vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX Billing me for loans I did not take out or authorized. I did not sign or give permission to anyone to sign for 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 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX XXXX XXXX group has been sending automated phone calls. I finally called back one time and it was answered by someone that posed as rep for the company. They transferred me and never mentioned the company until I asked them. They said I was going to civil court over a " debt '' I had with Fifth Third Bank, which is impossible because I closed banking account I had with them over 10-20 years ago. They first asked me to confirm if my last 4 digits of my SS # was. I told them I never received anything in writing about this " debt '' and said they've been mailing letters to outdated address. They asked for the new address and I was XXXX them while I was on the call because I was getting a ton of red flags. They knew my ss # and read it back to me in full without me prompting them. I ended up hanging up on them. They are definitely scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On or about XX/XX/XXXX or XXXX XXXX XXXX, I received an email and link for a Chase XXXX XXXX credit card that states XXXX XXXX XXXX  Status and XXXX bonus points XXXX  XXXX XXXX XXXX through XX/XX/2024 upon account opening* and earn XXXX bonus points after you spend {$3000.00} on purchases in the first 3 months from account opening. * This product is available to you if you do not have a current XXXX XXXX XXXX Credit Card and have not received a new Cardmember bonus within the last 24 months. This does not apply to XXXX XXXX Credit Card products. 
Earn {$100.00} and XXXX Bonus Points Earn a {$100.00} statement credit and XXXX bonus points after you spend {$20000.00} on purchases each calendar year. * The offer terms however state : Automatic XXXX XXXX XXXX XXXX  Status : As an XXXX XXXXXXXX XXXX XXXX  credit cardmember, you qualify for automatic XXXX XXXXXXXX XXXX XXXX XXXX status through XX/XX/2024 and, thereafter, automatic XXXX XXXX XXXX XXXX XXXX  status for as long as you remain a Premier credit cardmember, and as long as your XXXX XXXX Rewards membership account remains in good standing. Please allow XXXX to XXXX weeks after account opening for the automatic XXXX XXXX status to be applied to your XXXX XXXX XXXX account. 

It is noteworthy that the plain XXXX in the offer email says XXXX status upon account opening but in small print offer terms in a secondary link in the email says to allow XXXX to XXXX weeks AFTER account opening. 

In this case we have XXXX email, Chases offer on its own website saying the XXXX  status is upon account opening and yet in the secondary link to offer terms the XXXX  upgrade offer ends up really being XXXX to XXXX weeks after account opening/approval rather upon account opening/approval as marketed on 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  up until a few days ago where it said : ( removed zip code and soliticization ID from this link ) XXXX XXXX XXXX Status and XXXX bonus points XXXXXXXX XXXX XXXX Status through XX/XX/2024 upon account opening* and earn XXXX bonus points after you spend {$3000.00} on purchases in the first 3 months from account opening . * Really feels like a bait and switch. Chase and XXXX had the choice to market this XXXX benefit as being applicable within XXXX to XXXX weeks of account opening, but instead they jointly marketed the XXXX benefit as being applicable upon account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to address a matter regarding my account with XXXX XXXX XXXX Recently, I reported to all three credit bureaus that I have been a victim of identity theft. Despite my efforts to rectify this situation and providing the necessary documentation, I have observed that XXXX XXXX XXXX continues to verify the information in question. 

I wish to draw your attention to the responsibilities of furnishers outlined under the Fair Credit Reporting Act ( FCRA ), particularly sections FCRA 623 ( a ) ( 6 ) ( B ) and FCRA 605B. According to these provisions, when notified by a credit reporting agency ( CRA ) that a consumer 's identity has been stolen, furnishers such as XXXX XXXX have specific duties : Preventing Re-Reporting of Information : If a CRA notifies you that information furnished by XXXX XXXX XXXX is being blocked on a consumer 's credit report due to identity theft, XXXX XXXX XXXX  must have procedures in place to prevent the re-reporting of such information ( FCRA 623 ( a ) ( 6 ) ( A ) ). 

