vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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: DISCOVER BANK
State: GA

Complaint narrative:
Discovers failure to appropriately investigate, notify, do its due process has caused me undue hardships. Ive made more than 10 calls to Discover, been transferred more than 15 times, and have spent no less than 13 hours of my time ( 80 % of the time on hold ). 
Discover completed an investigation on disputed charges I was unable to complete directedly with the retailer, whom completed neglected any communication with myself. Nevertheless, Discover came to the mistaken conclusion that a series of charges by XXXX were services I purchased and used. 

Facts Section I : I made Discover aware that I did have an account with XXXX and that it had been canceled as it was never used. Upon the most recent statement showing the unrecognized charges, I initiated the dispute. 

Discovered allowed XXXX to continue a charade of charges to charge a credit card number that had been reported lost or stolen, and consequently replaced, on multiple occasions. 
Discovered was instructed on of XXXX XXXXXX/XX/XXXX to block any further charges, authorizations, or business dealings with XXXX. XXXX XXXXXXXX assured me that a block would be initiated. 

No Access : I do not have the ability to discuss my account with XXXX representatives because they could not verify my identity with an updated cell phone number and their use of an expired email account. 

Fraud : When I noticed charges on my statement, I contact Discover to start a dispute. The agent suggested the funds would not be reimbursed unless it was labeled as fraud. I changed the disputed status to fraud. 

Failure to protect : Despite my request to ban future transactions, Discover still allows XXXX to authorize transactions on a new account number. As recently as XX/XX/2022, XXXX debited and credited my account for {$1.00}. ( See documents A and B ). This is a banking transaction technique used to verify with card retailers if the consumer has available credit. There is no conceivable reason this should have taken place on XX/XX/2022 when they were banned by Discover to unlawfully gained access to my account. 
Dont be off put by the disguised name of the authenticator on XX/XX/2022, if you research further XXXX merchants ' contact information is addressed as XXXX XXXX XXXX XXXX, Az XXXX. Discover allowed this to take place after a block was initiated and should have been followed thru by the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: NY

Complaint narrative:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2022-08-05 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: IL

Complaint narrative:
I was recently denied a fraudulent charges claim on my account.. and there has yet to be a response or resolution I was told by a representative to provide proof of being in XXXX Illinois in which I reside, there were numerous purchases made in another state that I did not approve of or had any knowledge of when they occurred .I would like this to be reopen and resolved immediately Attached are my timesheets for the weeks XX/XX/17 XXXX XXXX I am currently employed at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please Feel Free to call and verify this information XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
Fraudulent debt not mine there reporting this fraudulent debt to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX  XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, and XXXX XXXX  account number XXXX. Has violated my rights. 

15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

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

I did not give them written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX  XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, and XXXX XXXX  account number XXXX. Has violated my rights. 

15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

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

I did not give them written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: NY

Complaint narrative:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2022-08-05 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: NY

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Santander Bank has caused my husband ( XXXX XXXX ) and I ( XXXX XXXX ) harm by reporting information on our credit reports for late payments on XXXX, XXXX, XXXX, XX/XX/XXXX due to an error caused by Santander Bank. 

Here is what XXXX team issues that have harmed my family credit history : -Inaccurately calculated our mortgage escrow analysis using the 3 year amount on my hazard insurance versus the annual amount causing a shortage to our mortgage escrow account. Our monthly mortgage payment went from {$3100.00} monthly to {$4400.00} XXXX never updated my new address or phone information when a request to change address was sent on my XX/XX/XXXX statement. 

-Due to this inaccurate contact information I was not aware my mortgage payment had changed due to escrow payment increases. As my bank recurring payment was set to a {$3900.00} ( included monthly mortgage of {$3100.00} and additional payment toward principle of XXXX ), XXXX reported my husband XXXX XXXX and XXXX XXXX as XXXX on 4 months dropping our credit score from XXXX to XXXX. 

-We were paying {$760.00} monthly extra principle however due to escrow errors none of this was applied to my principal which cause more interest to compound. 

-After my letter to XXXX XXXX XXXX issued a refund check of roughly {$13000.00} of overage on my XXXX account which is proof of their inaccurate escrow analysis. 

XXXX Bank has cause harm to my family due to unfair and deceptive practices. We will be disputing these with credit bureaus however it is likely our credit history has been harmed for the next 7 years. 

Please hold them accountable for harming customers as these escrow analysis errors should have been caught. Additionally servicing practices of not updating customer information causing irreparable damage.

