vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, I XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I've been using my Synchrony Bank Amazon Store Card with my Amazon XXXX membership for a few years without any issues. I converted my regular Amazon XXXX membership to Amazon XXXX XXXX membership in summer XXXX and later noticed that I stopped receiving 5 % rewards even though I've been using my Synchrony Bank Amazon Store Card only at XXXX. I called Amazon and Synchrony Bank about 10 times total over the period of 5 months. I've been told numerous times different things like " your case has been escalated '', " you will be contacted soon '', " your will receive your rewards shortly '' ... No rewards, nobody contacted me. I kept making purchases using my store card in the meanwhile. The last time I called on XX/XX/XXXX, I spoke to a supervisor and I've been told that I was not entitled to any rewards, since I was a XXXX XXXX  member. Only regular XXXX Members were untitled to rewards using Amazon Store Card. Very frustrating. I was not notified that I will not receive any rewards if I convert to XXXX XXXX None of the representatives except for the last one had the answer. I lost a lot of time and over {$200.00} in rewards, they offered a {$50.00} credit

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 2023-02-25 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: SD

Complaint narrative:
One of my reported addresses is the post office physical address in XXXX South Dakota. I have a mail box inside the building and I also use my physical street address when I correspond with companies.

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 2023-02-25 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: SD

Complaint narrative:
One of my reported addresses is the post office physical address in XXXX South Dakota. I have a mail box inside the building and I also use my physical street address when I correspond with companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: TX

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2023-02-25 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/XXXX, I went to wells Fargo branch in XXXX, FL, to put an alert on my account to prevent frauds and for them to take extra precaution with Withdrawal because my driver 's license and wells fargo debit card were stolen on XX/XX/XXXX when someone broke my car window and stole my bag. That same day on XXXX, XXXX, XXXX, I called wells fargo and requested that my debit card to be cancelled and told them what had happened that the police found out that my car was broken into. However, on XX/XX/XXXX, a fraudulent withdraw of XXXX dollars was made on my checking account at one of Wells Fargo 's branch in XXXX Florida, on XXXX XXXX XXXX, XXXX, FL XXXX. 

when i found out on XX/XX/XXXX that a fraudulent withdraw was made on my checking account, i called the bank and explain the situation, they stated that it was unusual because i have an alert on the account, and there should have been extra steps of verification. I went to the branch that afternoon on XX/XX/XXXX to see a manager. they would not let me see a manager, but was told this should not have happened with your license because the alert clearly states that your drivers license was stolen and needed extra verification. 

on XX/XX/XXXX, Wells Fargo concluded that they will not reimburse me my money without proper investigation stating that my signature on file matches signature on the item in question, and a state issued ID, the stolen drivers license was used as identification in the transaction, therefore, i will not reimburse. 

I am filing a complaint against Wells Fargo for their negligence in handling my money and their lack of investigation in coming to a resolution, and in the process calling me a liar by stating that my signature matches my stolen ID, essentially telling me I made a false claim. I want Wells Fargo from now on, to do thourough investigation in instances like these, such as reviewing footages from their branches and to do proper background in people they are hiring to deal with people 's hard earned money. 

Above all, I want my money back with an apology for denying my claim without properly investigated the claim. I want Wells Fargo to be held accountable for how they handle my money and how they treated me. I have made several trips to the bank where the fraudulent transaction happened, spoke to several agents on the customer service lines with no results. I have yelled, screamed and highly stressed because of how wells fargo handled my case. I have been on the phone with the police more than i can count. I should not be the one investigating my case when this happened at the branch ; I frankly feel this is internal fraud.

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 2023-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-25 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: VA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Im a victim of identity theft and my accounts cleaned out the person got arrested but Wells Fargo still havent given me my money back Im single parent of six and I work but I dont have money to just allow people to sell it from me. I have all of the documents to support my claim and they DONT CARE ABOUT THEIR CUSTOMERS

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 2023-02-25 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: NJ

Complaint narrative:
There are accounts that are not mine on my report. XXXX XXXX XXXX {$23000.00} XX/XX/2021. XXXX XXXX XXXX {$12000.00} XX/XX/2021. XXXX XXXXXXXX XXXX {$87.00}, XXXX XXXX {$30.00}, XXXX XXXX {$30.00}, XXXX XXXX {$4.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: NJ

Complaint narrative:
There are accounts that are not mine on my report. XXXX XXXX XXXX {$23000.00} XX/XX/2021. XXXX XXXX XXXX {$12000.00} XX/XX/2021. XXXX XXXXXXXX XXXX  {$87.00}, XXXX XXXX {$30.00}, XXXX XXXX {$30.00}, XXXX XXXX {$4.00}.

