible number, then it isn't important enough to call that many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: PA

Complaint narrative:
My name is XXXX XXXX. I have fraudulent accounts on my consumer report. I sent 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 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XX/XX/XXXX is when I first started driving up to Colorado, there were fraudulent atm withdrawals made on my card with my PIN number amounting to a total of {$540.00} claim was made on XX/XX/XXXX claim ID number is # XXXX the bank is insisting that the charges were made by me as I am the only one who knows my PIN number, however I have never been to the two restaurants that was explained to me by the fraud department. I had told them everything I knew about the situation and this is not the first time my account information had been hacked, if you look in the past fraud history my card has been targeted more than seven times. The bank has now denied the claim and states that If Im not able to provide any more information on who might have my pin then the claim will stay denied. When speaking with XXXX, one of the fraud reps from Bank of America he told me that card skimmers are not able to extract my PIN number, however upon further research they are able to make complete copies of your card with your PIN number, all information being obtained from a card skimmer. On the way to CO I had to spend roughly {$1500.00} in diesel fuel, so my card was used multiple times at different gas stations across the country, XX/XX/10 times when my card information was stolen/hacked in Florida was from a gas pump card skimmer, I have pulled them off the gas pump myself just checking them before, this countrys day and age of an honest dollar has been washed down the sink, we are in a dog eat dog world, technology is advancing quicker than we can snap our fingers. I should not be paying for bank of americas poor security measures in protecting there clients and everyday consumers.

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 2022-11-28 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: PA

Complaint narrative:
My name is XXXX XXXX. I have fraudulent accounts on my consumer report. I sent my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: PA

Complaint narrative:
My name is XXXX XXXX. I have fraudulent accounts on my consumer report. I sent 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 2022-11-28 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 1 month to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: AR

Complaint narrative:
I HAVE CONTACTED THIS COMPANY SEVERAL TIMES THROUGH EMAIL ABOUT ID THEFT, HOWEVER THIS INFO IS STILL REPORTING TO MY CONSUMER REPORT, I HAVE PROOF WE EMAIL AND THEY TOLD ME VIA EMAIL THEY REMOVED THIS FROM MY CONSUMER REPORT WITH 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 explanation
Consumer complaint received 2022-11-28 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: AR

Complaint narrative:
I HAVE CONTACTED THIS COMPANY SEVERAL TIMES THROUGH EMAIL ABOUT ID THEFT, HOWEVER THIS INFO IS STILL REPORTING TO MY CONSUMER REPORT, I HAVE PROOF WE EMAIL AND THEY TOLD ME VIA EMAIL THEY REMOVED THIS FROM MY CONSUMER REPORT WITH 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 explanation