vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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: MI

Complaint narrative:
On XX/XX/2021, I initiated a dispute on credit report to the credit bureaus asking if they report bankruptcies to the credit bureaus and I got a letter stating The company that reported the information has certified to Experian that the information is accurate. To date, I have not heard back for the dispute with the other agencies. How did the credit bureaus verify my bankruptcy as 100 % accurate? I do not believe a fair investigation was conducted 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 interviews 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 the consumer. 

The credit bureaus also violated several other of my rights. 

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 right to privacy.

According to : 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 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 2023-02-09 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$620.00} XX/XX/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 2023-02-09 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XXXX XXXXXXXX have compromised my data which is my bank account my XXXX  maiden name and my social security with a compromised email account that have pulled me a debt spiral of identity theft spree since two and half years i was successfully able to get one of the original creditors to investigate and send me correctional 1099 for debt cancellation of the highest amount amongst three debt account caused by identity theft in past two and half years which is also attached for further documentation i am buying a home and i have to get this cleared its been way too long for credit reporting to address it kindly remove it asap and take action with this report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Hello, I am filing this complaint in reference to my Capital One 360 Checking account. Over the last week I have used " transfer from an external account '' feature in my online banking to transfer funds from my Bank XXXX XXXX account to my Capital One account. The reason for these transfers was that I recently received an annual bonus from my employer, which were deposited to XXXX. However, I wanted the majority of this bonus to be deposited at Capital One. 

I initially tried to transfer {$8500.00} using this feature in Online Banking, however I was told that it exceeded the daily limit. For this reason, I sent a series of smaller payments over the next few days. This morning ( XX/XX/2023 ), it seems as though this feature has been drastically reduced, so I called the customer service line. During that time, I was informed that I had a monthly external transfer limit of {$5000.00}, and I was nearing the limit for the month. I was also told that it was one of the lowest monthly transfer amounts she had seen on an account. 

Here is my problem : I want to be able to transfer the remainder of my bonus to Capital One from XXXX. I want to be able to do this at no charge, as Capital One offers a free external account transfer feature on their mobile app and customer portal that they have decided to limit my account on for the remainder of the month. I am flexible for ways to do this, but since I do not have a physical branch near me, the only current way to do this would be for me to send via wire transfer and incur a fee from XXXX. My preference would be to reinstate my ability to transfer from an external account. It seems like this shouldn't be a problem since " My transfer limit was one of the lowest limits '' the agent had ever seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To whom it may concern : I writing out of consumer and investor concern in regards to Wells Fargo Advisors and Wells Fargo Bank in XXXX, GA. I was employed with Wells Fargo Advisors in XXXX from XXXX of XXXX until XXXX of XXXX. I have 27 years in the financial planning business. Wells Fargo Advisors and Wells Fargo Bank is intentionally not updating/changing the agent of record on all annuities when a financial advisor resigns or leaves their firm. Is this localized or is this nationalized? Each region operates independently. Some of these annuity statements still have my name on them as broker of record. How is this possible? They are using my name without my consent as well as jeopardizing my integrity. Is this a risk to me to be associated with Wells Fargo in this manner? I have old ( that did not transfer to my new firm ) clients asking why do I still have access to their annuity when I am no longer employed with Wells Fargo. This puts me in an awkward position. Wells Fargo Advisors is putting my integrity at jeopardy candidly. As stated, I have 27 years in this business and take great pride in doing business the transparent and compliant way. I have been separated from service for 18 months and still the agent of record on these annuities. This means I can still call the annuity carrier and obtain contract information WITHOUT the clients consent. Is this in the best interest of the client and consumer? 

How does this fit REG BI ( FINRA Best Interest Rule ) and in the best interest of the client?

One interesting detail is most of these annuities are under the {$250000.00} account threshold minimum. Wells Fargo Advisors pays no commissions on annuities/households under {$250000.00}. So at the expense of the consumer, they are placing all annuities into a house account and retaining the revenue while jeopardizing confidentiality of the client. Please address this unethical behavior. 

Below is a link to the Wells Fargo Advisors recent article relating to small household payouts. Please read. 

Per the client 's request, there is a copy is a client statement that they sent to me out of concern. Please see attachment as as well. 

My concern is this similar to HIPPA by breaching client confidentiality? 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like for the credit reporting agencies to look over the pdf I attached to see items that should be deleted or disputed.

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has consistently been charging me over draft and late fees on everything refused to refund it, money was there, and the way they do their transactions pulling makes me go into late fees, i tried to contact them they refuse to help me. My other banks don't charge me multiple late fees.

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 2023-02-09 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
For XXXX week, Experian responds online to my request for my free annual credit report by indicating it can not provide the report and I must send a form containing my SSN and other personally identifiable information via US mail to receive it. This is not the first time this has happened and there is never any reason/justification given for this repeated problem. Experian seems to think sending my SSN via mail is not a problem, even though this opens the door to identity theft. If Experian can not fulfill its responsibility to consumers under Federal law, it might be a good time for it to cease its existence. There is no need for 3 credit reporting bureaus in the United States.

