vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Someone opened a Bank of America account in my name. The account was closed by BoA for fraudulent activity and I asked for an investigation for identity theft. I don't want this fraudulent activity to show up on my reports and prevent me from opening a bank account myself.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter regarding my credit report. I have recently discovered that there are several credit inquiries on my report that I have no knowledge of. Despite disputing these inquiries with Transunion, XXXX, and XXXX, they have refused to remove them. 

Furthermore, I have been informed that my credit report shows missed payments or derogatory indicators on XXXX or more accounts, which is not true. The credit bureaus have also stated that I have heavily used my available revolving credit, which is incorrect as my revolving limit is only XXXX XXXX of my total credit limit. Additionally, I have been wrongly reported as having a relatively high non-mortgage installment loan, with XXXX XXXX of it paid down. 

These inaccuracies have led to a significant drop in my credit scores, nearly XXXX points in the last XXXX XXXX. I find this to be unjust and unfair. I request your assistance in having all the incorrect inquiries removed and all corrections made to my credit report with all XXXX credit bureaus. I would also like my excellent credit scores to be restored immediately. 

Thank you for your time and consideration. 

Sincerely

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 2023-02-02 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter regarding my credit report. I have recently discovered that there are several credit inquiries on my report that I have no knowledge of. Despite disputing these inquiries with XXXX, XXXX, and Equifax, they have refused to remove them. 

Furthermore, I have been informed that my credit report shows missed payments or derogatory indicators on XXXX or more accounts, which is not true. The credit bureaus have also stated that I have heavily used my available revolving credit, which is incorrect as my revolving limit is only XXXX XXXX of my total credit limit. Additionally, I have been wrongly reported as having a relatively high non-mortgage installment loan, with XXXX XXXX of it paid down. 

These inaccuracies have led to a significant drop in my credit scores, nearly XXXX points in the last XXXX XXXX. I find this to be unjust and unfair. I request your assistance in having all the incorrect inquiries removed and all corrections made to my credit report with all three credit bureaus. I would also like my excellent credit scores to be restored immediately. 

Thank you for your time and consideration. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
A customer made a payment on XXXX. 

The payment was received. 

It was a contractually obligated payment for rent and deposit. 

XXXX the tenant disputed the charges. 

I called and the tenant claimed they didn't dispute the charges. 

The money was removed from my account and given to the tenant with no authorization from account holder. 

I messaged and called Venmo and they said it's already done. 

They do not have that authority to steal money from my account to give to someone. This is fraud. They won't resolve it. So now I'm here asking for consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I applied for a rent payment credit card through Bilt during the first week of XX/XX/2023. It is a card company that seems independent, but is actually completely supported by Wells Fargo, including customer support and payment portal.

During this month of opening the card, I already had to call its customer service line to resolve some issues that I have never encountered through other credit card companies.

1 ) Two days after opening my bilt account, my account was attacked by fraud, and I wasn't notified at all. I only found out when I was scrolling through recent payment. I had to contact Wells Fargo to get a new card.

2 ) Seems like Bilt uses a different payment system than Wells Fargo. I submitted payments ( twice ) through Bilt app, after I successfully linked my bank account on the app. Both transactions failed to go through, so I had to call again. The wells fargo agent told me that they didn't see a bank account linked on their portal. This is why I suspect that Bilt uses a completely different system than Wells Fargo, because their information is not at all connected, which causes a huge hassle for consumers like me. 

3 ) After I had to submit my payment through Wells Fargo ( which went through ), I found out that my account is closed, without any warnings or emails or notifications. And no opportunities to dispute. I tried to explain what was going on, but the agent kept repeating the same sentences that they can do nothing about this, while I clearly have done nothing wrong.

No idea how this closure of my account will impact my credit score, but below are some points that I want to summarize regarding to Bilt : - Constant typos on their website and app - They don't have their own customer line - everything is supported and referred to Wells fargo, which is super confusing - Disconnection between Bilt 's database and Wells Fargo database, which is risky- They have a lot of positive reviews on XXXX app store. I suspect that many of them were fake.

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 2023-02-02 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: OR

Complaint narrative:
Wells Fargo checking account I closed in XXXX due to erroneous overdraft 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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good afternoon, I started an application with my bank on XX/XX/2023. The bank pulled my credit report as part of the process. I have been getting phone calls back to back all day today from lenders. Some of which I asked how they got my number and they stated, the credit report company gives them the information in order for them to call, and offer better, more competitive rates. 
I am filling the report ; however, I do not know if this is common practice. Although, I do not think it is fair for consumers/applicants to have their information and intent all over the place. Much less receive unsolicited phone calls based on an application process. 
Regards,

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I must have used my card at a compromised payment terminal ( i.e. credit card skimmer ) sometime in XX/XX/XXXX. This week ( beg on XX/XX/XXXX & continuing thru XX/XX/XXXX ) my entire cashapp bal has been drained & now overdrawn. Cash app allowed transactions from 7 different suspicious merchants that I've never heard of ( 32 charges totaling {$840.00} ). Cash app denied my dispute even tho some charges came in after the card was reported compromised. Many of the charges are duplicates that came in within 2 mins of an identical charge. Cash app sent docs of the denial of claim that showed the charges I was disputing hit the new card ( issued on XXXX after I reported my other card as compromised ). I didn't have the new card nor knew the new #! I have been given a repeated run around from cashapp support. 


