vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 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: 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Hello, I reserved an apartment for XXXX nights from XXXX XXXX ( Confirmation code XXXX ) on XXXX. The listing said that the house has air conditioning. When we got there, we only saw that only the attic room had AC, but there was no AC in the kitchen, living room, sleeping area, and bathroom. We were XXXX people. XXXX people slept in the attic and my wife and I slept in the other sleeping area with no AC. It was warm and we were sweating all night. It really ruined our stay. I contacted XXXX support for this but they were not really helpful. I disputed the claim through my credit card company ( Capital one ) but XXXX provided the same response as they provided to me and rejected the dispute. I would appreciate it if you could investigate the issue further. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: MI

Complaint narrative:
My XXXX XXXX went from XXXX to XXXX for no apparent reason, I only have XXXX lines of credit and they all get paid on time and don't build up at all. Then XXXX days ago it went down another XXXX points, I went XXXX to XXXX in a short amount of time. This has NEVER happened before and it's leaving me to wonder.

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 2022-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
im getting repeated calls and letter about the same debt before XXXX every XXXX to XXXX days for the amount of {$1300.00} the account was bought from another company and reopened on my credit file

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 2022-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022, I was billed by XXXX XXXX for {$710.00} for a washing machine and delivery to the specified address under my name. XXXX XXXX never delivered the washing machine as agreed so I filed a chargeback with Capital One. 

Capital One initially accepted the chargeback because XXXX XXXX didnt provide the goods and services explicitly agreed upon. Capital One on XX/XX/2022 charged my account for the full amount of {$710.00} and didnt honor the consumer protections I have with the Credit Card XXXX fraudulent transactions from the business owner. 

Capital One provided me with the case number : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: PA

Complaint narrative:
I XXXX XXXX XXXX has been used to put HARD INQUIERYS on my EXPERIAN CREDIT REPORT. These companies are letting credit card companies go through the XXXX report that was put on credit reports many years ago. I have good credit report but these lies of hard inquireys.

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 2022-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Friendly Finance Corporation
State: MO

Complaint narrative:
I became sick due to XXXX and fell behind a couple of months on the car note payments- XXXX XXXX XXXX XXXX account # XXXX The collections department from Friendly Finance Corporation has XXXX sending multiple emails regarding the car being placed with dispatch in order for them to repo the car on XXXX XXXX I made XXXX payment of {$410.00} and for the payments to be placed in an arrangement. 

I believe that the contract that I signed with Friendly Finance Corporation for this vehicle is a misrepresentation of what should be an honest contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: AES/PHEAA
State: DE

Complaint narrative:
I recently rehabbed my student loans, and AES PHEAA transferred and updated my accounts with the new servicers. They removed all but 2, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
American Express advertised a promotional offer for the American Express Delta Gold card when I was purchasing flights on XXXX XXXX ' website. It was a welcome bonus ( 0 % APR for the first year, {$250.00}, and XXXX miles if I spent {$3000.00} in 3 months ) written in their advertisement. I was attracted to this welcome Bonus and recently came to know after checking my account that I am not eligible for that offer without any notice, and there was interest applied on purchases. I contacted American Express, and they said something popped up that said I was not eligible for a welcome offer. But they approved my credit card and didn't let me know I was not offered the welcome Bonus in any e-mail. I found this lack of clarity in informing customers of their intention. 

During our conversation today ( XX/XX/2022 ), they offered to waive the interest on the purchase, but I refused to take that offer as I thought this wouldn't solve the position of clarity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
WELLS FARGO : On XX/XX/2022 someone tried to charge {$470.00} and I was contacted as fraud I said yes and they declined charge. then on the same day someone made a {$390.00} charge and {$120.00}. Both to stores in the XXXX. As I didnt have enough money they pulled from overdraft protection. As I got charged international charges they took more from over draft. My entire checking was drained and a chunk of my savings was pulled. No one contacted me about suspected fraud. I got an alert my acct hit XXXX balance. I looked and called and reported fraud. They issued a temp credit. After 30 days of Investigation I received a letter that says they had proof the charges were made by me and took the money back {$510.00}. I looked into companies. One was a furniture store in XXXX. I obviously didnt buy furniture in XXXX to deliver to the US as I live in Florida XXXX The other charge was for high end bags and shoes. My most expensive shoes are my vans. I dont carry a purse. I am XXXX. I get paychecks of about XXXX every other week. Losing over {$500.00} means I cant pay rent or eat. This is ridiculous based on the location of the stores and the items they sell. I have not seen the proof but I have requested it.

