vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I noticed I had a charge-off on my credit report that should'nt be there, because the IRS considers a charge-off as gross and ordinary income by definition, and it should be filed as taxes, and under the form 1099-C cancellation of debt ( 1 ) cancelled debt must be reported as taxable income on annual tax returns even if the issuer does'nt send a form 1099-C because the canceled debt is less than 600 dollars. Under 15 USC 1681 S2 : Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to any 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 2023-04-03 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: MD

Complaint narrative:
To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition, to civil liability. By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with COMPANY NAME. furthermore, I do not have anaccount as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review for collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}.

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2023 at XXXX XXXX I placed an {$74.00} order to XXXX. My order was stolen from me when the driver went by on XXXX XXXX  and when I contacted XXXX for the first time they have refused to refund me. On the day the charge settled, I contacted Cashapp for a refund for the merchant for failure to render services. And they have refused to refund me, without an adequate explanation as to why my request is being denied. 

I have contacted my lawyer about this situation and also XXXX XXXXXXXX - XXXX XXXX, with Cashapps refusal to issue this chargeback. They have NOT handled this matter, and I will NOT stop filing reports and calling until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
There is a bank name Wells Fargo fraud bank closed my account fraudulently and I lost {$760.00} which every month of the 3rd I receive from the Social Security Administration. I opened this account on XX/XX/XXXX XXXX XXXX and they closed my account on XX/XX/, in one month. I gave my this Wells Fargo account number to Social Security Administration to deposit funds in this Wells Fargo account and they said that on this XX/XX/XXXX, they deposited {$760.00} funds in my this Wells Fargo account but before XX/XX/XXXX XXXX came this fraud Wells Fargo closed my account on XX/XX/2023, and sent notice to me and it takes days to receive a notice and then Social Security Administration can't take changed account number fast in some days and deposits funds in a different account. So on this XX/XX/2023, Social Security Administration tried to deposit funds in my Wells Fargo account but I didn't see any funds in my Wells Fargo account because the account was closed. So I lose this XXXX {$760.00} from Social Security Administration and Social Security Administration can't change any personal bank account immediately they take one month to change that person 's bank account. So if I called Social Security Administration to Change my bank account number then they gon na say that they can change my bank account information next or I think on XX/XX/, until they can deposit funds in my Wells Fargo account but this fraud Wells Fargo bank closed my account and I lose my this month {$760.00} and if I wait till XXXX than I gon na lose a total of {$2200.00}. And I requested this fraud Wells Fargo to reopen my account but they didn't reopen the account. 

And they closed my account because I deposit 2 checks in my account from another bank and that other bank returned those checks because there were not sufficient funds in my account and because those funds came into my account at XXXX when I deposits the check but that other bank returned the check on same day XXXX and on same day XXXX  there are so many funds come in my other bank account but because of another bank my those deposits checks were returned and because of that Wells Fargo closed my account. Every bank charges returned check fees from customer 's accounts but this Wells Fargo bank didn't charge returned check fees from my account they closed my account and committed fraud and they did this because, Wells Fargo breaks federal consumer protection laws that apply to financial products, including auto loans, mortgages, and bank accounts. And Wells Fargo is required to pay more than {$2.00} billion to customers who were harmed, plus a {$1.00} billion fine that goes to the victims relief fund.

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 2023-04-03 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  by Comenity Bank I paid off the account and told them to close the account I asked to pay extra on the amount due they would not accept the extra {$10.00} They charged me a {$2.00} finance fee and they then charged me {$15.00} twice for fees on a closed account. 
I want these tactics noted and Id like the company under investigation. I never had a problem over paying my final amount to prevent from getting more fees on a credit card. Im upset and I do not want to pay these fees. 
I have found Comenity Bank to be unethical, greedy and suspicious in their practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Need funds released to me for use. They have made it so I cant use my account but have taken my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-03 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: NY

Complaint narrative:
XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX bank ) XX/XX/XXXX Div.of child support XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXdoes not show date ( was not me ) 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 that a consumer reporting agencie can not furnish an account without my written instructions.

15.U.S.C 1681 section c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items or information.Any other adverse item or information other that records of XXXX of crimes witch antedates the report by more than 7 years 15.U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or 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 2023-04-03 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: NY

Complaint narrative:
XXXX  ( Bank XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( bank ) XX/XX/XXXX Div.of child support XX/XX/XXXX XXXX XXXX XXXX XXXX-does not show date ( was not me ) 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 that a consumer reporting agencie can not furnish an account without my written instructions.