Restriction on Debt Resulting from Identity Theft : XXXX XXXX XXXX may not sell, transfer, or place for collection any debt resulting from identity theft if notified by a CRA ( FCRA 615 ( f ) ( 1 ) ). 

Furnishing Information Regarding Fraudulent Accounts : Upon receiving notification from a consumer who is a victim of identity theft and providing an identity theft report, XXXX XXXX XXXX  XXXX not furnish information to a CRA regarding the fraudulent account or debt ( FCRA 623 ( a ) ( 6 ) ( B ) ). 

Prompt Notification of Inaccurate Information : If XXXX XXXXXXXX XXXX l finds that it furnished inaccurate information due to identity theft, it must promptly notify each CRA of the correct information and ensure that only complete and accurate information is reported in the future ( FCRA 623 ( a ) ( 2 ) ). 

Obligation to Supply Records : If XXXX XXXX XXXX l provides credit, goods, or services to consumers, it may be required to supply application or other transaction records to an identity theft victim or law enforcement officer upon request ( FCRA 605B ( f ), 615 ( g ) ). 

I trust that XXXX XXXX XXXX will adhere to these obligations under the FCRA and take the necessary steps to rectify the situation promptly. Please cease the verification of the disputed information and ensure that it is blocked from further reporting. 

I appreciate your attention to this matter and anticipate a swift resolution..

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to address a matter regarding my account with XXXX XXXX XXXX Recently, I reported to all three credit bureaus that I have been a victim of identity theft. Despite my efforts to rectify this situation and providing the necessary documentation, I have observed that XXXX XXXX XXXX continues to verify the information in question. 

I wish to draw your attention to the responsibilities of furnishers outlined under the Fair Credit Reporting Act ( FCRA ), particularly sections FCRA 623 ( a ) ( 6 ) ( B ) and FCRA 605B. According to these provisions, when notified by a credit reporting agency ( CRA ) that a consumer 's identity has been stolen, furnishers such as XXXX XXXXXXXX have specific duties : Preventing Re-Reporting of Information : If a CRA notifies you that information furnished by XXXX XXXX XXXX  is being blocked on a consumer 's credit report due to identity theft, XXXX XXXX XXXX must have procedures in place to prevent the re-reporting of such information ( FCRA 623 ( a ) ( 6 ) ( A ) ).

Restriction on Debt Resulting from Identity Theft : XXXX XXXX XXXX may not sell, transfer, or place for collection any debt resulting from identity theft if notified by a CRA ( FCRA 615 ( f ) ( 1 ) ). 

Furnishing Information Regarding Fraudulent Accounts : Upon receiving notification from a consumer who is a victim of identity theft and providing an identity theft report, XXXX XXXX XXXX may not furnish information to a CRA regarding the fraudulent account or debt ( FCRA 6XXXX ( a ) ( XXXX ) ( B ) ). 

XXXXrompt Notification of Inaccurate Information : If XXXX XXXXXXXX XXXX l finds that it furnished inaccurate information due to identity theft, it must promptly notify each CRA of the correct information and ensure that only complete and accurate information is reported in the future ( FCRA 623 ( a ) ( 2 ) ). 

Obligation to Supply Records : If XXXX XXXX XXXX l provides credit, goods, or services to consumers, it may be required to supply application or other transaction records to an identity theft victim or law enforcement officer upon request ( FCRA 605B ( f ), 615 ( g ) ). 

I trust that XXXX XXXX XXXX will adhere to these obligations under the FCRA and take the necessary steps to rectify the situation promptly. Please cease the verification of the disputed information and ensure that it is blocked from further reporting. 

I appreciate your attention to this matter and anticipate a swift resolution..

