vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 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: EQUIFAX, INC.
State: WA

Complaint narrative:
In XXXX of XXXX due to my now ex-husbands failed business, we filed joint bankruptcy. Since bankruptcy as an individual is not an option when you are married, I had to file as well. 

In XXXX of XXXX, while in the middle of getting a divorce, I petitioned the court to be removed from the bankruptcy. I was granted a Voluntary Dismissal from the CASE in XXXX of XXXX, so that he could proceed on his own. While applying for a mortgage in XXXX, it was brought to my attention that a Bankruptcy XXXX was reflected on my credit. HE asked to have the CASE dismissed in XXXX. The order from the judge usages the language of *his* case and *him* only. 

A dismissed party means that the I am not a part of the bankruptcy case and should not be affected by anything that happens in the case after I was dismissed from it. I called and spoke to the judges chambers, XX/XX/XXXX, and my understanding is correct. I was dismissed from the case, and therefore the case dismissal itself should not be affecting me. 

I have disputed this several times, reporting that there are multiple errors. It comes back verified as accurate every time. It in fact is not and has no less than XXXX errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: WA

Complaint narrative:
In XXXX of XXXX due to my now ex-husbands failed business, we filed joint bankruptcy. Since bankruptcy as an individual is not an option when you are married, I had to file as well. 

In XXXX of XXXX, while in the middle of getting a divorce, I petitioned the court to be removed from the bankruptcy. I was granted a Voluntary Dismissal from the CASE in XXXX of XXXX, so that he could proceed on his own. While applying for a mortgage in XXXX, it was brought to my attention that a Bankruptcy XXXX was reflected on my credit. HE asked to have the CASE dismissed in XXXX. The order from the judge usages the language of *his* case and *him* only. 

A dismissed party means that the I am not a part of the bankruptcy case and should not be affected by anything that happens in the case after I was dismissed from it. I called and spoke to the judges chambers, XX/XX/XXXX, and my understanding is correct. I was dismissed from the case, and therefore the case dismissal itself should not be affecting me. 

I have disputed this several times, reporting that there are multiple errors. It comes back verified as accurate every time. It in fact is not and has no less than XXXX errors.

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 2023-01-21 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: Continental Finance Company, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported the account 30 days past due. 
15 US Code 1666B - Billing Error, I did not give them consent and this company is not protecting my privacy.

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 2023-01-21 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: Credit Karma, LLC
State: WI

Complaint narrative:
XX/XX/ -called 3 times had XXXX different representatives pretend to deactivate my account XX/XX/ -I chatted online with multiple agents trying to have my account deactivated still no luck XX/XX/ -spoke with them on phone and chatted trying to explain it wont let me deactivate my account because its saying I have money in my savings but they informed me over the phone that I did not have money in savings so can they please deactivate my account XXXX -I spent over XXXX hours going back and forth on the phone and chatting with them trying to get my account deactivated and they said they couldnt they tried but I dont understand how they could make me keep a membership I dont want

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: NJ

Complaint narrative:
I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.

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 2023-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Collection agency is attempting to collect on a debt that was acquired when I was a child. The debt has been reported to my credit report. I have called and mailed the debt agency and original creditor and I all I receive is a list of transactions on a credit card. I was a child when this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Thank you for taking the time to read this. 

