vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My XXXX Account was hacked internally where my phone was highjacked when my SIM card number was changed on XX/XX/XXXX ( did not know at the time ) and a new phone line was added to my account without my permission. I got XXXX fraud warnings XXXX from Wells Fargo on XX/XX/XXXX and XXXX from XXXX XXXX Bank on XX/XX/XXXX. I am the only authorized user and only have XXXX debit card with Wells Fargo. I immediately answered XXXX and in error accepted as non fraudulent ( it was XXXX am and there were a number of charges. Upon review I immediately read the charges again and noticed XXXX that was for GAS ( no amount ) and realized that this was not an auto pay. I tried to Iogin into my Wells account and could not get my SMS text after 3 tries. After I logged in with my email getting the authorization code and found the charges were for XXXX at a Gas station in Florida. That is when I logged into XXXX and noticed a different phone next to my tele number and a XXXX line added. I immediately notified the fraud unit of Wells Fargo XX/XX/XXXX at approx. XXXX and was given a Claim Number and was told to destroy my card and a new card will be issued XXXX Days. The XXXX charge from XXXX on my XXXX XXXX Bank I sent back as Fraudulent ( {$2300.00} ) which originated in FL also. I Notified XXXX of the fraud and they reinstalled the correct SIM on both of my numbers and deleted the XXXX fraudulently added line. Wells sends me letter XXXX that they have denied my claim due to fact that card was tapped? I have NEVER tapped a card in my life, asked them to check my account and asked them to send me a store video of me in FL. They stated to me ( A female named XXXX ) that you can not hack the chip and I must of given my card to someone?? I have since read about the XXXX XXXX that occurred XX/XX/XXXX ( was never notified ) and internet posts on how a fraud can occur with a tapped transaction. Wells is sending me the documents ( who knows which ones ) but it appears they will recharge my account for the fraudulent charges. What does a consumer do?

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT AND SOMEONE OPENED THIS FRAUDULENT ACCOUNT WITHOUT MY AUTHORIZATION. 

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 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I use XXXX XXXX XXXX. I was on XXXX and was looking at a business page to purchase a XXXX. I was told zelle was the best way to pay. I paid {$1800.00} on XX/XX/ and got scammed. He blocked me after I paid. Zelle knows where the money went and All of the banks own it. I don't understand why they allow this to happen with no protection to the consumers. It was a fake page with a fake name, but when I put the email from zelle in XXXX XXXX his real name came up. Nothing has been done to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: EQUIFAX, INC.

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: NY

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT AND SOMEONE OPENED THIS FRAUDULENT ACCOUNT WITHOUT MY AUTHORIZATION. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: NY

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT AND SOMEONE OPENED THIS FRAUDULENT ACCOUNT WITHOUT MY AUTHORIZATION. 

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 2022-12-14 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.

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-12-14 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.

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
About XXXX months ago I opened a checking account up with Capital One I received my debit card and once I made my first deposit my account was closed days after locking my money with it. This was end of XXXX and it is now XX/XX/XXXX since my account has been closed and I have contacted the bank asking what happened but was told that they chose to end the banking relationship. I was told that the account would be closed and Id be mailed a close out check but I have been waiting for months now and have been forced to ask family to borrow money because I still havent received any money that I deposited. I have continued calling but was told to just continue waiting until the account has been closed. Please help CFPB here is the XXXX and phone number associated with the account if this will help ( XXXX ) XXXX XXXX ( I have another account as well that they will not close I am/was a loyal Cap1 customer )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: MD

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 account numberXXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section602A 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.C1681c a ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions which antedates the report more then 7years 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 tht 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 2022-12-14 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: MD

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 account numberXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section602A 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.C1681c a ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions which antedates the report more then 7years 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 tht 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 2022-12-14 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: NY

