vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 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:
I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I also reached out to the Consumer Financial Protection Bureau, because pursuant 16 CFR 313, the Bureau must enforce Federal Law. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, Experian, XXXX, XXXX  and XXXX XXXX  are consumer reporting agencies, and I am the consumer, to whom these consumer reports relates to. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, Experian, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

Experian, XXXX, XXXX XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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. 

The admissions of the XXXX XXXX XXXXXXXX and XXXX XXXX in my consumer file are violations of Federal Law, pursuant to 20 USC 1232g ( b ). The Family Educational Rights and Privacy Act is a federal law enacted to protect the privacy of student education records. FERPA protects public and private school records.

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 2023-02-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had an incident happen to me back on XXXX 2021. I was a victim of fraud. I used my card as part of an unauthorized transaction of {$1000.00}. The person who initiated the fraudulent act requested gift cards from me. I filed a claim with Wells Fargo and they denied my claim. With the claims in XXXX this was emotional and the bank should have restored my losses or not allowed me to go through with the transactions. I am due {$1000.00} in restitution damages. Claim number was XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 XXXX I have the right to privacy. 
15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX XX/XX/2023, I contacted Capital One about an automated payment that I needed to change dated for that day as there had been fraud on my account. The representative, named XXXX, stated that she couldnt make any changes to the payment as it was the date of the payment. I was told to make an additional payment from another payment source and told that if I received a return payment or past due fee on my next monthly statement to call in and it would be credited. 

Today after XXXX representatives I was told by supervisor XXXX XXXX employee number XXXX that they would not be able to do this as another capital one account had already used my XXXX time courtesy waiver. She refused to refund the fee. She refused to transfer me to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This is FRAUD! 
The ACCOUNT RESOLUTION SERVICES has attempted to collect various DIFFERENT AMOUNTS and has opened new report ( s ). 
I will be taking legal action against any and all in concert with these company ( ies ) in this report. 

Furthermore, I have notified all Reporting Agency ( ies ) that the name is XXXX XXXX XXXX! 
Any other name other than XXXX XXXX XXXX is FRAUD! 
XXXX XXXX, XXXX XXXX XXXX and various addresses that have been attached to the reports are INCORRECT. 

I am entitled to exercise my rights and i waive no rights! 
All reports must be removed! 
Contact XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

INACCURATE ADDRESSES ARE BEING REPORTED TO MY XXXX CREDIT ACCOUNT SUCH AS XXXX XXXX XXXX XXXX XXXX XXXXXXXX and also XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I NO LONGER WORK AT THE JOBS XXXX AND XXXX XXXX IS BEING REPORTED TO MY XXXX ACCOUNT. 

ALSO ON MY EQUIFAX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX IS BEING REPORTED WHICH IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

INACCURATE ADDRESSES ARE BEING REPORTED TO MY EXPERIAN CREDIT ACCOUNT SUCH AS XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and also XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ALSO I NO LONGER WORK AT THE JOBS XXXX AND XXXX XXXX IS BEING REPORTED TO MY EXPERIAN ACCOUNT. 

ALSO ON MY XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX IS BEING REPORTED WHICH 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 2023-02-04 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am American and had a fraudulent charge of {$5800.00} with foreign transaction fee of {$170.00} on XX/XX/XXXX on my Chase Credit Card. I reported fraud on XX/XX/XXXX as I did not notice the charge until I reviewed my monthly statement later. At that time I checked my other accounts and noticed XXXX XXXX  fraudulently charged my XXXX Credit Card and my XXXX XXXX XXXX for similar amounts. ( XXXX and XXXX determined it was fraud and have since refunded and closed claim ). 

I was immediately given credit for the fraud by Chase after notifying them and later called in XXXX confirming it fraud and was told the dispute is finished. Today XXXX I received a letter from Chase stating I am responsible to pay because I BENEFITED FROM PURCHASE. 

