vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX XXXX Program Attention : Disputes XXXX XXXX XXXX XXXX, GA XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer may have given you whether written, unwritten, verbal and non-verbal per 15 USC 6802. 
XXXX is in violation of the following : 15 USC 1681b 604 ( a ) ( 2 ) 15 USC 6801 15 USC 1691 ( a ) 12 cfr 1002.2 ( c ) ( 1 ) ( ii ) EQUAL CREDIT OPPORTUNITY ACT ( Regulation B ) Per Internal Revenue Service publication 4681, canceled debts are considered income. A charge off is a debt that has been canceled, therefore the placement of this debt directly violates the FCRA which does not include income as permissible information. 
The Privacy Act of 1974 The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 
According to 15 USC 1692k, it is my right to pursue damages for civil liability for every instance of violation for this debt established in XXXX. I intend to pursue it. 



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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Over the past couple months, I booked many things for a trip with my United Explorer Credit Card specifically because of the travel cancellation insurance policy posted in the benefits section in my app which states that it covers non-refundable expenses for passenger fares, tours, and hotels. The bookings for my trip included 4 hotel stays, several trains and a tour. I did not purchase separate travel insurance or refundable stays because of the coverage I thought I had based on the posted information. 

On XX/XX/ the day of our departure, we had to cancel the trip due to a covered XXXX XXXX. When trying to begin the process to submit the insurance claim, I was informed by an agent working with the benefits partner that this only covers passengers fares and was send the real policy, which despite the information linked to my cards benefits breakdown through the Chase App, does not include hotels or tours. The information in their app is incredibly misleading and had the accurate policy been posted, I would have made different decisions when booking this trip. Due to the discrepancy in their coverage policies, I am out approximately {$2100.00} in non-refundable hotels and other items that are not covered. 

When trying to resolve this with the company, the travel claims company partnered with Chase, refers me to Chase. And when I call Chase for resolution, they refer me back to the claims provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
this inquiries are reported to my credit report by someone who has my identity and all my personal information. inquiries are 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 2023-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
XXXX XXXX was sent out of my cashapp account not by me Ive been going back and forth with cashapp about the money that was stolen they refused to give me my money back after two disputes I expressed I didnt complete this transaction and they keep saying I did which is impossible I wasnt even in the state where it was made and my grandma can testify I wasnt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four 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 non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2023 I paid off the Amount due of {$130.00} to XXXX balance on my Lowes/Synchrony account. In XX/XX/2023 I got a call from collection of the charge of {$75.00} that was late. At that time talking to fraud dept. I asked for it to be disputed to be started for I did not make the charge and at that time Lowes/Synchrony time closed my card and issue a new card. then the phone calls had begun some times up to 3 time a week each time I explain the problem to collection person and they when and checked on hold most case 20 to 45 minutes. I ask to be sent to fraud XXXX. and found out there had no be disputed filed again file aa dispute yup sad they did this when on until XX/XX/2023 they finely file a dispute they have until XX/XX/2023 to decide the out come. In the meant time they file report to credit companies of non payment on 30 day later and balance due credit score drop for XXXX to XXXX other companies cut lines of credit also. Lowes/Synchrony harassment , intimidation and just scare tactics to try to get amount paid no matter what and delaying to trying to get the customer to clean up their mess and pay the bill. They also did not follow Red. E requirements that is set in place by the Gov.

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 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
My credit got affected multiples occasion about this debt that is not mine and in the past has been removed from my credit report because I was victim of identity theft. but every 6 month again without any information the collection appears in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
I have never had an account with this company Jefferson Capital REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Jefferson Capital the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have attached the FTC identity theft report here. I have notified BOTH XXXX AND Experian multiple times stating that this is NOT MY ACCOUNT and it still remains on my credit report. Both XXXX and Experian are in VIOLATION of 15 U.S. Code S 1681c-2. " 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 identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.

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 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My accounts were being accessed by someone other then myself and i wanted to close accounts over the phone, they said i could not until i spoke with there security team who could not resolve the issues from the beginning. I have a terminal medical condition and try to avoid going physically areas with due to that fact that i am susceptible to becoming seriously ill. i do not wish to talk to there security team to simply close accounts and made multiple phone calls but it only ended in them taking in circles keeping me from closing my accounts and causing more stress then need be. There is not a significant amount of money in the accounts to begin with. Their systems put my personal information out to the world so i do not wish to bank with them anymore and just have my accounts closed that have been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/XXXX, I got instructions from roofing company to wire them {$6400.00}. I went to US bank branch and did so. 
After transaction, called the company and they told me it was fraud. Immediately, I came to branch and let them know. They called wiring department and let them know to not approve the transaction. The teller told me that, they were able to cancel it ( everything happened less than 10 minutes after transaction ). 
Afternoon around XXXX, I called wiring department to confirm as well, I was in line for a long time and finally a customer service answered and they told me money has gone. The customer service was rude and he hung up on me. 
Again I had to call again, be in the line for someone to respond, while time is essence. Finally someone helped me to file a swift back request for the receiving bank with no guarantee. 
US bank could stop this fraudulent wire, from the beginning that bank teller let them know within 10 minutes, from the wrong assurance that the transaction is stopped and then bad customer service representative who hung up on me, instead of acting fast. Very disappointed at US bank

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Telephone representatives that represent Synchrony Bank ( XXXX XXXX ) are refusing to give me access to my XXXX XXXX account so that I can make payments. After becoming ill ( and having to miss work for a time ) they locked my on-line account, and claimed a charge-off. I had already signed a prior contract to make payments of {$50.00} a month until the amount was paid off or caught up ; so they broke the contract, locked me out of my account; and as a result, my credit score is being negatively affected. I wish to have the account unblocked so that I can continue to get the account to a current state. They are engaged in unfair business practices.One should not have to argue to make payments on ones own account. The account is still active when they are claiming it's not. When I attempted to make a new account I received the message that I couldn't because their was already an account with my information. So they are actively lying. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
After careful review of my Credit Report the following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

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

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After careful review of my Credit Report the following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

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

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America was unable to recover a significant amount of lost funds from a scam I was involved in. I provided them with all of the information I could have, I also filed with the FBI and my local police. I have been with BOA for over 10 years, and have lost all of my savings. I thought BOA would have helped in anyway possible to ensure the safety of my money. They have done nothing to help me in any way except send me letters in the mail stating they were unable to recover the money.

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 2023-12-14 00:00:00
Product: Credit reporting 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: MS

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX submitted a complaint to the CFPB regarding consumer violations against XXXX XXXX. XXXX XXXX has deliberately and repeatedly violated consumer laws against XXXX XXXX and because of that XXXX XXXX requested that XXXX XXXX Cease and Desist any and all collection and communication activities against consumer XXXX XXXX to other third party entities. XXXX XXXX violated rights of consumer XXXX XXXX by reporting account in review as delinquent on XX/XX/XXXX ( 5 days later ) and deliberately and knowingly and intentionally bringing harm to the reputation of consumer 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