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 of XXXX, XXXX of XXXX, XXXX of 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 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. 
- There are several inaccuracies being listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase had some type of update to their online banking where I am not getting any alert for balances payment made and not allowing me to do transfer. I was charged three over draft fees around a months ago. I called they stated they cant fix it but they will fix it. Again yesterday same problem over draft benefit is not working so its not transferring money between the accounts and no alerts of bank transactions as I was assured now it is fixed. So I was charged another two fees. Last night I attempted to transfer money between my account it wouldnt let me. I called and was told that was fixed. So today I was charged another two over draft fees. I been charged XXXX in fees due to bank errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
In XXXX Navy Federal raised my interest rate stating that they never received a POA form I sent in 3 times for the lein. I sent the form in a 4th time with tracing and signature confirmation and 3 weeks later was told it was still not received. I finally sent a system message with screenshots of the signature and name that signed for it on XX/XX/2022. 
I also ran into financial trohble and was approved to move 2 payments to the end of my loan before I was ever late. My XXXX and XXXX payment was to be moved and I would not have a paymenbt until XX/XX/2022. I made my payment on that date and a week later my payment exension was reversed and {$780.00} was taken from my checking account without any notice on XX/XX/2022. I called in and the payment was reversed and I was told that they are working to put the extension back on my account and remove the late fees added. 
Fast forward to today and the issue with my loan account isn't fixed and the money came out of my checking account again. 

I have called Navy Federal many times and have been told everything is being fixed but they keep taking money from my checking instead of fixing the problem. I need this resolved ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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 — Investigation took more than 30 days
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
I'm trying to get my payments reported I checked all credit reports it's been 90 days since I made my first payment I contacted XXXX XXXX XXXX XXXX to see how to report it they directed me to credit bureau and said to summit a dispute the only issue is you can't dispute something that is not on your credit report I want this issue resolved immediately I was lied too and the only reason I bought a vehicle is to help build credit can't do that with no reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX someone created a Chime Account in my name as I received a " welcome to Chime '' email and per the email : " In the meantime, were personalizing your Chime XXXX XXXX XXXX and will mail it out in the next few days. Need to make a purchase? You can use your digital cardits in the app under Settings ''. 

On Mon XX/XX/XXXX a deposit was made to this account for {$1000.00} ; the following day 2 withdrawals were made for {$400.00} and {$100.00} to individuals thru the Chime phone app similar to XXXX. 

On Tuesday XX/XX/XXXX I received an email from Chime that my phone # regarding this account had been changed to an unfamiliar # at which time I called Chime Support and began working to stop this fraud activity. After proving my identity to Chime I was able to access this account & app ; This account had an old address that I had moved from nearly 2 years ago. 

The person ( s ) had tried to purchase merchandise during this time but I was able to turn off the " allow transactions '' in the app. 

This situation is still ongoing as-of today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
I disputed a debt with Americollect account number XXXX for {$710.00} on XX/XX/22 and again on XX/XX/22 advising that I have no knowledge of this bill and upon contacting the original creditor XXXX XXXX XXXX, they could not provide an itemized billing, medical records, or contract signed by me nor verify there is a debt owed in this amount for me or any member of my immediate family.The debt is also linked to an unknown and invalid address not linked to me. I am requesting this invalid debt that does not belong to me be deleted immediately from XXXX and all other credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
I submitted certifying employment for XXXX on XX/XX/22. I had several employers and submitted several different forms. On XX/XX/22 Mohela marked one of my forms as a " duplicate. '' I called and spoke with someone who confirmed that it was NOT a duplicate and had never been processed to begin with. She then stated that it would take 90 days to process the form. It had already been 67 days and now my 90 days restarted because of THEIR ERROR. I've met the 120 payment threshold and now have to continue to wait because they are not properly processing forms. The representative stated that there was no way to expedite it. It appears that they are trying to deny the relief that people are entitled to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: TX

Complaint narrative:
XXXX. I never lived at this address XXXX XXXX XXXX XXXX XXXX Texas XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX XXXX. I never lived at this address XXXX XXXX XXXX XXXX XXXX Texas XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

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