vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 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: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
Identity theft is the intentional use or possession or transfer or attempted use with fraudulent intent by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: Self Financial Inc.
State: LA

Complaint narrative:
Identity theft is the intentional use or possession or transfer or attempted use with fraudulent intent by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I set up a new bank to link with my Well Fargo savings account. The new bank is XXXX XXXX XXXX XXXX savings account. Wells Fargo deposited XXXX small transactions into my account I had to verify which I did successfully. Then I transferred over {$4700.00} using their online system. The next day they sent me only an email not through their system, no phone call or any other information tell me the following : Wells Fargo temporarily suspended use of your XXXX XXXX XXXX XXXX account For your security, we temporarily suspended use of the following account for online Bank-to-Bank transactions initiated at Wells Fargo : XXXX XXXX XXXX XXXX XXXX You can not schedule new transfers or submit payments while the account is suspended. Any pending or scheduled transactions will not be processed. 
To reactivate this account, please call us immediately at XXXX, XXXX hours a day, XXXX  days a week. 
Sincerely, Wells Fargo Online Customer Service It states that I could reactivate this account. After XXXX phone calls, an hour and being told all different things and being hung up on.

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 2022-09-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX accounts Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  NA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX NA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXXE XXXX : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX  BA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX accounts Account Name XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX ACCOUNT S Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion accounts Account Name : XXXX Date : XX/XX/XXXX Account Name : CXXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date XXXX XX/XX/XXXX Account Name : XXXX Date XXXX XX/XX/XXXX Account Name : XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/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 XXXX 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.

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 2022-09-21 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: GA

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. 

Experian accounts Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX NA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  NA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX accounts Account Name XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX ACCOUNT XXXX Date : XX/XX/XXXX Account Name : XXXX BANK Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX accounts Account Name : XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXXK Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date XXXX XX/XX/XXXX Account Name XXXX XXXX Date XXXX XX/XX/XXXX Account Name XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/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 XXXX 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.

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 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello I would like to file a complaint against paypal. They put a hold on our account for XXXX days. They would not release the money to us after telling me several times in phone calls it would be available to me come XXXX. Well a month ago we noticed they just took our money and told us they it is due to them for whatever reason. NO company what so ever should be taking hard earned money from other people. We have done nothing wrong and its not right for institutions to just take peoples money and think its ok. I do know that paypal has done this to tons of people. We did a post on paypal on XXXX and i can send a screenshot but you would be surprised at the likes and shares it got. we have over XXXX shares and we have had tons of people come to us about them doing the same thing. I figured i would try filing a complaint here first and see what can be done because again it is not ok for any company to just steal peoples money and take advantage of people. if you think we did something wrong then block us from your service and never let us use it again but it is NEVER OK to take someone elses money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: ONLINE Information Services, Inc.
State: AR

Complaint narrative:
On Monday XX/XX/2022 Online Info Services Called my Phone requesting to verify personal information such as First and Last name, address and Social Security. I have never done business with Online Information Services for them to ask such questions. I believe they were a third party debt collector facilitating a debt for another 's behalf. I called the company to resolve the matter but the company insisted they send me a dispute packet due to their company policy. When I asked them if they where FCRA compliant the company responded the packet would need to be filled out and returned with a identity theft police report before they could open a dispute. In many ways I believe my consumer rights, protected by Federal Law has been violated. I have attached a FTC Identity Theft Report number ( XXXX ) along with a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im made a XXXX payment using chase online. Goods were never rendered and Chase refuses to return my money. XXXX transaction was for the amount of {$150.00} and another transaction for the amount of {$23.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: NJ

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: DISCOVER BANK
State: OH

Complaint narrative:
I called into the service department months ago and I was asked about some charges that appeared on my student discover card. Those charges were not mine and they were disputed and taken care of. I then realized that fraudulent charges were on my card ranging back to XXXX of 2022. I submitted another dispute for each charge and they came back and declined those disputes. They basically said that I was making charges or still using my card in between the disputed charges. I already told Discover card that my credit card was never stolen, but someone had to have access to my credit card information. So I can see how this could easily happen. With that being the case I never noticed charges that showed up on my account that weren't mine. I'm a college student. This is my first credit card and I was unaware of how to check my account and was not checking it regularly. They also implied that I waited too long to dispute these charges. 

There are about {$800.00} in unauthorized charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: I.C. System, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I opened a letter from IC systems telling me I needed to pay XXXX dollars for a debt owed to XXXX  internet. 

I was completely unaware of this debt, and upon confirming with XXXX  I paid that debt with them that same day on that same phone call. I was then informed a letter would be sent to IC systems that the debt had been paid. 