15.U.S.C 1681 section c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items or information.Any other adverse item or information other that records of XXXX of crimes witch antedates the report by more than 7 years 15.U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or 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 2023-04-03 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-04-03 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: LA

Complaint narrative:
Bank account being deactivated due to fraudulent charges phone 's not being carefully correctly with withdrawals and use of debit card

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 2023-04-03 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Lendmark Financial Services
State: PA

Complaint narrative:
The above named account t had been brought current, or paid up to date on XX/XX/XXXX. They never reported my payment to the account, nor to the credit bureaus. They are purposely ruining peoples lives by repeatedly ignoring federal and state laws protecting us from such actions. They are furnishing inaccurate. Invalidated to all XXXX credit bureaus including XXXX, XXXX, and XXXX. My car is not in reposession, and I demand that it be removed as soon as possible as its is a violation of 15 usc 1692g. This also constitutes fraud amongst other federal and state violations for abuse of credit reporting etc. Congress created these laws to protect consumers. Can you guys protect me? Or are they above the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/ I received emails and text messages referencing a checking account with Capital One that was fraudulently opened under my maiden name. I called Capital One to close the account on XXXX XXXX and was told I successfully closed the account and would receive a letter confirming that within 10 days. I also mailed a letter on XX/XX/ to Capital Ones fraud department to reiterate the closure of that account. I have not received any confirmation that the account was closed and on XXXX received another email from capital one that I needed to sign into my account to complete setting up my account or it would be closed. This indicates that the account was never closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
Transworld Systems Inc account # XXXX states I owe XXXX to XXXX XXXX XXXX 
Opened XX/XX/XXXX I don't have a contract with XXXX XXXX. My lease ended XXXX XXXX XXXX  I was out of the apartment XXXX XXXX XXXX 
Gave notice 90 days in advance. 
See notice attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022 I received a Bank of America message ( # XXXX ) asking if I was attempting a quickpay transfer of {$2400.00}. To this message I answered no on XX/XX/XXXX. They requested to call me on XX/XX/XXXX. They called on XX/XX/XXXX. The number that came up on my caller ID was XXXX ( XXXX, NJ ). I spoke with a person claiming to be a representative of Bank of America stating that beside the attempt to transfer the {$2400.00} there were also two more attempts to take {$400.00} and {$240.00} which I received two more BOFA fraud alert text messages. He walked me through the " recovery '' of my money using XXXX where he had me put in my name as the recipient and then use the email address XXXX. He informed me that I should see the money in my account in a few hours. This of course never occurred and I filed a fraud claim a couple hours after the phone call. Bank of America has since denied the two claims I put in claiming that since it was a scam and not fraud, my claim is not covered under Regulation E under EFTA. I had sent an email to XXXX on XX/XX/XXXX, notifying them with attached screenshots of the transactions and communication with the scammer, detailing what had occurred. Bank of America responded a few days later and they again reiterated that there was nothing they could do. Despite arguing that this third party fraudulently gained access to my account by claiming to be a Bank of America representative and tricking me into sending money and initiating an EFT, they still claimed that it is not covered under Regulation E, the main issue being that it was not fraud but a scam and therefore I had knowledge and willingly authorized the transaction. I did not send the money with the expectation I was going to be receiving any goods in return. The money was sent as I was falsely led to believe it was to protect the money in my checking and savings account.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The credit bureaus continue to violate my consumer rights by reporting inaccurate information on accounts that have been removed off my credit but re inserted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a XXXX XXXX card in my name only and lost it in XXXX in XX/XX/22. Capitolone.com closed the card and opened two different cards through their company called Venture One Credit Cards. Problem : Each time I make a purchase my husband who is not on either account, is notified of the transaction. Capitol One has been notified and I have gone to the technical support division but they have no data of his phone number ( XXXX ) on my new cards, yet they continue to notify them. I told them that they most likely transferred information from the old XXXX XXXX card and would need to access their archives to correct. Violation of my personal and financial privacy. Remains unresolved. I have spent on various occasions in access of 7 hours by telephone attempting to rectify, yet he is still notified of every purchase I make. They notify on card number XXXX and XXXX via push notifications through phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation