vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: CA

Complaint narrative:
On XX/XX/2023 I received a text alert from the bank about suspicious debit card transactions. After reviewing the transactions I immediately called the bank and told them it was unauthorized and for the bank to block the card. 

On XX/XX/2023 I called the bank to submit a claim for the fraudulent transaction of {$1400.00}. 

On XX/XX/2023 the bank told me they have closed the case and will not be issuing me any credit saying I needed to contact the merchant to get my money back. That same day I contacted the merchant and made a case with them. After their investigation they found the suspect. I was told it was a cash advance transaction and the suspect was a female. I do not know this person and have never authorized anyone to use my card. 

On XX/XX/2023, I called the merchant and the merchant agree to stay on the phone with me to call Wells Fargo fraud department to try to resolve the issue. The merchant talked to Wells Fargo fraud department and a supervisor and explain to them all they had to do was send the merchant the request and they can forward all the docs showing that it was fraud but all Wells Fargo said was that the case is closed and can not reopen it up again. The merchant processor and I could not believe they would not do an investigation and send the merchant a request.

The bank basically said they choose not to pursue my claim and deny my request to process a chargeback because I still had my debit card with me. Of course I still had my card I did not give my debit card to anyone to use. I dont know if my card was skimmed or if my replacement card I had ordered a week before was stolen. I never received that replacement card. The bank wont tell me anything about the transaction just accusing me of giving someone my card to use when I have not given anyone permission to use my card.

I do not understand the bank denying to process my claim when it is a fraudulent transaction, even the merchant has identified the transaction as fraudulent.

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-07-17 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: PA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received the attached letter datedXX/XX/XXXX from XXXX in which they stated they would close my account and mail me the remaining funds. I deposited {$50.00} in this account when I opened it. 10 business days was last XXXX XX/XX/XXXX and it has been 1 week without any update from the company as to my requests to provide a closing statement or return my funds. The funds have also not been returned to the originating institution.

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 2023-07-17 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: TX

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 anxiety, 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 2023-07-17 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX XXXX Account Number : XXXX Date Reported :XX/XX/XXXX & XX/XX/ I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX XXXX to confirm the validity of the reported late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: RI

Complaint narrative:
I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX  XXXX Account Number : XXXX Date Reported :XX/XX/ & XX/XX/ I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for XXXX : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX XXXX to confirm the validity of the reported late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
At the end of XX/XX/, I received from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX, a letter/statement naming me as a debtor and requesting to pay the balance in the sum of {$7000.00} The letter/statement shows the following information : Current Creditor : XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX : XXXX XXXX XXXX XXXXXXXX. 
Account Number Ending on XXXX Case Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX case number XXXX On XX/XX/, I responded with a letter disputing the validity of the debt. I also provided the Police Report with the number XXXX. 

Recently I received from XXXX XXXX XXXX a letter denying my dispute of the debts alleging that I am the person that requested the debt. They are now requesting the sum of {$9300.00} On XX/XX/, I responded with a letter affirming and disputing the validity of the debt. I also provided the Police Report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX consumer report. I don't recognize one or more of the accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is showing wrong balance and is not in late status

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX Account XXXX : XXXX Date Reported : XX/XX/2023 & XX/XX/2023 I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX to confirm the validity of the reported late payments.

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 2023-07-17 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: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
My card was charged for three different theme parks in one day, in California I live in Texas. They were not authorized transactions. I contacted the bank as soon as I seen them, they said I would have to wait till they clear to dispute them. I was refund for two and one fell off. A week or so later they put one charge for XXXX XXXX back on my account over-drafting it once again. Their reasoning was they had no proof it was fraudulent. I am out that money and they say that things arent looking good and it is probably not going to be reimbursed. So now I am out all that money for someone I dont even know to go on vacation. Their system should have caught it, seeing that anytime I go out of town and purchase something they lock my card. Also to add they canceled the wrong card the first time we called, not the one with the fraudulently activity. Prosperity Bank of Texas does not care about protecting their bankers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: 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.

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 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 2023-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Under the FCRA, capital One are obligated to provide consumers with a proper validation of the debt upon request. However, the validation process for my account XXXX has raised concerns regarding compliance with the law. I kindly request that you provide me with the specific methods and documentation utilized to validate this debt in accordance with the FCRA. 

To support my claim, I would like to highlight the following points : - The initial request for validation of the debt on account XXXX, which was previously submitted, did not receive a satisfactory response that provided adequate evidence of the debt 's validity. 
- Capital One is required to provide detailed documentation or information verifying the existence and ownership of the debt, including a complete payment history and contracts with my signature. 
- The methods used to validate the debt should adhere to the standards outlined in the FCRA and should include comprehensive and accurate information to establish the legitimacy of the debt. 
- Provide me with the specific methods and documentation used to validate the debt associated with account XXXX, ensuring compliance with the FCRA. 
- Cease the transfer of my private information to any third-party collection agency without my explicit consent. 
- Opt me out of your system and any related third-party databases to protect my privacy rights. 

Furthermore, it has come to my attention that my private information associated with Capital One account XXXX has been transferred to a third-party collection agency without my explicit consent. This act raises concerns about the violation of my privacy rights under state laws, including 15 U.S. Code section 6801, 15 U.S. Code section 6802, and 15 U.S. Code section 1681B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
Vance and Huffman LLC has reported a collections account to my credit reporting history. This collections account is in the amount of {$1100.00} for " XXXX XXXX XXXX '' as the original creditor stated that it was opened XX/XX/2021. I did not open any accounts with XXXX XXXX XXXX and have disputed this debt, however I have never been provided a debt validation letter, even after disputing this with the credit bureau. Vance and Huffman LLC has " verified this debt is accurate '' however it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: FL

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. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$710.00}. 

XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. 

XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

i can not apply for an auto loan or a home loan because of this on my credit report and it affecting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-07-17 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX Account XXXX : XXXX Date Reported : XX/XX/2023 & XX/XX/2023 I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX to confirm the validity of the reported late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: RI

Complaint narrative:
I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX Account XXXX : XXXX Date Reported XX/XX/XXXX I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX and can provide documentation to support this.

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX to confirm the validity of the reported late payments.

Company response to consumer: Closed with explanation