vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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: FL

Complaint narrative:
In 2017, I was the victim of a robbery in my house and I reported the theft of all material belongings ( television, computers, jewelry, money, among other things ) to the police and notified the theft of my credit and debit cards. However, accounts payable appeared and others went into collection and do not disappear from my credit report. The case was even taken to court and each time the judge ruled in my favor. because it is clearly evident that the credit cards were not in my possession at the time of the consumption. However, this history has not been removed from my credit report and they appear as closed accounts but with a debit amount. despite the fact that I sent them proof that none of those cards were in my possession at the time of the consumption, which also took place in different parts of the country on the same day.

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 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I sent a wire transfer of {$930.00} from my XXXX account to my XXXX account ( which uses Wells Fargo as their partner bank ) on XX/XX/XXXX at XXXX XXXX. I did not know of the maximum XXXX wire transfers a week rule, so this was the XXXX one and it was declined by XXXX on XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX informed me that it actually declined the next day XX/XX/XXXX at XXXXXXXX XXXX and that within XXXX hours it would be sent back to the bank the wire originated from. That would put it sent back no later than Friday XX/XX/XXXX at XXXXXXXX XXXX, it never showed up. I talked to my XXXX bank first on Friday XX/XX/XXXX and again yesterday XX/XX/XXXX and they verified it had not been sent yet as of XX/XX/XXXX. They told me to ask XXXX for documentation showing they sent the wire back and XXXX refuses to provide me with this documentation. I've talked to numerous " customer support agents '' and none have helped me a bit. They just give me the same regurgitated information saying it will be sent back in XXXX hours, we are way past that now. I reached out to Wells Fargo customer service today XX/XX/XXXX and they were no help either. The lady kept cutting me off and asking me if I had a Wells Fargo account. I told her multiple times that this wire transfer was made via Wells Fargo, I used their routing number and my account number provided by XXXX. Neither XXXX nor Wells Fargo is assisting me in any manor to find out what is going on. I need a resolution on this ASAP!

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 2023-09-12 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2023 I made an online purchase using my Capital One XXXX on website www.millerevan.com in the amount of {$73.00} for a mens belt. I never received the item and the vendors email portal does not function and they do not have a phone number for me to contact them as I tried to cancel the order minutes after the transaction was place, suspecting fraud when the charge appeared on a XXXX account in the name of XXXX XXXX. 

I contacted capital one to dispute the charge and they, in turn, contacted the vendor. The vendor claimed that they had sent me the merchandise but provided no tracking information or documentation of any sort yet Capital One sided with the vendor. 

I am much more concerned about Capital Ones failure to do due diligence on this vendor ( as opposed to simply taking their work for it ) than recovering the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12 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:
I am writing in response to your notice about an alleged debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in XXXX. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation. 
DELETE ALL THESE ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased two items from XXXX. The funds were returned to my debit card XX/XX/2023, XXXX Although the debit card and 5/3rd account that was attached to the card had been closed, the return transaction was processed successfully on XXXX end. Order number, and return purchase transaction numbers are verified via email sent from XXXX. On XX/XX/2023 I was told by 5/3rd bank representative that I would receive a cashiers check, due to the fact my account, and card were no longer active. I received one check, in reference to the return transaction XX/XX/2023 ( the second transaction ), but never received the check for the first return transaction. I called 5/3rd bank and was told there was no such return, told I couldnt have been told no such thing because my account has been closed, and to check back with XXXX for a resolution. After checking with XXXX, I was sent an email verifying that the transaction had indeed been processed successfully. I called 5/3rd back with the valid information and was told lie, after lie after lie, put on hold time after time, transferred to different representatives posing as supervisors, told I would be contacted about the matter. I havent heard anything, and I have not received my money and I can not find an honest representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
MCA Management Company is reporting a debt not owed to my credit report. I have filed disputes three times. Debt is a result of a legal action for a person with a similar name to me. I have sent the court records that I obtained from the XXXX XXXX XXXX XXXX to the dispute and it keeps getting confirmed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hello to whom it may concern, have sent in dispute letters but some have not came back as corrected after 30 days, during covid I faced financial hardship and now want to remove all late payments from my credit report during the time period considering the FRCA. 
Below is my attached dispute letter sent to all XXXX bureaus. 

I am writing to dispute the following information that appears on my XXXX, XXXX, Transunion report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX  XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$670.00}. 
XXXX XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as ''an agreement to defer 1 or more payments or forbear any delinquent amounts ''. 

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 


I personally signed and sent this letter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello to whom it may concern, have sent in dispute letters but some have not came back as corrected after 30 days, during covid I faced financial hardship and now want to remove all late payments from my credit report during the time period considering the FRCA. 
Below is my attached dispute letter sent to all XXXX bureaus. 

I am writing to dispute the following information that appears on my Equifax, XXXX, XXXX report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX  XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$670.00}. 
XXXX  XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as ''an agreement to defer 1 or more payments or forbear any delinquent amounts ''. 