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is not a duplicate. XXXX XXXX XXXX will try and tag it as as a duplicate. 

The fair credit reporting act states that any information reported by a creditor, collection agency, furnisher, must have accurate, fair, and complete data and as you will see on the attachment there are days that arent even reported. This is in violation of law, and financial data has been warned of this violation before and it has been over 30 days with no correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is not a duplicate. XXXX XXXX XXXX will try and tag it as as a duplicate. 

The fair credit reporting act states that any information reported by a creditor, collection agency, furnisher, must have accurate, fair, and complete data and as you will see on the attachment there are days that arent even reported. This is in violation of law, and financial data has been warned of this violation before and it has been over 30 days with no correction.

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 2022-10-16 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: PA

Complaint narrative:
I would like to dispute these inquires with XXXX XXXX. Both times I went to see if I prequalify around XXXXXXXX XXXX and of XXXX of this year. I never actually went through the process of applying for the loan. These inquiries should be removed. I sent them XXXX letters in the past 30 days and I have not received a response. 

On another note, On another note XXXX XXXX XXXX show I owe nothing in student loans, but Experian shows I do. It mentions in the Fair Credit Reporting Act that the agency must investigate unless your dispute is frivolous. 

It doesnt mention I have a XXXX balance on my XXXX account. It shows up on Experian from my current knowledge of the situation. I didnt see it on XXXX XXXX That also makes we wonder how I received letters from different third party companies in the past 2 years that I owe money to them in regards to XXXX. This baffles my mind on how these credit bureaus are spewing inaccurate information.

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 2022-10-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I recently rehabbed my student loans, and XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but XXXX, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.

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 2022-10-16 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: DE

Complaint narrative:
I recently rehabbed my student loans, and XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but XXXX, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: DE

Complaint narrative:
I recently rehabbed my student loans, and XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but XXXX, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.

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 2022-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX  acount # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX acount # XXXX has violated my rights. 15 USC 1681 Section 602A says I have a right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-16 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
XX/XX/XXXX XXXX Charge {$19.00} Goldman Sach Credit card ( Apple Card ) I initiated Chargeback request on XX/XX/XXXX for poor quality food undercooked and generally the worst I had seen from XXXX. I received a provisional adjustment on XX/XX/XXXX for the amount however Over 2 months and 2 billing cycles later there is still no actually amount that has been credited back to me as a refund that is part of my available balance contacted Goldman Sachs apple card service multiple times the 2nd to last time they reassured me it would be credited back back in days but never was then when i tried to contact them two weeks later got transferred around 5 times until so eventually gave up as I should not have to go through these hoops to get a refund they obviously messed up on this one and continually lied to cover it up as the only other chargeback i did with apple was resolved within the cfbp time period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16 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: FL

Complaint narrative:
All three credit reporting agencies do not update payments or correct balances. Especially XXXX and Equifax. Equifax gave access to XXXX without my authorization. XXXX is reporting wrong payments on my car lease payments. This whole reporting agencies is out of control. Its like they are working for credit card companies, instead of consumers. They report things incorrectly to lower credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2022, I received notice in the mail from Wells Fargo indicating : We received an online application to open a new deposit account using your personal information. Based on information we received, we were unable to successfully verify your identity. For your security, we declined this application and did not open an account. 
There's no need to contact us. We just wanted to assure you that no account has been opened and provided you with resources to help protect your identity. You'll find this information on the next page under " Didn't submit an Online Application ''.

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 2022-10-16 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: Mcburberod Financial, Inc. d/b/a SeedFi
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Account with XXXXXXXX XXXX is already satisfied and paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX acount # XXXX, XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  acount # XXXX has violated my rights. 15 USC 1681 Section 602A says I have a right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX acount # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX acount # XXXX has violated my rights. 15 USC 1681 Section 602A says I have a right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

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