Here is a list of all of the fraudulent transactions : XXXXXXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eagle Recovery Associates, Inc.
State: IL

Complaint narrative:
On XX/XX/2023 someone else at my location answered the call, and they asked for me by first name only and then gave them my birthdate and last XXXX of my social. I feel like this information should not be shared and its an improper way to confirm someones identity as social security numbers are not public information.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

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. 

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/23 received another late payment in my XXXX XXXX on a situation of fraudulent activities on XXXX account ending in XXXX XX/XX/23 called Barclays and they claimed account is closed and at XXXX balance they have no explanation on to why and receiving letters and late payment. I have another XXXX point in late paying I will like to be erased from my credit score. This is making my score go down XXXX points all points where clear in 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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I wired money from XXXX XXXX into my Chase checking account before noon on XX/XX/2023. I planned to buy a car. At XXXX XXXX. that same day ( XX/XX/2023 ) I arrived at the branch, requesting a cashier 's check in the amount of the cash transfer. The wired money showed as available in both my online account summary and on the computer accessed by the teller. When I requested a cashier 's check I was told I could not access money from a wire transfer until the following day. Interesting, given that my spouse completes billion dollar securities deals using the same wire technology to transfer funds. 

Chase 's position is that they needed to hold the money for 24 hours to protect against fraud, clearly not a practice they follow with corporate clients. It looks like Chase holds personal funds while releasing corporate funds. They can " play the float '' with my money in a way they won't with corporations. How much money from personal accounts does Chase use while telling customers they are protecting against fraud? The purpose of a wire is immediate access. The funds came from a reputable source ( XXXX XXXX ). We regularly wire funds from XXXX into our Chase account. We have been Chase customers for more than a decade with significant sums of money regularly moving through the account. In short, there was a history of these types of transactions from this specific entity. 

I waited at the branch for an hour while the management team tried to address my issue. They called the wire offices in New York, speaking with XXXX XXXX in Retail Customer Service. They said the money would be available at the close of business ( XXXX XXXX EST ). However, as it was XXXX CST we were already beyond that deadline and the money still was not available. At this point, the money from the wire had been in the account over 5 hours. 

Chase caused me significant issues as I tried to complete the purchase of the car. I waited for an hour at the branch. XXXX XXXX was attentive and quite helpful while another manager, XXXX XXXX was impatient and rude, acting as if he was doing me a favor trying to help me access my own money. Overall, Chase made me suspicious. I am having a hard time trusting them with my money when they will not allow me to access it. How much money is Chase barring customers from accessing while they use the money for their own purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
In XXXX of XXXX after checking my credit report, I discovered an account in collections on my XXXX report that was fraudulently created. The account was reported by Fair Collections and Outsourcing with the original debt by XXXX XXXX XXXX. I disputed the account but XXXX is refusing to removed it as others have done. I previously reported identity theft to the FTC in XXXX XXXX XXXX and disputed several accounts, which were subsequently removed. Also at that time, I noticed an address that I had never lived at. I contacted the apartment management and inquired about any possible account. I was provided a copy of a lease that was delinquent and the apartment was vacated some months prior. I communicated that I was a victim of identity theft and inquired how any information was verified before the lease was signed. XXXX XXXX XXXX stated that there was NO IN-PERSON VERIFICATION of the identity of any individual on the lease. I communicated that I will not accept responsibility for any delinquency and I will seek remedy if they pursued a debt reporting. XXXX XXXX XXXX could have taken very simple steps to prevent this fraudulent account from being created! XXXX XXXX XXXX XXXX could have required an in-person visit to verify identity. Second, XXXX XXXX XXXX could have verified the signature on the ID provided with the lease signature. Third, XXXX XXXX XXXX could have required each applicant to supply different contact numbers instead of the same. Lastly, XXXX XXXX XXXX could simple use more due diligence and common sense by requiring more than XXXX photo ID and do additional reference verification before creating a lease. XXXX XXXX XXXX is complicit in the creation of the fraudulent lease by not having good business practices.

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 2023-02-02 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: FC HoldCo LLC
State: LA

Complaint narrative:
There is an unauthorized Hard inquiry on my report dated XX/XX/2022. 
I demand under FCRA Sec 604 : XXXX. Permissible Purpose XXXX. My written Authorization XXXX. Proof that I personally initiated this Inquiry.

There has been no Response since XX/XX/2022.

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 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
I've subscribed to this online pay service with XXXX for decades. Just recently I had fraudulent activity on the checking account at XXXX XXXX  used to make all online payments against. As result that account was closed and a new checking account opened. But, before I could update checking account on XXXX site {$1200.00} payments were made in automated payments to XXXX, XXXX  XXXX, and XXXX from previous closed checking account by XXXX. XXXX  has blocked my online service, refusing me any ability to update checking account to be used now or in future until creditors return payments made. Creditors refusing to do so ( even if I give them payments from alternative sources ). They will simply apply that against balance. 
XXXX willing to assist in correcting situation.

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