I have no idea what XXXX XXXXXXXX XXXX XXXXXXXX is. It has no website, its XXXX registrations show it dissolved in XXXX, it was registered at an apartment with XXXX other companies. This is obviously fraud and I need CFPB to help me get this reversed. Chases Fraud Protection likely needs to be reevaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
CFPB complaint : On XX/XX/XXXX, I placed phone call to XXXX XXXX XXXX XXXX in response to a call I received from them. ( XXXX ) XXXX They informed me about their attempt to collect debt they claimed I owed LVNV Funding LLC for a total of {$1100.00}. The original creditor of this debt was XXXX XXXX XXXX. 

Upon my request, they agreed on sending me information in writing about such account. 

On XX/XX/XXXX and XX/XX/XXXX, Resurgent capital services sent me two letters with 2 attachments : a credit card statement and an account summary. These documents indicated that the account origination date was XX/XX/XXXX and account charged off on XX/XX/XXXX. 

I replied via certified mail requesting validation of debt as belonging to me by provision of the original contract signed agreement. I requested that information twice. Resurgent Services, replied to me twice not providing the contract signed agreement but the copies of the card card statement and the account summary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC
State: WA

Complaint narrative:
On XX/XX/23 I made a deposit for {$660.00} into my XXXX XXXX account held by Customers Bank XXXX I was informed that my deposit would be placed on an exception hold and the reason stated was : Confidential information that the check may not be paid. 

The check was in fact cleared XX/XX/23. The funds were not made available until XX/XX/23. 

My issue is the nature of the " confidential information ''. I have been with this bank for over a year, maintained a minimum balance of over XXXX and have not had any history of returned deposited items or NSF. This simply seems like a tactic to not make funds available with no real reason for an exception hold. What I'm asking for is an explanation of the nature of the confidential information that prompted this action.

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 2023-02-04 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: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
Showing i owe {$9800.00} on auto loan with Auto Advantage Finance the true loan balance is {$3900.00}. Also showing 8 months of finance but it's was 36 months of finance with 8 month remaining. XXXX is way behind with updates. This is hurting my score and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, * XXXX, XXXX AND EQUIFAX have violated my consumer rights.

15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I have never given prior consent or have any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, for I have never once consented to any such terms of agreement. Please provide the signed contract validating each and every one of the unauthorized inquiries.

If no documentation bearing my wet signature can be presented with your response as verifiable proof, Than i insist you remove all unauthorized inquiries. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, * XXXX, EXPERIAN AND XXXX have violated my consumer rights.

15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I have never given prior consent or have any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, for I have never once consented to any such terms of agreement. Please provide the signed contract validating each and every one of the unauthorized inquiries.

If no documentation bearing my wet signature can be presented with your response as verifiable proof, Than i insist you remove all unauthorized inquiries. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX, Transunion and XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by XXXX XXXX XXXXXXXX XXXX My current loan servicer is XXXX with a balance of XXXX, XXXX after consolidation and transfer from XXXX thus XXXX out these amounts with XXXX. 
My XXXX report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under XXXX that was consolidated and transferred to XXXX. This makes my student debt total with XXXX XXXX when it should only be XXXX XXXX and the XXXX balance should be XXXX. 
My Transunion report shows the correct XXXX amount of XXXX and an XXXX balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the XXXX balance should be XXXX. 
My XXXX report currently shows XXXX with a balance of XXXX and XXXX balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and XXXX balances are XXXX. 

My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. XXXX reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by XXXX, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and XXXX XXXX XXXX XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed.

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 2023-02-04 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: PA

Complaint narrative:
My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX, XXXX and Equifax. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of EDXXXX XXXX My current loan servicer is XXXX with a balance of XXXX, XXXX after consolidation and transfer from XXXX thus XXXX  out these amounts with XXXX. 
My Equifax report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under XXXX that was consolidated and transferred to XXXX. This makes my student debt total with Equifax XXXX when it should only be XXXX XXXX and the XXXX balance should be XXXX. 
My XXXX report shows the correct XXXX amount of XXXX and an XXXX balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the XXXX balance should be XXXX. 
My XXXX report currently shows XXXX with a balance of XXXX and XXXX balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and XXXX balances are XXXX. 

My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. XXXX reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by XXXX, Report # XXXX, on XXXX XXXX, 2022 for the same issue after calling both XXXX and DEPT OF ED XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed.

Company response to consumer: Closed with explanation