vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
While on assignment in XXXX XXXX Pennsylvania, XXXX XXXX. 
I received a phone call from a lady claiming to be a representative of XXXX XXXX. Representative asked me some questions I refused to answer, on my lunch break I returned call to XXXX XXXX. 
Apparently, credit card was stolen and fraudulent user went over credit limit. There were purchases made but I was told and assured that I would not be charged nor held accountable for any merchandise charged. 
Years later XXXX, XXXX XXXX XXXX, XXXX, CT XXXX - XXXX, ( XXXX ) XXXX XXXX representing XXXX XXXX XXXX credit card stating I owe ( {$1100.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TX

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.

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 2023-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I sign a contract for a auto loan with Credit Acceptance that had 22.9 % interest and hidden fees that were over Louisiana usury limits on 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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NC

Complaint narrative:
My account was locked after I deposited a check. On XXXX XXXX I was told it would be fixed on XXXX after check cleared. I wasn't given any notice by the way. XXXX was a weekend and Monday was holiday also Tuesday and my account frozen still. No response, no info from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This letter is to inform that we are reaching out in regards to property address XXXX XXXX XXXX. XXXX, FL XXXX with loan # XXXX, in the original amount of {$130000.00} dated XX/XX/XXXX XXXX XXXX ( attached ) recorded on XX/XX/XXXX in XXXX XXXX Page XXXX in XXXX XXXX. The satisfaction that was provided from Wells Fargo Home Mortgage Recorded on XX/XX/XXXX in Book/Liber XXXX Page XXXX refers the incorrect Page from the Satisfied Mortgage mentioned above ( attached ) which should read XXXX XXXX vs XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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:
I reached out to them back in XXXX and XXXX and basically just brushed off and told that I had to pay it to get it removed. But its not my account to pay I have made several disputes to no avail.

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 2023-06-01 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:
I reached out to them back in XXXX and XXXX and basically just brushed off and told that I had to pay it to get it removed. But its not my account to pay I have made several disputes to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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:
I reached out to them back in XXXX and XXXX and basically just brushed off and told that I had to pay it to get it removed. But its not my account to pay I have made several disputes to no avail.

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 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

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 2023-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
On XX/XX/2023 at XXXX XXXX I received a phone call from XXXX XXXX. They said that they were Wells Fargo and asked me if I had made some purchases. One in XXXX XXXX, Texas for {$240.00} and another at a XXXX somewhere else for {$200.00}. I replied no and the man on the other end said ok and said to hold on one moment. Then he asked me if I had made a wire transfer and I said no I did not. He then walked me through a " wire reversal '' through my Wells Fargo app. Which involved me putting in the amount of the wire transfer {$12000.00}, information for someone's account, and typing " XXXX '' in the message to the bank on the other end. Then he had me wait a while then gave me his name and employee ID which ended up being fake. I called Well Fargo at XXXXXXXX XXXX the same day the other call occurred ( XX/XX/2023 ) and they said they would stop the transfer and they shut off my online account. They told me I needed to go to the bank the next day so I did. The person at the desk gave me a case number and told me to wait for the bank to get ahold of me and if I didn't receive anything in the next week to call them. So this week I called them and they said that my case was closed and to wait for the piece of mail they sent me or call a number for more information regarding my claim of fraud. I received the mail and it said that they initiated a wire recall on my behalf to attempt recovery of the funds. Unfortunately, the beneficiary bank responded that there were no funds available to return. As a result they are unable to reimburse me and have closed my claim. I am going in today to talk with them and see what my options are but it seems like they won't help me.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2023 I received a letter from navy federal credit Union Stating that they denied my fruad claim for {$5100.00} Navy federal credit Union provided no explanation. Under the FCRA Upon request The creditor is supposed to provide verifiable documents regarding their decision. 

I have been notified from XXXX and the credit bureau XXXX That my personal information has been located on the dark Web. 

Navy federal credit Union is fully aware that I am a previous victim of identity theft and my account was Previously compromised Which is the reason why I have a code word to access my account via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: NY

Complaint narrative:
I have disputed some hard inquiries to EXPERIAN which are unauthorized by sending them a letter in the mail including proof of identity documents, however, after their investigation, they did not remove the questioned hard inquiries and did nothing to delete them. This is an unfair practice. They should do better.

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 2023-06-01 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase VISA - Dispute Reference : XXXX Chase has denied my claim for a fraudulent charge from luggage shipping merchant, XXXX, even after providing them photographic evidence that the bag I shipped was not oversized. VISA just told me " they don't review photographic evidence '' and " because the merchant provided an invoice the charge is valid. '' Please see history below and note I provided photos with measuring tape of my bag. 

I paid XXXX {$170.00} on XX/XX/2023 for the XXXX XXXX shipping of two pieces of luggage from my home and back. A duffel bag and ski bag. This charge was determined by the weight/size of my luggage. 