Background : It is common knowledge that XXXX has now grown to be " too big to fail, '' and the company wields its powers however it wants. Recently and for the first time in my over 20 years of patronage, the company has allowed drivers and workers to steal or " misdeliver '' my packages. This has been going on for about 2 months now, to a tune of about {$2000.00} and counting. Packages are frequently being " delivered '' to an address that either doesn't exist or is being used as some sort of drop off for a theft ring. Sometimes the driver will post a picture of a home that looks nothing like mine and does not exist in my neighborhood. I have spent considerable time writing complaints, starting investigations with XXXX and my credit card company, Chase. Both entities know what is going on. Now, Chase has begun to put me on hold for more than an hour, hang up, and force to me to have to give long accounts of what has transpired with XXXX, despite my previous detailed records having already been submitted. XXXX continues to charge me for products I never received, and I have to explain to them the need for an investigation. Then, I have to explain over and over to Chase what is going on. Chase has an internal mechanism that connects charges to the user 's account in XXXX. They claim that they can not " see '' this information. Furthermore, I am concerned about my own safety as clearly my information is being shared -- my home address is going out to " contract '' drivers whom, according to news sources, are not beholden to the same privacy policies that XXXX drivers are, if they ever were. In short, as I and everyone else continues to track the mass greed and malfeasance of these companies, I am hoping the government will actually put my tax dollars to work. I can not even go to other retailers as XXXX has effectively put everyone out of buisiness in small towns. This is a scourge -- the rise of the Corporation now considered a " person. '' No accountability. Thousands of dollars and hours of time lost. For what? So that I can write these complaints knowing that at least some elderly or disabled person may benefit from my speaking out. I have filed complaints with the CA XXXX XXXX as well. And I am joining groups who are sick and tired of being sick and tired. XXXX is a parasite, eating its own. Chase was there long before. I hope you will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: NM

Complaint narrative:
Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports in accordance with 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 2023-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX, I was called by an agent from Chase Bank identifying himself as XXXX XXXX on the Customer Service Line ( XXXX ) XXXX. He said there Was fraudulent activity in my account. I had just gotten gas ( debit ) and {$60.00} in cash from a ATM at XXXX XXXX. Thats where I assumed the fraud had occurred. After quite a long time on the phone, he seemed able to correct and stop the transactions. This included a purchase and a wire transfer. No personal info was shared with him. 

He called the next day on the customer service line with yet another fraud wire transfer and once again supposedly fixed it. This occurred twice more - XX/XX/XXXX and XX/XX/XXXX - Wire transfers that had been scheduled he said. My account seemed fine and no money had been lost. I did no followup. He said I would receiving a new debit card which Never came. On Tuesday, XX/XX/XXXX, he called again and explained that another scheduled transfer had popped up on the system. After working on the - lots Of one-time codes were sent. Everything on the XXXX phone number. He then explained that the bank wanted me to have a new account due to all the fraud Activity and move my money in three chunks. He have me my new account number # XXXX and routing number # XXXX. The first transfer was {$7500.00}. He Then explained that they were closing at XXXX and we scheduled an additional meeting for Wednesday morning at XXXX XXXX He called on the customer service line and we Went to work. Before the third transfer was finished, he said someone would be calling to do some final verification steps- weird questions. I called the customer service Line to check all of this and agent XXXX assured me that I had done the right thing by calling. When she asked when I last spoke with him, I said Ten minutes ago to Which she relied, Yes I see it right here on the record and congratulated me for calling in. I then got the call with the weird questions and we seemed done. And obviously We WERE. I saw my account drop from {>= $1,000,000} to XXXX Immediiatly, I called Chase and went to the nearest Branch in XXXX, NJ where XXXX met with the bank manager, XXXX XXXX XXXX She set up recalls and gave me all info. She was very helpful and supportive as I struggled to not totally fall apart and come to grips with the crisis. This Wiped out everything I had saved and worked for the last five years and has left me struggling to meet medical bills and living expenses. I filed a police report with the State Police In XXXX XXXX, PA on Thursday morning with XXXX XXXX XXXX. I went to my own NY branch on Friday ( XX/XX/XXXX ) and tried to file another police report with the XXXX Police. 

Further attempts with Chase at this point have been fruitless. I am a 40 year customer with Chase and demand attention. Elder fraud is a crime! I have been violated in a devastating way. 

I am hurt and Very, Very ANGRY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I Put the wrong last four of my social just wanted to update so there will not be any delays in removal of the inquiries.