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 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I purchase XXXX {$500.00} visa prepaid cards from XXXX on XX/XX/2022 and i found the next day when i tried to use the card that the balance on both cards were zero. 

When i checked the card balance on the website, i found out that the card balances were completely drained via XXXX x {$250.00} transactions on each card at the same time at XXXX. 

i have tried calling XXXX at their number XXXX XXXX XXXX at least 10 times the last XXXX weeks and no one seems to answer beside the automated message informing they are busy with high call volume and " to call back later ''.

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 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I submitted a payment to arrive by XX/XX/XXXX, from my bank XXXX XXXX XXXX XXXX ). 
XXXX XXXX XXXXXXXX confirmed delivery of electronic check : XXXX XXXX XXXX This was processed. 

However, Comenity Bank/Bread Financial did NOT credit my account with the payment of {$420.00}. 

I called on XX/XX/2022 to redress the situation. They said they'd flag my account, waive the late fees, interest charges. As of today, XX/XX/XXXX, they still have not done that. 

I have also submitted a second payment on XX/XX/2022 which was processed on XX/XX/XXXX and has not been credited to my account with Comenity. That was for {$500.00}, XXXX # XXXX They then applied late charges for non-payment ( {$40.00} ) plus interest charges ( {$8.00} ) as XX/XX/XXXX. 

XX/XX/XXXX : They have also prevented me from making any new purchases at this point ( which is problematic for shopping at XXXXXXXX XXXX ). 

Comenity also opened a new line of credit under their Victoria 's SecretXXXX XXXX XXXX however, I did not give authorization nor permission. Fortunately the balance is XXXX. Their customer fraud team sent me the new card with accompanying information " they suspect fraudulent activity and that I need to submit additional documentation '' however they were the ones who opened the line of credit on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05 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: NY

Complaint narrative:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : RETIRED Date Updated : XX/XX/XXXX UNKNOWN Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: OK

Complaint narrative:
I recently checked my credit report and found that someone had been applying for something in my name. I have already notifi ed the creditbureaus regarding a fraud alert. These are the two inquiries that I located that are unverifi ed and unauthorized : 1. XXXX  Date of Inquiry:XXXX XXXX. XXXX Date of Inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: FL

Complaint narrative:
on XX/XX/2022 I sent Experian an identity theft police report, identity theft ftc report and a list of fraudulent accounts being reported on my credit report experian received the documents on XX/XX/2022 yet they have not removed the fraudulent accounts pursuant to 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

experian is in violation of the fair credit reporting act

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 2022-08-05 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: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: WI

Complaint narrative:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
No information has been verified connecting me to these illegal accounts that XXXX XXXX has false open. I Have not signed or offer any social security number has been verified or provide.

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 2022-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax has been selling my information, which is not their place. They have also been able to furnish my credit score for me without my consent. They've assumed this responsibility. According to the congressional findings under law 15 USC 1681 ( a ) ( 3 ), congress made it clear that they assumed this role. I have never given them my permission or consent to do so. Also under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again under 1681 ( b ) ( 2 ), I have never instructed them to furnish or create anything that is on my credit report. They have assumed control over my trust without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo reported me for late payment in XXXX of XXXX. This was a surprise to me, because I had not used the card for the previous year. So, somebody had been making fraudulent charges on the account. I reported the fraudulent charges, and was told that they would be removed. Wells Fargo lied. And, they reported me again in XXXX of XXXX. I paid off the account by XXXX of XXXX. Even though the charges were not mine, I wanted to avoid further damage to my credit report. Wells Fargo has never removed the fraudulent charges. Wells Fargo had not sent me statements since XXXX of XXXX. This is the main reason why I stopped using the account. I finally received a statement in XXXX of XXXX, after many contacts with Wells Fargo. My bill was paid at least 5 months BEFORE it was ever received. This was an EARLY payment. Not a LATE payment.

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On my equifax, XXXX, AND Experian credit reports, it does not show all of my open credit card accounts. On my equifax, XXXX, AND XXXX credit reports, it only it should show XXXX open accounts total XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX credit card XXXX XXXX bank credit card my XXXX credit card account when it should show XXXX open accounts total XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX credit card XXXX XXXX bank credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
The company said my name was added as an authorized user and it was without my permission from Amex and its showing that the account balances is mines! They closed the account and it shows closed account but the account was never mines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Mortgage loan company pulled a hard credit check without our consent. Company being uncooperative. 
Date : XX/XX/2022 Company : XXXX XXXX

Company response to consumer: Closed with explanation