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 2023-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
l bought the car and he was very bad with electrical mechanics ploblems and XXXX time the car was returned to the dealer for almost killing me in the car i need to be removed because of my credit reports please that's why i returned it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Chex Systems Reference ID is XXXX XXXX XXXX Chex Systems is illegally reporting business data on my Personal Chex Systems to support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Louisiana. 
XXXX ) I, XXXX XXXX, have not written any Checks for XXXX XXXX Bank in over 24 Months after discovering that XXXXXXXX XXXX XXXX had illegally allowed XXXX White Women XXXX XXXX XXXX and XXXX XXXX to write checks and to transact business on my business accounts as though they were the owners of my XXXX Owned Business. I am the sole and only legal owner of XXXX XXXX XXXX. I reported to the bank that I suspected XXXX XXXX XXXX pretending to be me, and my business had committed Fraud using my business account XXXX and that the bank had allowed additional accounts to be opened illegally as belonging to me XXXX XXXX. 
XXXX ) I reported that thousands of dollars were missing in my business account XXXX, and I requested a full audit from Branch Manager XXXX XXXX on XX/XX/XXXX - See attached XX/XX/XXXX. Multiple requests were made by email and by phone to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX From XX/XX/XXXX I requested that all Auto Drafts be cancelled, and I requested that the account be closed XX/XX/XXXX and stopped all known merchant drafts. 
XXXX ) Despite several requests from XX/XX/XXXX to today I have not received any notations of a Closed account, or monthly statements from XXXX XXXX XXXX, nor have I received any reports from the Audit I legally requested prior to closing my accounts. 

Please immediately have Chex Systems Remove the False notation from my report from XXXX XXXXXXXX XXXX being fraudulently reported as a Personal Transaction by me XXXX XXXX. I have not done these transactions, nor have I written any Checks that had an NSF that related business drafts are not related to my activity and should not be reflected on my Personal Report. Please investigate all banking transactions at XXXX XXXX XXXX transacted as XXXX XXXX and XXXX XXXX XXXX. I did not receive Monthly Statements, Wire Confirmations, and any information regarding the false data being reported to Chex Systems as of XX/XX/XXXX as mine. These are not and can not be my banking transactions. These transactions should not be on my personal reports. An update must be sent by Chex Systems to all banking authorities requesting my banking details. 

See Supporting Documents attached. 
Thank you, 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 2023-02-09 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: Block, Inc.
State: CA

Complaint narrative:
I received XXXX debit cards issued by Square/XXXX.XXXX  XXXX XXXX did not request and I don't have an account with this company. Square was unwilling to help me prevent this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: DE

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. 

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, has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The representative XXXX XXXX repeatedly misrepresented the collectability of the account. She claimed the account was still within the statue of limitations when it is not. It was charged off in 2018 and I am in California. She is required to read a statement by law about the account not being in the statue of limitations and she did not. Also she claims they still have the right to report the account as open and in collections when it is charged off. I also spoke with the Supervisor XXXX XXXX and she apologized saying the representative was new, but this isn't an excuse to violate the rights of the consumer. XXXX XXXX was of no help only tried to negotiate repayment terms with me and seemingly avoiding addressing the violation of my rights as a consumer. All they seemed to care about was collecting money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I called the debt collector after seeing my credit drop on credit Karma. My identity was stolen and used to buy electrical service through a utility company in XXXX. I am in a panic as my social security number is being utilized for someone in Texas. I filed a dispute with XXXX credit bureaus and upon reaching out to the debt collector was told they do not email the necessary information to dispute fraud and to take care of my fraudulent debt. The agents name was XXXX - phone number XXXX. She then proceeded to ask me for my address phone number and spouses phone number. Clearly with the intention of still collecting the debt. This has been a harrowing experience for myself and my family. The debt collector told me without gathering all of this information they would not be able to dispute the fraud. This is clearly a violation of defined statutes and needs to be addressed. I still have no way to resolve the fraud as I refused to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: DISCOVER BANK
State: ID

Complaint narrative:
I contacted discover over plain tickets I bought that the tickets got canceled and because it was done through a second or third party the airline couldnt refund me. 
I have contacted the airlines and filled a complaint and discover would not refund the money because I cant get proof from anybody showing the tickets where not used by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
Crypto.com allowed me to transfer XXXX to a fraudulent cryptocurrency options trading platform, XXXX, and I was not aware of the scam, although I am sure Crypto.com has the expertise and technology ro identify high risk and fraudulent websites and wallet addresses. I have lost approxiimatey {$230000.00} USD of my personal funds through this scam, with aprroximately {$190000.00} USD of that personal funds loss transferred through Crypt.com. 

Two documents are attached. These include my complaint letter conerning Crypto.com to CFPB, and my original complaint letters ( ADR and rebuttal ) submitted previously to Crypto.com.

Company response to consumer: Closed with explanation