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 2023-01-21 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: TX

Complaint narrative:
Collection agency is attempting to collect on a debt that was acquired when I was a child. The debt has been reported to my credit report. I have called and mailed the debt agency and original creditor and I all I receive is a list of transactions on a credit card. I was a child when this account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I would like to be added to the lawsuit against Wells Fargo. I have since paid off the loan but I had extensive problems with them over charges, late fees they kept tacking on, dates payment was due that kept changing forcing me into owing late fees month after month I continually fought with their customer service over charges they kept adding to my account. 
I personally felt like I was a victim of extortion. 
My account with them : XXXX XXXX XXXX XXXX XXXX XXXX, WA. XXXX XXXX Acct # : XXXX XXXX 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 monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was a problem accessing funds in deposit

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 2023-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
The Bank of the West charged me a overdraft fee XXXX but there was nothing overdraft... 
They claim that, during the day on the XXXX the account was overdrawn, however by the end of the business day, the account was positive. 
Due to that, they assessed a fee. 

However, they were unable to show me this on scree/in writing in any way. 
They refused to email or print anything out for me and XXXX time asked me to get a calculated so they could tell me figures over the phone and I could 'work it out myself '. 

I don't want compensation, I want this bank investigated please. 

I have found 3 charges, now that I look back, and maybe more. 
Charged for no reason, nothing bounced, nothing was overdrawn and no day shows a negative balance. 

I also spoke to another Bank of the West branch about this, they said that all calculations are done at the end of business and fees are to be charged on an account at that time, not arbitrarily throughout the day at random times. 

If this was the case, I would have had many many charges as my account did go under at times, and I would run to the atm to deposit what was needed. 
This is clearly not the case and by them making excuses for mistakes rather than owning up, all I can think is How many people are they doing this to? How much money are they taking in 'fees ' improperly. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
For second time in less than a year I have been charged late fees and in the first case interest by XXXX XXXX XXXX. Comenity XXXX XXXX XXXXXXXX, Texas. My payment in both cases were processed on the XXXX of the month. The due date was the XXXX of the month. In the most recent case the payment was mailed on XX/XX/2022 from XXXX Massachusetts. It should not take 20 days for Comenity Capital Bank XXXX Texas to process a payment. Is this a systemic problem within Comenity Capital Bank? 
For example XXXX XXXX Banks, in XXXX XXXX XXXX, Texas routinely process my payments in 10 days. 
I called the company there response was slow mail during the holidays. I mailed the bill the day after I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: IL

Complaint narrative:
In XXXX of 2023 I noticed my excellent credit score had taken a severe decline. Upon checking into it, I noticed there was an item on my credit report that was erroneous. A collection agency, XXXX, XXXX, had reported that I was delinquent on a payment of {$1200.00} to XXXX XXXX XXXX. This is totally false. I do not have any financial relationship with XXXX XXXX XXXX. I called XXXX to try to resolve the error, but of course they " were experiencing higher than normal call volume ''. Not only was I unable to contact them, they have never, ever, contacted me prior to or after placing the item on my credit report. I called Experian to dispute the item but their " investigation '' verified the information to be accurate. That is not true. I had the same situation a few months ago, and I believe it was also from XXXX XXXX XXXX but a different collection agency. It was removed from my report. I suspect the first agency just sold the same bogus debt to another agency. 
I can not attach any supporting documents because there was never any relationship between me and XXXX XXXX XXXX so nothing exists.

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 2023-01-21 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: GA

Complaint narrative:
I am a victim of identity theft, and I recently pulled a copy of my credit report online and found that you are reporting the following inaccurate information in my file that is negatively affecting my XXXX XXXX I have given notice to the creditors regarding this matter as well as the other XXXX major credit bureaus of this matter that who have rectified these issues at hand. As of today XX/XX/, Transunion is being put on notice via phone and United States Certified Mail Receipt.

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 2023-01-21 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:
According with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 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