vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.

Complaint narrative:
First we got call from named XXXX XXXX my wife have some amount in her XXXX account which she has invest XXXX in XXXX which almost XXXX USD right now.We explained him we got no knowledge about crypto and he told us that he will help to withdraw that money, he told us to download XXXX & XXXX XXXX after that he told me to transfer fund to release above amount which I did, After that blockchain got involved they keep forcing us to make payment to release our fund they told us that amount is getting bigger same story to release fund we need to cash flow/liquidity transfer/mirror transactions etc they took our nearly total XXXX but still blockchain are sending us email saying we have above XXXX in blockchain wallet and forcing us to pay them another XXXX to release that above amount. At the end I think we got scammed. Please help us. 
Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MD

Complaint narrative:
I settled & paid off a debt owed for my XXXX credit card back in XX/XX/XXXX with the debt collection agency at the time. The company name was XXXX XXXX XXXX, XXXX. The account was discharged and released off of my credit report. 

In XXXX, Jefferson Capital Systems acquired my information from XXXX XXXX XXXX and began harassing me about the same debt which was paid in XXXX. Jefferson Capital Systems applied a derogatory mark on my consumer report for collection of this same paid-off debt. My credit score dropped XXXX points due to this. I am currently trying to resolve the matter with them but they are not responding swiftly or with any sense of urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NC

Complaint narrative:
On XX/XX/2023, I received an email notifying me that a XXXX account had been created using my email address, and seconds later I got a second email confirming my purchase for tickets using that XXXX account in the total amount of {$1800.00}. I knew I had not created this account and it had to be fraud, so in order to prevent the fraudulent parties from getting what they wanted, I went to XXXX  to attempt to reset the password to this fraudulent account, in order for me to get access to an account I had not set up and therefore didn't have the password to, so I could change the password and block the fraudulent parties 's access to that account. I set up a new password so I could then access the account. I first tried looking for a way in XXXX to cancel and return the tickets untouched, but there was no such option, so I immediately closed the XXXX account unused and called my credit card company, Chase, to report the fraud. In the months following, we had several calls with XXXX where they continued to state they were investigating my claim with statements that they would follow up with me within 24 to 48 hours with updates, which they never did. On XX/XX/XXXX, I received a letter from Chase that their findings were the charge was valid, so I contacted Chase and XXXX in tandem again to dispute the charge. On a subsequent call XX/XX/XXXX, XXXX admitted that the account was created fraudulently while Chase was on the line, but they never sent a confirmation email containing that statement on their letterhead as Chase required, nor did they issue a refund. On XX/XX/XXXX, I followed up again with Chase who informed me that I had to reach out to XXXX directly, which I did immediately. XXXX claimed that they'd won the chargeback claim that Chase issued, that the bank ( i.e. Chase ) agreed with XXXX that this transaction was not fraudulent, and that no refund would be issued. According to XXXX, part of their " Riskified '' process to prevent fraud was to send a text message to the account holder, and once that message was responded to with an approval, that validated the account. I stated to XXXX  that I received no such text message, and when asked what phone number XXXX used to send this supposed message, they said they had no record of the phone number used to send this text message. I did NOT create this fraudulent account. I did NOT purchase these tickets from XXXX. I do NOT agree with the decision rendered by XXXX or Chase, and I am filing a police report for this fraudulent charge in combination with this complaint. I intend to take legal action absent a timely refund for this fraudulent charge. I can provide records of the above actions upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
The car loan, amount for {$31000.00} was paid off by XXXX XXXX XXXX XXXX XX/XX/XXXX to Ally Bank. The check was not found by Ally Bank. The XXXX XXXX Sent another check for the {$31000.00} with additional amount to pay for charges of {$160.00} XX/XX/XXXX, I called Ally Bank to request the title for the car. Ally Bank refused to send the title and wanted us to make additional payments. 
The car loan is paid off to them. See the copy of the checks attached below. 
They have reported my name to the Credit Bureau late for the month of XXXX, XXXX, XXXX and XXXX of this year. 

Thank you for your attention in this matter XXXX XXXX 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 2023-05-03 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: FL

Complaint narrative:
On XX/XX/XXXX I purchased a Brand New XXXX Vehicle from XXXX  XXXX XXXX, my business with the dealership was finished and completed and I drove the car home, but XXXX month later on XX/XX/XXXX XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report Twice in one day WITHOUT MY PERMISSION, and because of it my Credit Score went down XXXX points causing me damages. I have asked Equifax Reporting Company to remove such unauthorized Fraudulent Inquiries from my Credit File but nothing, they completely disregard my claim. Their behavior is abusive and a clear VIOLATION of The Fair Credit Reporting Act, which specifically states Hard Inquiries can not occur without permission XXXX XXXX XXXX does not have my permission to run my credit six months after my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a Capital One credit card in the mail. I did not apply for the card it came without my knowledge of its existence. I have tried 4 different times to cancel the card with Capital one and they refuse to cancel the card and even refuse to transfer me to a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: FL

Complaint narrative:
On XX/XX/XXXX I purchased a Brand New XXXX Vehicle from XXXX XXXXXXXX XXXX, my business with the dealership was finished and completed and I drove the car home, but six month later on XX/XX/XXXX XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report Twice in one day WITHOUT MY PERMISSION, and because of it my Credit Score went down XXXX points causing me damages. I have asked Experian Reporting Company to remove such unauthorized Fraudulent Inquiries from my Credit File but nothing, they completely disregard my claim. Their behavior is abusive and a clear VIOLATION of The Fair Credit Reporting Act, which specifically states Hard Inquiries can not occur without permission XXXX XXXX XXXX does not have my permission to run my credit six months after my purchase.

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 2023-05-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-03 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: OH

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX : XXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-03 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: OH

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX : XXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
It is Equifaxs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting two inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/ and XXXX 60 day late payment dated XX/XX/. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX  XXXX XXXX has confirmed that the account on their records is the result of identity theft and fraud. Unfortunately, our experience with XXXX and Early Warning Services has been nothing short of frustrating and disappointing. These agencies have been belligerent with our private and personal information and have refused to properly investigate and remove the fraudulent item from our records. 

Despite multiple attempts to reach out to XXXX and Early Warning Services, they have not provided us with a satisfactory response or conducted a proper investigation. This leaves us with no choice but to demand the removal of the fraudulent account from our profile. 

The actions of XXXX and Early Warning Services are in direct violation of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines, as specified in USC Title 15, Chapter 41 and 12 CFR Part 1022, respectively. These laws require that credit reporting agencies conduct a reasonable investigation of disputed information and promptly correct any errors or inaccuracies found. 

Furthermore, the failure of these agencies to comply with these laws not only puts consumers at risk of identity theft and fraud but also causes them significant harm and financial loss, which is a violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as specified in USC Title 15, Chapter 41, Subchapter II and 12 CFR Part 1005, respectively. 

As such, we demand that XXXX and Early Warning Services not only remove the fraudulent account from our profile but also provide compensation for the emotional distress and financial hardship caused by their negligence. We call upon these agencies to take immediate action to rectify the situation and comply with all legal requirements. We will not stop until our consumer rights are upheld, justice is served, and we are fully compensated for the harm caused by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they are not mine and I have no knowledge of them. I am invoking my right under USC 1681g to have these accounts deleted from my credit report within 15 days. Kindly refer to the documents attached for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Please see documents Attached

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 2023-05-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the statute regarding ID theft victims having information blocked from their reports, the statute requires the CRA 's to block the information within 4 business days, it's been longer than 4 business days!!

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX reported a fraudulent collection account from XXXX XXXX that was also reported by XXXX in XX/XX/2022. 

I have filed a dispute with XXXX and Transunion to have this file removed. My concern is that this has happened one year apart with two different companies for the XXXX fraudulent account. 

This lets me know that my information has been stolen, bought, and sold.

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 2023-05-03 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:
On XXXX XXXX, I began the process of working with a mortgage lender to purchase a new home. The loan officer told me that it was coming back as a foreclosure within the last 7 years when he ran my information through XXXX XXXX. I told him I never purchased a home before so I do not know what that is. On Monday, XX/XX/2023, the loan officer called me back and said XXXX XXXX told him it was XXXX account is causing foreclosure to trigger and it is ONLY TransUnion reporting the inaccuracy. The other 2 bureaus are reporting it correct as a installment account credit builder. When I contacted TransUnion, they told me they could not correct the account type on their end because the account is 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 explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
I kindly request that you remove the inaccurate account from my credit report. As shown in the attached documents, this account is not mine, and I did not authorize anyone to use it. Please take action to remove this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.

Company response to consumer: Closed with explanation