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 


I personally signed and sent this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
chase complaint 3 DAY DELAY IN ELECTRONIC FUND TRANSFERS IN EACH OF 3 TIMES. 



XXXX I have been having a problem transferring money from XXXX XXXX to CHASE checking account beginning in XX/XX/2023. In each of XXXX instances, dated XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, funds deposited electronically, which should generally be available by the business day after the banking day they were deposited, were not available until five business days later. This transfer was initiated by me on the Chase site. Each time I scheduled funds to leave my linked XXXX, " XXXX XXXX '' account and arrive in my Checking account at Chase. 



Hours of calls were met with sympathetic agents, promising to escalate the problem, however the complaint eventually became closed with no resolve. 



One of Chase 's suggestions was for XXXX to investigate, since they were the sending bank. XXXX did investigate and did get back to me the next day. XXXX 's investigation was complete. They found that after initiation on each of three transactions, the transfer transactions were completed and settled the very next day. I was also informed that the burden of proof regarding the path of the money during the transfers, and why exactly it took five days to accomplish, is strictly on the receiving bank or JPMorgan Chase. 
I asked Chase multiple times to provide the path of the funds from the 2nd to the 5th day and have not heard back with a satisfactory answer, except possible security measures. Further, was not able to reach the research agent via phone or via security email on two different browsers. It seems that the complaint gets to the " research '' department and is lost. 



I would like to find out what happened three times to the funds in the past and be assured this will not happen in the future! 



My last correspondence was with the executive offices. After two more weeks of waiting after speaking to XXXX, I was assured that Chase was operating within the guidelines in the agreement although I asked multiple times at the branch level, at the customer service level and at the executive level, to provide the document referring to timeframes for bank to bank transfers. This was never be provided to me. 



The only assurance given was the contact information for the executive customer service person I spoke to, XXXX. I was instructed to contact her immediately at the next instance of any sign of trouble. 


Various Chase case numbers can be provided upon request. 
XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Chase XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacts XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My credit was ran on XX/XX/23 by Synchrony Bank in the amount of {$15000.00} with out my permission. This is a violation of the Fair debt collection practices act 15USC 1692 C a. I found out about this fraudulent transaction on XX/XX/23 after receiving harassment letters in the mail. This is another FDCPA 15USC 1692 B 4 5. Following with numerous phone calls, voicemails and txt messaging multiple times per day. FDCPA 15USC 1692 D 5. The worst part about this is my business phone was used to create this credit. This phone number goes to my employees and it has been extremely embarrassing causing me XXXX ship and humiliation. FDCPA 15USC 1692 C 3 b. Not only have they been harassing my work place where I conduct business to feed my family. They sold my information to third party credit reporting agencies. Which is a complete breech of privacy and I never gave anyone consent to hand out my personal information. FDCPA 15USC 1692 C a. The mail has been going to my home in Florida where I have family staying and now they a long with the mail carrier can see that I supposedly have debt through this Care credit card. Which is another breech of my privacy and is another embarrassing situation. Ive also been denied credit through my business do to this transaction being on my credit report costing me thousands of dollars in loose.

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 2023-09-12 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Called American express because I received a card in the mail ( old address, parents house ) with my maiden name. The card was active and the letter had an account number on it. I called and canceled the card and requested to speak with someone to report it because I did not open the account and I did not apply for the card. They told me there were no notes on an application being opened by me and I asked them why they would approve me then. I was transferred and then told an online application was submitted XX/XX/XXXX. It concerns me that originally there was no application and when I pushed further suddenly there was. I was told the card was cancelled on XX/XX/XXXX but called back on XX/XX/XXXX and was told they just escalated the situation and cancelled the card, so I was lied to. I was told on XX/XX/23 they would send me an email stating I did not open this account and that an investigation was being opened. I called back on XX/XX/23 and was told they don't send emails confirming that. I keep being told different information from American express and they have not been helpful in figuring this out. This is their responsibility, they are the ones who approved me for a credit card with a {$20000.00} limit and sent me an active card in the mail. They didn't verify the application when my legal name and current address wasn't even used. I also called XXXX who never received any notice of my SSN being used or taken. All of this makes me strongly believe that someone in American express is the one who illegally opened this account under my name and sent me an unsolicited credit card. I have attached a documentation stating everything I have done since yesterday when finding out about this credit card and have stated every interaction I have had with American Express. If they are not the ones who illegally opened this account under my name, they are still being negligent in this process and are making it very difficult for me as the consumer to ensure I have all the evidence I need to protect myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Fraudulent charges from XXXX were made on my account in the amount of {$29.00} on XX/XX/23 and XX/XX/23. The fraud was verified to be true but Chase Bank refuses to credit my account because they said it was past the 60 days. I reported it as soon as I recognized the fraud happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: OH

Complaint narrative:
The company used my non-public personal information and other private account information without my consent. I never gave the company and expressed written consent or implied consent to obtain, utilize, share, or sell any information belonging to me. The companies actions has caused me a number of damages and injuries to my finances and my personal reputation.

Company response to consumer: Closed with non-monetary relief