vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 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: IL

Complaint narrative:
Good evening you have recently reported that XXXX and XXXX bank is reporting accurately on my report but i so happen to have a letter from XXXX saying you all are reporting inaccurate information late payments .Please update to paid as agreed .If you refuse, I will like to inform to You that you are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

Recently i did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

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 2022-01-14 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: IL

Complaint narrative:
Throughout XXXX, I was getting notifications via the XXXX XXXX that my account was past due, although I made the minimum payment. After the minimum payment was made, I continued to get notifications that my account was past due in the amount of {$2.00}, which should not have been the case but I paid it anyway. Days later, I received another notification stating my account was past due in the amount of {$2.00}, so I make another payment. Again, on XX/XX/XXXX, I received another notification stating my account was 29 days past due in the amount of {$0.00}. 

At this point I was very concerned and reached out to Upgrade support letting them know that I was concerned that my account was showing past due and I was further concerned that I would be reported as past due to the credit bureaus. I received a reply advising that these repeated notifications were due to a system glitch and assured that I would NOT be reported delinquent to the credit bureaus. 

Today, I received a notification from Experian that my credit score had dropped XXXX POINTS because XXXX reported my account over 30 days delinquent in XX/XX/XXXX. This is absolutely unacceptable, inaccurate, and illegal. This error was already brought to their attention and even still I have endured serious consumer harm by way of my credit score. I am very distraught. Please remedy immediately. Screenshots and company communication is attached here.

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 2022-01-14 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: CA

Complaint narrative:
I am enrolled in XXXX through XXXX. Through XXXX, I received Credit Alerts related to several " New Inquiry '' requests that I did not make or request to have performed, and that I do not recognize or have any information about. These inquiries ( detailed below ) into my credit file were done fraudulently and without my permission. 

Specifically, on XX/XX/XXXX, an inquiry was made made through Experian from the following company : " XXXX XXXX XXXX XXXX XXXX. '' When I XXXX this abbreviated name, no further information was provided for the name of the company/business, but there were several forums that discussed the fraudulent nature of this inquiry. I have never contacted any company and/or entity related to the above abbreviated name with respect to running a credit report or requesting any services from any company and/or entity related to the above abbreviated name that would trigger their running a credit report about my credit file, history and/or information. 

Further, on XX/XX/XXXX, three separate inquiries were made through Experian, from the following companies : XXXX ) " XXXX XXXX XXXX '' XXXX ) " XXXX XXXX XXXX. '' XXXX ) XXXX XXXX When I XXXX  the above companies, it was revealed that the three inquiries, in order, related to a XXXX XXXX application for a credit card, a request by XXXX XXXX, and a request by the XXXX XXXX XXXX XXXX XXXX. I have never contacted any of those companies with respect to running a credit report or requesting any services from any of those companies that would trigger their running a credit report about my credit file, history and/or information. 

Similarly, on XX/XX/XXXX, a separate inquiry was made through Experian from the following company : " XXXX XXXX XXXX. '' On a related note, I received a letter in the mail from XXXX related to an application for a " XXXX XXXX XXXX XXXX. '' Similar to the above requests, I never contacted XXXX with respect to running a credit report or requesting any services from XXXX that would trigger XXXX running a credit report about my credit file, history and/or information, and never applied for a XXXX XXXX XXXX XXXX or any other credit card through XXXX. 

Each and every of the five ( 5 ) above inquiries into my credit file were performed without my permission and without my knowledge. I never requested any of the above companies to run a credit check, and never requested nor applied for any services with those companies.

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 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
{$7500.00} was taken out of my primary business checking account via a check deposit on XX/XX/22. I called Wells Fargo and spoke with their business operations and filed a claim for fraud. I didn't write the check and it didn't have my signature or my bank information. The check had the wrong business address and didn't have the authority to cash such a big amount. What checks and balances does Wells Fargo has in place to stop such fraud? I just don't want other business owners to go thru the same pain and stress that I am going thru.

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 2022-01-14 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Hello On XX/XX/2021 I ordered from XXXX XXXX XXXX for {$440.00}. I found out that the order I'd made my order incorrectly and canceled it with XXXX. I was told the refund would take 10 days but when more than 30 days had passed and I had not gotten a reply to my emails to asking about the refund, I disputed the charge with Robinhood in XX/XX/2021. 

I gave Robinhood pictures of the receipts and explained what happened. 

In XX/XX/2021 I received an email from XXXX  that my refund for {$440.00} had been submitted. 

It is XX/XX/XXXX and I have not gotten a refund or a credit back to my account. 
As I write this I'm talking to a " XXXX '' at Robinhood customer service ( XXXX ) XXXX This is the strangest customer service experience I've ever received. He doesn't appear to understand anything I'm saying and is talking in complete circles to me. 
I am getting no help whatsoever from Robinhood. They are just playing games with me.

Robinhood is claiming that there is a transaction in my account, not visible to me either in the app or online that explains where my {$440.00} is. The {$440.00} is not in my account and no one can explain this to me. 

Robinhood has sent me back an email saying they will not issue me a refund and they are impossible to get on the phone and are not responding to emails or pleas on social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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.
State: FL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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.
State: FL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation

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 2022-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have had a Kohl 's store charge card for many years. I have always received my monthly bill through the usps. Kohl 's switched me to paperless online billing without my consent or knowledge in/about XX/XX/2021. Because I didn't get bill in mail, I didn't see it and it did not get paid on time. The email account it was delivered to was unchecked by me. When I found out that I had a payment that was over due, I paid the full amount on card immediately. I recently checked my credit report and am horrified that they reported the payment as late. At the time, when I called to make that payment, I explained to Kohl 's that I have to get my bill in paper format and that they had made a mistake by changing my account to paperless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
WAKEFIELD AND ASSOCI has been sending me collection notices in the amount of {$330.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bought an air ticket using the Chase credit card and flew the airline. During the trip, i lost my carry on bag and filed the lost luggage benefits claim with Chase, but Chase denied my claim saying " Luggage that is lost, stolen or damaged while in the airport is not eligible for coverage. '' The benefits guide that I received with my card or the one available online ( under my account ) does not state any exclusion like that. My benefits very well reads - " The benefit reimburses Insured Persons for costs incurred to repair or replace Checked Baggage and/or Carry-On Baggage and personal property contained within due to physical loss or damage, if the loss ( including theft ) or damage occurs during a Common Carrier Covered Trip. My trip was very well covered as i had bought the full ticket using Chase credit card. 

My claim number filed with Chase card benefits services is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$16.00}, XXXX XXXX XXXX  XXXX XX/XX/XXXX {$8600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1100.00}, XXXX ( Original Creditor XXXX 01 XXXX XXXX ) XXXX XX/XX/XXXX {$310.00}, XXXX XXXX  ( Original Creditor : 12 XXXX  XXXX NA ) XXXX XX/XX/XXXX {$410.00}. Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/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 2022-01-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
reporting incorrect credt availability on several accounts reporting incorrect credit balances on several accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: VA

Complaint narrative:
On multiple occasions I tried to dispute with all three major credit bureaus several items on my credit report. These items were as a result of identity theft and fraud. I informed all three credit bureaus over the phone and in writing of this identity theft and fraud. They investigated using the dispute item within their website yet they refuse to remove the unauthorized inquiries on my credit report which is causing my credit report score to plummet and multiple declinations for credit. These hard inquiries were unauthorized, of which I informed all three credit bureaus of that. They still refuse to remove the unauthorized hard inquiries. I then put a fraud alert and credit freeze on my report with all three major credit reporting bureaus and in response and retaliation they lowered my credit score by almost XXXX points.

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 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SLM CORPORATION
State: CA

Complaint narrative:
Since I had a money market account with SallieMae bank they advertised to get their credit card and Iif I spend certain amount of the money on the period I will get {$200.00} which I did open the account and that {$200.00} plus around {$40.00} for my spending was in my credit card account, last XXXX I find out my personal information is compromised and they try to get my money out of all my accounts in different banks and apply for credit card under my name and one of the banks and credit card was SallieMae account for that reason I spoke to the customer care center in the bank and credit card company and we decided to close the credit card and they transfer the money I had there around {$240.00} to my account in SallieMae. Since that time around month ago i called them more than 20 times and ask about the money credit card company saying they send it my account and bank telling me there is no money in my account. It's got to the point have no chose to report them for fraudulent activity.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX according to USPS Certified Mail TransUnion received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 120 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 120 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon so they should be deleted promptly.

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 2022-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Recovery Services, Inc.
State: CA

Complaint narrative:
I have been receiving incessant calls from XXXX, Financial Recovery Services , Inc . I receive at least three calls per week. Each time that I receive the call, I have instructed their agents to cease and desist from calling my phone number, and to remove my phone number from their call database. While they tell me that they will, they do not, and continue to harass me all the time. I am requesting that the CFPB takes action against them for failing to respect the law. They are clearly in violation of consumer protection laws, both at the state and federal level.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am submitting this complaint on behalf of myself. I do not have Capital One nor am I responsible for said account. It is sad that these companies can flat out violate the federal law like this. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I will be filing with the federal courts about the continuous back and forth with the credit reporting agencies and companies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify not one thing. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level. The Capital One account does not belong to me.

Company response to consumer: Closed with explanation