On XX/XX/XXXX XXXX received notice I had negative activity on my XXXX and XXXX credit reports, it was an open collections from IC system 's for a debt I had paid. I immediately disputed with XXXX and they have removed both the open balance and the collections notice from my credit report, XXXX is stating after my dispute that their information is accurate and I have an open collections debt. 

When I called XXXX on XX/XX/XXXX asking if they had sent the letter to IC systems telling them the debt had been paid they told me it had not yet been sent, but it would get to them within 60 days. 

My credit has been immaculate, I've never missed a payment, am in good standing with all of my creditors and don't believe XXXX got this right. I am potentially moving states for a new job and this negative impact on my credit will greatly affect my life.

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 2022-09-21 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: CA

Complaint narrative:
On XX/XX/XXXX of 2022. An authorized charge was placed on my Chase Freedom XXXX Credit Card for the amount of XXXX dollars. The charge was made online at XXXX ( XXXX XXXX XXXX XXXX # XXXX. Address XXXX XXXX XXXX XXXX XXXX CA XXXX. ) store, the transaction include household items and a can beverage cooler worth XXXX for delivery. The thief included his phone number and address! The person put this phone # on the record ( XXXX ) and used this address XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, CA XXXX for delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I recently filed bankruptcy. It was discharged on XX/XX/2022 and I still have to credit cards that were included in my bankruptcy that are on my credit report which is hurting my credit and making it hard to rebuild my credit. I disputed them on experian and all that was changed was a note with the bankruptcy. They are still in my credit report when they should not be. The creditor is XXXX XXXX for {$2500.00} and XXXX XXXX  XXXX for {$500.00}

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 2022-09-21 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: NV

Complaint narrative:
I have a checking account with Chime. 
On Saturday the XXXX of XXXX I woke up to notifications letting me know that 4 transactions had processed from a XXXX company named XXXX XXXX XXXX, each for {$30.00}. I also had two text messages from the fruad department asking if I had authorized two of the transactions and I texted back " no '' and received a text that said this transaction had been declined and no money had been taken ( the only charge it denied was one for {$10.00} ). I locked my card and called customer service to report the fraudulent charges and was told that the representative had canceled them, that they should not go past the " processing '' phase and if they do then I needed to call back. They asked me if I wanted to have a new card issued and I told them yes, so that representative canceled the card I had and put in the order to issue me a new card. 
On Monday the XXXX around XXXX I checked my bank account and saw that they had fully processed, so I called customer service again and filed a claim for the fraudulent charges, letting them know of my previous conversation with one of their representatives. While answering their questions I informed them that I had never heard of this company before and had not used my card for a few days, that when the transactions occurred I was asleep and I notified their company as soon as I saw the charge notifications. They informed me that the claim had been filed ( # XXXX ) and I would recieve an email letting me know the companies decision. Later that day I received an email telling me that the company had determined the charges to be legitimate charges and the claim had been closed. So I called the customer service department again and told them about this and that I would like to reopen the claim, to which I was told had to be done by emailing the support email. I immediately wrote the email telling them all of the information that I had previously told the customer service representatives and stating that I didn't approve these transactions, that I had never heard of the company before as well as informing them that I can not afford to have the {$120.00} taken from me for transactions I did not do. I woke up to an email today ( the XXXX of XXXX ) telling me once again they determined the transactions to be valid and that I can request the documents they used to make their decision. 
I will include the transactions from my bank account and the emails recieved/sent to chime support. The transactions themselves show that 3 of them happened at the same time with the 4th happening a minute later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TX

Complaint narrative:
Unauthorized credit inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XXXX the XXXX I sent money transfer # XXXX. On XXXX the XXXX when the receiver tried to collect the money she was told an error had occurred and that the money was returned to the sender. MoneyGram online system meanwhile shows the money transfer as completed and paid to the receiver. I opened up case # XXXX and also called MoneyGram to discuss the issue. MoneyGram insists the money has been paid. I know the receiver well and have sent her numerous transfers in the last three years without issues. The same problem happened with another transfer # XXXX sent in XXXX. For that transfer MoneyGram eventually paid and refunded the money. I know the outcome is wrong but the agent insisted the money had not been paid though it was paid. I have an email from MoneyGram showing the transfer was paid on XX/XX/XXXX. There is something wrong with MoneyGram systems but they refuse to listen or investigate these occurrences in their systems. It appears their online system and main system get out of sync in regards to the status of a transfer. The MoneyGram case # for XXXX is # XXXX. For XXXX it is case # XXXX.

Company response to consumer: Closed with monetary relief