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo took unauthorize funds from my account monthly and enrolled me in a service i did not authorize. The were ordered by the CFPB i a settlement agreement to repay thousands of customers for similar deceptive behaviors. I have called the mitigation departments at both Wells Fargo and XXXX XXXX -- the third party administrator of the settlement agreement -- And both have the same canned response " it is processing still sorry for the delay ''. This has been going on for months. Neither dept was kind, helpful or transparent. Rather they were dismissive, curt and arrogant. Clearly Wells Fargo and its staff, third party agent-XXXX XXXX  XXXX and WF 's own mitigation dept are not taking the terms of the settlement agreement seriously. Their cavelier and dismissive attitude is troubling. 

I wrote to the WF Board of Directors and the Executive offices of Wells Fargo as the Settlement Agreement order states in Section IV that the Board of Directors has ultimate, individual and group culpability, responsibility and fiscal accountability for timely management of the settlement terms. They provided a a form letter directing me back to their third party company XXXX XXXX XXXX ) for answers. this is the company I started asking questions of -- so I have gone full circle trying ton get a plausible, reliable and transparency response. 

Wells Fargo is egregiously out of compliance with the Settlement Agreement. The CFPB should be stepping in and enforcing the terms of the agreement now. The CFPB has received over XXXX complaints so far regarding Wells Fargo 's cavalier, complacent and negligence managing this settlement. They are demonstrating a belief that they are above court orders, The CFPB has the evidence of non-compliance and yet they are emulating the CFPB 's non action. Clearly Wells Fargo can not be trusted to self govern. Please hold the board accountable for replacing the monies taken from customers IN A TIMELY manner and required in the settlement order.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-12 00:00:00
Product: Credit reporting 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: TX

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 non-monetary relief
Consumer complaint received 2024-02-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed my case without recovering {$3500.00} that was taken from my account without my authorization. The explanation given does not make sense. Wells Fargo did not recover a specific transaction from XXXX XXXX which posted on XXXX/2023. The reason given on the layout they provided is : " Denied due to timeframe and no recovery ''. Somehow Wells Fargo was able to recover {$3200.00} from XXXX XXXX which was taken from my account on XXXX2023. Wells Fargo also recovered {$10000.00} from XXXX XXXX which was taken from my account on XXXX23. These three fraudulent withdrawals were reported at the same time. All three fraudulent withdrawals had the same name identifier attached them. 

Wells Fargo recovered quite a few transactions which occurred both prior and after XXXX/2023. They have not provided a logical explanation for why this one particular claim was denied.

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 2024-02-12 00:00:00
Product: Credit reporting 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 insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting 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:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Company has ignored documents pertaining to my letters requesting proof of their assertions I was going to imminently be arrested for my unpaid debt. They told me they were working with government agency and they discovered I had hidden assets. That isnt true but upon looking into it. There no agency that will come arrest me for running from XXXX in credit card debt that came as a result of identity theft. Theyre illegal tactics have gotten scary

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a capital one/potterybarn credit card to buy some furniture in XXXX, 2023 I paid more than minimum due before the due date in XXXX. Then paid the balance in full as listed on the statement {$7500.00}, ( received before due date ) in XXXX. I received a charge for interest due XXXX, although it was paid in full. When I called to question this, they explained that this was standard procedure. 
This procedure is probably listed on the fine print somewhere, but I think it is not fair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
I have tried to fix this problem but the credit card company doesn't want to fix the problem. 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 All of these companies are not mine and I would like you to research these to see if they are mine and if not delete them from my credit account. On the XXXX  15 USC 1681 Sect. 602A States that I have a right to pvcy. and that Consumer agcy. can't put thing 's on credit that is 15 USC 1692C 604A.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction.- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting 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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction.- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have tried to fix this problem but the credit card company doesn't want to fix the problem. 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 All of these companies are not mine and I would like you to research these to see if they are mine and if not delete them from my credit account. On the XXXX  15 USC 1681 Sect. 602A States that I have a right to pvcy. and that Consumer XXXX. can't put thing 's on credit that is 15 USC 1692C 604A.

Company response to consumer: Closed with explanation