On XX/XX/2023 XXXX charged me an ADDITIONAL ( which I did not approve ) amount of {$180.00} ( claiming it was oversized for the trip out ) On XX/XX/2023 XXXX  charge me an ADDITIONAL ( which I did not approve ) amount of {$200.00} ( claiming it was oversized for the trip back ) For both of these additional charges, XXXX claimed the ski bag I shipped was larger than it was XXXX requested I send in evidence of the size of the bag- I sent them that evidence in photographs XXXX claimed that my bag measured 77.0 x 20.0 x 10.0 in ; But as you can see in the measurements, my bag actually measured 66x12x7 XXXX uses a formula of XXXX / XXXX  to determine a number... if that number is less than 65 - then my bag 's original charge was the correct charge As you can see below, with that formula, I come in under 65. Even IF one were to include a couple more inches in the measured dimensions, I would still come under the limit. 

XXXX claims that XXXX " laser scanned '' my bags during shipping. Well I don't know what that means, and perhaps their system isn't effective for odd sized items ( e.g., it's not a square cardboard box ) ... .but I know that a tape measure doesn't lie, and I don't lie, so this is a FAKE CHARGE and should be refunded If XXXX can not rely on XXXX for correct scanning of odd sized objects, they should not provide this service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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:
About three years ago I was going to switch to open a XXXX XXXX account for my business. This was all done over the phone with XXXX XXXX. We agreed on a package and they were going to send me phones so I can activate the account. Before that I received an email to make a payment to activate the account and it wasnt what we spoke about so I cancelled it never activated the phone and sent it all back. Now three years later this came up on my XXXX credit report. I am being billed for {$840.00} from XXXX XXXX A collections is on my credit report. I disputed it twice and I am being told it is accurate. I also called the collection agency and they were not helpful at all. Just said to dispute it on my credit report. Please assist on this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. The XXXX credit cards was opened XXXX XXXX receiver of account was XXXX XXXX XXXX collections agency on XXXX XXXX was the date they received my credit card account. A settlement arrangement of XXXX was made with XXXX XXXX XXXX to settle my account for the payment I made on XXXX XXXX in the amount of XXXX and they did not hold up there end of agreement to get the account deleted. 


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 agency can not furnish an account without my written instructions. 

On Tuesday XX/XX/ I called in and I asked the company to do a thorough verification and investigation on my credit report because the payment I made was to settle the account and they stated that they completed verification and that everything deemed to be accurate and had been reported to all 3 credit bureaus. Even after speaking with them I did a thorough research for myself and I found improper inaccuracies on the credit report even after they did the thorough research and investigation on this account it's still listed on my credit report after being resolved. I reached out to the company and they tried to make me do a payment arrangement and I stated that I was not going to pay for a account that is supposed to be settled.

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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/2023 I opened a dispute with Chime Financial regarding a {$350.00} charge from XXXX XXXX. The insurance company overcharged me and I needed to have Chime step in to recover my money. On XX/XX/2023 I called for an update on my dispute and was informed by a live agent, that I needed to have my dispute re-categorized. I agreed to having the dispute re-categorized and thats when the problem started. Chime does not answer questions, they just read or send the same script to any and all questions. I contacted the XXXX XXXX Accounting Department regarding my dispute. XXXX provided me with a letter stating the charge for {$350.00} had been reversed to my canceled debit card. I uploaded the letter and a screenshot of the reversal to chimes customer service portal, as I had not been issued a provisional credit or refund after my initial filing. My frustration is that Chime does NOT communicate with its customers or answer intelligent questions. I was told to email my questions to Chime support. However, I am not getting answers to my questions. Im simply getting the same form letter with the authors name changed. Chime is not transparent with their customers, they do not protect their customers, nor is it easy to get any questions answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: NC

Complaint narrative:
I received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts? 

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 

You were supposed to interview my neighbors and interview my friends. 

Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
When did you talk to them? 

One more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the Credit Limit, and the Date of Last activity are STILL NOT reporting the same information at all? 

You have violated multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

I demand deletion of the accounts from my credit report. I've listed below : XXXX/XXXX  XXXX XXXX  XXXX XXXX Capital XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted.

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 2023-06-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue.

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 2023-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
On XX/XX/2023 I received a notification from XXXX credit monitoring that a new collection was placed on my XXXX credit file. 

This alleged Collection account was placed on my XXXX credit file reporting from Williams and Fudge Inc. 
XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX * This is a violation of the FDCPA and FCRA as I was NEVER initially notified by Williams and Fudge of an attempt to collect a debt or my right to dispute prior to reporting to a consumer reporting agency. 

On XXXX the XXXX, XXXX  I sent Williams and Fudge Inc a debt validation request to the address that was being reported on my credit file. ( USPS Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX The US Post master informed me that their zip code was NOT correct ) On XXXX the XXXX, XXXX  Williams and Fudge Inc, received and signed for the debt validation request. 

On XX/XX/XXXX  I disputed this alleged collection with XXXX ( Confirmation # XXXX ) as it is a violation of the FDCPA and FCRA as I was NEVER initially notified by the debt collector before they placed the alleged collection on my credit file. 

On XX/XX/XXXX  XXXX received an update from Williams and Fudge Inc that this alleged collection account belongs to me. This is a subsequent and clear violation of the FDCPA and FCRA as Williams and Fudge update INVALDIATED information during the 30 days debt validation period ; this was just 7 days after they received my debt validation request. 

As of today Williams and Fudge still has not validate this alleged debt to me and is refusing to remove it from my XXXX Credit report. To be clear I was NEVER notified of an alleged debt by this debt collector before placing it on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Notice to cease and desist unfair and deceptive trade practices. Please see the attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation