vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was informed of the judgement by a third party while trying to purchase a home this year. I was not aware that the judgement existed until then. The debt is not on my credit report. I was never served any documentation on any judgement. The debt is dated for 2014, which is over 7 years old.

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 2023-01-07 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: IL

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. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I need this item removed from my credit report immediately or further legal action will be taken.

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 2023-01-07 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: IL

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. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX Go Financial 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.

I need this item removed from my credit report immediately or further legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: TX

Complaint narrative:
( XXXX ) On XX/XX/XXXX was charged XXXX for a " WalmartXXXX XXXX membership. I had cancelled a trial period within the guidelines ( before 30 days ) and should not have received this charge on XX/XX/XXXX. I called Walmart and talked to XXXX on XX/XX/XXXX at XXXX XXXX XXXX He could find no account for me and told me to dispute charge with credit card company. I did. The charge was reversed under case # XXXX. ( XXXX ) On XX/XX/XXXX I was charged XXXX again. I called and spoke to XXXX at Walmart on XXXX XXXX XXXX XXXX XXXX. Again no account could be found for me. Credit card company again reversed the charge under case XXXX. ( XXXX ) On XX/XX/XXXX I was charged again. This time the charge read " Walmart XXXX XXXX XXXX and the amount was now XXXX. I disputed the charge with the credit card company and they reversed the charge under case XXXX ( XXXX ) Credit card company told me that charges from Walmart could not be blocked ( XXXX ) I asked for a new credit card with a new number. They sent me XXXX with a number ending in XXXX ( previous number ended in XXXX. ( XXXX ) On XX/XX/XXXX I was charged yet again for XXXX. I called credit card and asked how? The answer was because the new credit card number was automatically given to Walmart. Charges reversed under case XXXX ( XXXX ) On XX/XX/XXXX I was charged XXXX again. I called Walmart on XX/XX/XXXX at XXXX XXXX and spoke to XXXX. He ( as all the others at Walmart had done ) tried to search for an account for me under my name, my email, my phone number, my address, the date of the last charge and the last XXXX digits of the credit card. He could find no account, and said his hands and those hands of the person above him were tied as far as the charges- they could not stop the charges and I need to dispute with the credit card company. Credit card reversed the charges under case XXXX. ( XXXX ) I asked to close my account completely. Credit card company said they could not do because there were outstanding disputes on my credit card. I have letters in my hand from them for every case I have referenced above saying " At this time, we consider your case closed even if we provide you with additional information. '' ( XXXX ) I just received a letter dated XX/XX/XXXX from credit card company saying that they are going to recharge me for the XXXX charge under case XXXX because I did not answer every question on a very long form they sent me ( instructions were to put NA if question did not apply, which I did ). The charge reversals still hold however for XXXX, XXXX, XXXX, and XXXX... so why is XXXX any different? They told me in one conversation that the reason that they reversed the charges is because Walmart did not respond to their request for more info to prove the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/22 I paid for a service that I DID NOT RECIEVE AND STILL HAVE NOT RECEIVED through my Chime debit card. I have disputed and tried to get my money back thru Chime who is refusing to give me my {$300.00} back! I was scammed through a XXXX  XXXX  user and I sent in multiple Documents proving I never received what I paid for. They sent back a document of me requesting a refund from the scammer and said that was the reason they are not giving me my money back! How does that even make logical sense! Chime states they assist and refund customers who have been scammed or paid for something they did not receive however, they are not helping me! I have been patient, and tried to work this out but this is ridiculous! They have no reason to not assist me with this. The documents they provided makes XXXX sense and doesnt even state what I said or prove anything besides that my money was indeed stolen! Please help {$300.00} gone down the drain & my bank Chime/XXXX  is not helping! I have multiple documents of me trying to work this out with both XXXX XXXX, Chime, and the scammer who refuses to give me my money or respond after I sent the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: SC

Complaint narrative:
XXXX Bank. 
I contacted XXXX Bank to setup savings account. I provided all information necessary and they flagged my account for not being able to validate address. Once utility bill was provided they flagged account again because I changed my name ( marriage ). Followed up again, to setup account and they denied me because their system can not verify my identification. This is after I submitted SSN, SSN name change form, utility bill, drivers license, and other personal information. 

In review of XXXX Bank, other consumers have had the same issue where they collected personal information and did not notify consumers of valid reason of application status. I dont even have a status of approved or denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX Date opened : XX/XX/XXXX Account XXXX XXXX Status : XX/XX/XXXX paid. 
Im XXXX  to have these hard inquiries on my credit report Im not able purchase property because of this Ive been trying to hard to do right with my credit to be XXXX to see this I would like this hard inquiry removed I see no use of it on 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
Consumer complaint received 2023-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called TransUnion on XX/XX/2023, around XXXX XXXX PST. I spoke to a female agent located in the XXXX call center. At the very beginning of the phone call, the agent purposely disconnected the call on me. This is the XXXX time this has happened. Its always occurring with the XXXX call center. This is known as call avoidance and is inappropriate. It is prohibiting me from filing a dispute pursuant to the federal FCRA. This is becoming a common practice and a norm in the XXXX call center ; which is egregious.

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 2023-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I was informed of the judgement by a third party while trying to purchase a home this year. I was not aware that the judgement existed until then. The debt is not on my credit report. I was never served any documentation on any judgement. The debt is dated for 2014, which is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: DISCOVER BANK
State: NV

Complaint narrative:
Pursuant to the Heroes Act ( Section 110401 ) DISCOVER BANK violated my rights by reporting late payments during the XXXX Pandemic. 

see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I recently applied to the Barclays XXXX XXXX as I am traveling more with XXXX. I received a letter in the mail stating a thank you for applying, but they need additional information to process the request. What is needed is Drivers License front and back, social security card front and back, and utility bill. I have never in my life needed to send my social security card and am not comfortable with this. I feel discriminated. I have never ever had to submit any of these in my life of using credit cards. My credit is immaculate... 

They then want me to submit these copies via mail. Why do I have to go out of my way to mail these and pay for these expenses? Very unethical. I can email or attach copies, but to me this is going too far. I want a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: AZ

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.

Please include 1. Copy of original application 2. My original e-signature of application 3. Full payment history from original creditor.

4. Original purchase agreement showing you can legally collect the alleged debt.

Thank you for your time and 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 non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX Date opened : XX/XX/XXXX Account : XXXX Status : XX/XX/XXXX paid. 
Im hurting to have these hard inquiries on my credit report Im not able purchase property because of this Ive been trying to hard to do right with my credit to be traumatized to see this I would like this hard inquiry removed I see no use of it on 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 non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX Date opened : XX/XX/XXXX Account : XXXX Status : XX/XX/XXXX paid. 
Im hurting to have these hard inquiries on my credit report Im not able purchase property because of this Ive been trying to hard to do right with my credit to be traumatized to see this I would like this hard inquiry removed I see no use of it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: PA

Complaint narrative:
XXXX XXXX, equifax and XXXX refused to update my credit profile and send me a copy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: PA

Complaint narrative:
XXXX XXXX, XXXX and experian refused to update my credit profile and send me a copy of 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
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to use the XXXX to get my Equifax credit report since the beginning of the year but failed. After I entered my personal information as instructed and chose Equifax, XXXX redirected me to Equifax website. Equifax then further required me to put my name and contact info to verify my identity. However, Equifax says " its system can't process my request '' after that even though I could verify my information was correct on Equifax 's own portal or customer care representative ( CSR ). The request for Equifax credit report worked in last year and before but it stopped working earlier this year. I contacted Equifax to report this issue on XX/XX/XXXX. The CSR could not figure out the reason and solve it. I requested to open a ticket but I still have not heard anything. And the problem persists. 

I filed my CFPB complaint on XX/XX/XXXX, and got a response from the company. The company never addressed my concern regarding the technical issue through CFPB or phone call through their customer care. Instead, they just sent a paper copy to dismiss my complaint. Last year, their rep offered the paper mailing and the paper copy never arrived at my address. My critical personal info was further exposed to some random people due to mailing of paper copy. That's why I would like Equifax to fix the website issue so I can get my report electronically as it is supposed to. 

The company didn't fix their website portal error when I use annualcreditreport.com to request Equifax report. Instead, they just sent a paper copy. 1 ) Paper mail of credit report is not safe since the last report in XXXX got lost by post office. 2 ) Paper copy is bad for our environment, not eco friendly. 3 ) Does that mean, I still have to file a CFPB complaint each time to get an Equifax report? Why not resolve the issue fundamentally? The company either did not even read the complaint, or on purposely ignore the root cause of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: PA

Complaint narrative:
Trans union, XXXX and XXXX refused to update my credit profile and send me a copy of 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
Consumer complaint received 2023-01-07 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: NC

Complaint narrative:
Equifax and XXXX are forcing me Yo jump through hurdles regarding getting Identity theft entries removed from my credit files! 

I have produced all the proper documentation and files the appropriate reports with the FTC, the North Carolina Department if Justice and the XXXX XXXX XXXX XXXX Department, our local law enforcement division. 

Equifax and XXXX both are violating my rights and harming me everyday by not following the law. 

Please assign an investigation into the violations of both. 

Per laws : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA.

Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y

Company response to consumer: Closed with explanation