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 2023-02-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone purchased XXXX XXXX XXXX tickets with my information transaction date XX/XX/2023 with 2 transactions. {$550.00} and {$440.00}. 

I disputed with Bank of America. Through their investigation they determined that I had received the service that XXXX charged me for. I did not make any transactions with XXXX. 

The day the charges were made I was flying out to XXXX. So my location is proven with my travel documents which is around the time the transactions were made. The location of the purchaser must be determined to further provide evidence that I did not make those transactions.

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 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I was a XXXX customer for about five ( 5 ) years and I always have device protection insurance. In 2018, I upgraded two ( 2 ) devices on my account through promotion. A couple weeks after the upgrade, I accidentally dropped my phone. I went back to XXXX the retail store to get my phone screen replace only to find out that my deductible has increased from {$100.00} to {$150.00}. I asked the agent why I was not informed about that increase and his answer was that the person who served me was novice. I wanted to pay off the damage phone and return the other phone so I can close my account. Also to find out that through that promotion I just signed a new two ( 2 ) agreement with them. Again, I waas not informed. I don't think as an existing customer, with five ( 5 ) device on my account, my agreement should change when I upgrade two ( 2 ) phone. At least, someboby in the store should have told me. I was not happy with the way they were handling the situation so left all the devices on the counter with them. I got couple bills from XXXX and called the customer service and explained everything to them. I was told that they will look into the situation to call me back but never did. Only time I got called is to take of the bill. Now, many years later I am being reported to a collection bureau.

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 2023-02-26 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: AL

Complaint narrative:
Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines.

Any deviation from these standards jeopardizes the integrity of data. & quot ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!

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 2023-02-25 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV FUNDING LLC is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$260.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, LVNV FUNDING LLC failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay LVNV FUNDING LLC and Im demanding them to remove the collection account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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 — Problem with personal statement of dispute
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
On XX/XX/2021 I canceled my services with XXXX XXXX because of move. All equipment was returned and no bill or existing balance was due. I was never billed for any existing balance and found out through XXXX that my XXXX XXXX  balance is in collectIons. 
Upon seeing this on my credit report I immediately contacted global radious solutions and paid the balance in full. I was never given a bill or a chance to bring my account to paid. I should have been given at least 30 days to pay my balance. No more than 90 days had passed since I terminated my services with XXXX. I had excellent credit up until this derogatory remark became a part of my credit report. I should not be punished with this negative impact on my credit score. Please let me know what I need to do to have this removed.

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 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I, XXXX XXXX, consumer, have come to the understanding that Portfolio Recovery Associates is in violation of my rights to privacy ( see attachments )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 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 — Other problem getting your report or credit score
Company: LEXISNEXIS
State: PA

Complaint narrative:
for the past 2 years I have been attempted to get a copy of my consumer disclosure file from LexisNEXIS refuse to provide me with a copy of my file proper documentation was send to the company on several occasion the last complaint I filed with cfpb the lexisnexis reply & instruct me to request a copy of my report to they website which I did two week later the company send me a letter unable to process your request but provided me with a link and password to download the report when I attempt pull the report with the information provided by lexisnexis the link was legit but the password was fake I'm still not able to get a copy of my own file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
Common Wealth Financial Services is reporting to XXXX, XXXX XXXX XXXX that I owe a " Medical Debt '' to them for {$1300.00}. I have not signed any contracts with Common Wealth Financial Services. Nevertheless, Common Wealth Financial Services should not be in receipt of my medical information. This is a violation of my XXXX & subtitle D of the XXXX, SEC. XXXX. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: TN

Complaint narrative:
The card keeps getting blocked and is unusable. I did not agree to the terms and conditions of this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
The credit card was never mine and I never had a Walmart credit card. I contacted them years ago and thought it was cleared up now XXXX XXXX XXXX has reopened this to the credit agency years later and has reported it opened in XXXX that is also incorrect.

Company response to consumer: Closed with explanation