vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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: TX

Complaint narrative:
Hi, On XX/XX/2021, I received multiple email notifications for multiple transactions within a couple minutes using my Chase XXXX and XXXX cards through my Amazon XXXX account for a total amount of {$1000.00} in 6 transactions. I immediately reported the incident to Amazon, Chase and XXXX XXXX, blocked my cards, ordered new cards, changed passwords etc. Amazon 's response was like - " not our responsibility.. we don't care.. talk to your bank. '' XXXX and Chase, after their investigations concluded that those were frauds and credit the money back in my accounts. However, Chase rebilled me for 2 of those transactions ( {$300.00} in total ) in the next statement saying that " after their investigation they concluded that those were valid transactions. '' I have provided Chase multiple times all the proofs they asked for, including my Amazon order history, but the investigation seems to be going nowhere -- as if they've already made up their mind. Most recently, I had emailed them all the proofs they had asked for a week ago on the email provided by their rep ( XXXX ) and followed up today as I hadn't heard back from them. I was told they never received the documents and asked to send docs again and wait another 7 business days for them to investigate the case. I've resent everything but what if I hear the same response again next week? 
i am approaching my pay by date, to which the rep suggested that I at least pay the minimum due balance to avoid any late fee. So I raised my concern about not paying the balance in full hurting my credit score, to which the rep said " that's up to your discretion. '' basically what he meant was " that's your problem, we don't care. '' It seems beyond logic to me how they decided that only 2 of the transactions were valid and the rest weren't. I've had so much back-and-forth with them that it almost feels like a mental harassment. 
I kindly request CFPB to look into this. I've attached some documents to support my case and I'm happy to provide any other information needed from me. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX have a collection from XXXX collections agency. 

I do not owe this company any money. They bought a old debt that does not belong to me. 

I already requested XXXX to remove off my credit report. Which it was remove from XXXX  and XXXX. But transunion has not removed

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 2022-02-18 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: GA

Complaint narrative:
Ive been disputing information that has been reporting in correct on my credit report. Name, address, repos, numbers of inquiries, jobs. Ive even mentioned the letters that I e gotten in the mail in regards to there in a security breach and that my personal information had been exposed and possible used. Almost three years and no one has not done anything but update the account the wrong way with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize to consent to nor benefit from the listed account ( XXXX ). Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: NV

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the listed account ( s ). Block and Remove

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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I logged in and checked my account and noticed that it was overdrawn by {$1400.00}. I called and was told by a representative that as a courtesy the gave me a credit of my estimated child tax refund when my account was overdrawn on multiple occasions ( never authorized by me ) and yea hen came to debit it back from my account in XXXX ( Also never authorized by me ) They claim they mailed me a letter but again I never authorized this service or program and how would they know if I was even using my account for tax refund purposes or if I was even allowed a credit this year. I never gave Navy FCU permission to credit, debit or participate in a program that would give me temporary credit. I am extremely upset and now forced to pay back something I never agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: WA

Complaint narrative:
I viewed my credit report back in XX/XX/XXXX and noticed an account on my Equifax and XXXX credit reports that I did not consent to, authorize nor benefit from the account, The account is with TDRCS/MOR FURNITURE FO. The credit limit is {$5700.00}, the highest balance was {$2900.00} and the balance is {$1400.00}. I submitted a FTC Report to both Equifax and XXXX in XX/XX/XXXX and XX/XX/XXXX, however the did not block and remove the account nor did they provide me with competent evidence that I have any legal obligation to pay TDRCS/MOR FURNITURE FO. Therefore they are reporting invalidated and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( XXXX ). Block and Remove

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 2022-02-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I sent a dispute to Equifax requesting a reinvestigation AND Method of Verification about the following account XXXX XXXX XXXX XXXX dated ( Account Number XXXX ; Opened XXXX, XXXX ; Balance {$960.00} ). Equifax just sent me automated reply without providing proof of " Method of Verification ''. I have requested Equifax method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not authorize to consent nor benefit from the listed account ( XXXX ). Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did authorize to consent nor benefit from the listed account ( XXXX ). Block and Remove

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 2022-02-18 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
XXXXXXXX XXXX case # XXXX. 
Account # XXXX XXXX XXXX  is charging me {$350.00} for a service I cancelled and was not using. I have reached out to the company on multiple occasions. 
I am currently contacting the police to get data from the XXXX XXXX towers. To show that their wifi has not been in use. I am contacting my brother who is in XXXX to provide proof of when he started service with XXXX  at our home. I am also waiting on XXXX to send the billing statements as a courtesy to show proof that I never missed a payment since 2017. I also have an email proving I said to cancel and also a shipping label that they sent out for their equipment, yet I was still being charged for this account. No one cares to assist me with this issue at the XXXX XXXX company. They stated to me we dont see a cancellation call request. Despite of all this proof and evidence. Im escalating it now. This {$350.00} is an unjust charge.

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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize to consent nor benefit from the listed account ( s ). Block and Remove

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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize consent nor benefit from the listed account ( XXXX ). Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize consent to nor benefited from any listed account ( XXXX ). Block and Remove

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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize consent nor benefited from the following account ( s ). Block and Remove

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the XXXX XXXX XXXX, please review the enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a link text from wells Fargo saying someone tried longing in my account ended up being a scam

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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize consent to nor benefit from any of the following account ( s ). Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX this is my third attempt trying to obtain my consumer report from TransUnion. I am using the CFPB in hopes to obtain my consumer file and report from TransUnion.

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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize consent to nor benefit from any of the following account ( XXXX ). Block and Remove

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 2022-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AP

Complaint narrative:
XX/XX/2022, I sent a friend {$1000.00} using PayPal. PayPal decided it was suspicious activity and put a freeze on my friend 's account. 

I asked my friend to refund the money and I would try a wire transfer through my bank instead. 

My friend was unable to initiate a refund. When PayPal puts a freeze on an account they take away the option to refund a payment. 

They asked my friend to provide several documents to prove legitimacy and decided they did not like what was provided and permanently closed my friend 's account on XX/XX/2022. 

Instead of sending the {$1000.00} back to me as the originator, PayPal has simply kept the money. 

I have called several times and only gotten automatic voice messages without ever reaching an actual person. 

I have left them messages and their response was my friend must provide the documentation to clear their account. They refused to initiate a refund and said that was not possible. 

They literally have {$1000.00} of my money that never reached the intended recipient and instead of returning it to me, the sender, they are keeping it. I don't know how this is even legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp
State: NY

Complaint narrative:
On XX/XX/2022 I sent via certified mail a request for a security freeze to Contemporary Information Corporation with a copy of my driver 's license and recent utility bill. CIC has refused my request asking for my social security number which I am not required to give.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize to consent to nor benefit from the following account ( s ). Block and Remove.

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 2022-02-18 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: WA

Complaint narrative:
I viewed my credit report back in XX/XX/XXXX and noticed an account on my XXXX and Experian credit reports that I did not consent to, authorize nor benefit from the account, The account is with XXXX XXXX XXXX. The credit limit is {$5700.00}, the highest balance was {$2900.00} and the balance is {$1400.00}. I submitted a FTC Report to both XXXX and Experian in XX/XX/XXXX and XX/XX/XXXX, however the did not block and remove the account nor did they provide me with competent evidence that I have any legal obligation to pay XXXX XXXX XXXX. Therefore they are reporting invalidated and inaccurate information 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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize to consent to nor benefit from the following account ( s ). Block and Remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from any of the listed account ( XXXX ). Block and Remove

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