vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15U.S.C.1681Section 604 ( a ) Section 2. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
Account Number : XXXX XXXX filed in XXXX, Texas. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX. 
15 U.S.C. 1682 Section-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 explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A refund from an overpayment on my credit card was approved XX/XX/2023.1 spoke to customer service on XX/XX/XXXX the minute I saw the double debit from my checking account. I still had not received it by XX/XX/2023. I've called 5 different days since XX/XX/XXXX when this started, spoken to 9 different people in 5 different departments, been hung up on once, have been told wow, that's a long time, just wait another day twice, that the money moves slowly because it isn't going to a Bank of America checking account. Are there different wires? Because it comes OUT of my account within 24 hours! It's XXXX, and an ACH transfer. They told me on XX/XX/2023, that I'd have my money back in my account within 24-48hrs, then again XX/XX/XXXX, again on XX/XX/2023 another 7-10 days because they sent my refund back to the wrong account. I spent an hour and a half on the phone with XXXX XXXX  ( where I have my checking account ) and they went above and beyond to help me, no record of any money being returned to me. 
Regulation Z requires that Bank of America : " Credit the amount to the consumer 's account. 
Refund any part of the remaining credit balance within seven business days from receiving a written request from the consumer. '' Bank of America doesn't allow written requests anywhere on their website, you only list phone numbers of departments and a vague address of headquarters. I finally was able to get someone via XXXX XXXX to create a secure chat, in which I gave them my routing and account numbers, XX/XX/2023, a whole month after the credit was marked as posted, but I still have not received it. The routing number was completely wrong, which I finally made them check and tell me what the routing number was on XX/XX/23, it started with a XXXX  and I knew right away Bank of America had messed up. Bank of America is holding onto almost {$1400.00} that I want back with my missed interest accrual. I have spent hours upon hours trying to get my money back when the original representative at Bank of America on XX/XX/23 put in the wrong routing number, no one at Bank of America could figure that out until I asked them to look? And I still don't have my money back, 3 months later. I have been more than patient.

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 monetary relief
Consumer complaint received 2023-05-15 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: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
I noticed that my XXXX credit report shows an inquiry from a company I have no recollection of ever doing business with. I did not submit my information to have my credit Ran & I am so upset right now. The company name is XXXXCROSSCOUNTRY MORTGA on XXXX. I am very selective of my credit being ran & I have no need for it to be run as I have everything that I need. Hopefully this company doesnt do this to others as its not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX who said he is working for XXXX which involved me making deposits for a total amount of XXXX ETH from my Gemini account to a fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 non-monetary relief
Consumer complaint received 2023-05-15 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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. 

Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 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 2023-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: AL

Complaint narrative:
Last year I was low on funds for my XXXX birthday I decided to go to title max for a title loan that was XX/XX/2022 I qualified for XXXX but only got XXXX a couple months went by of me paying XXXX every month I notice on the billing app that my balance wasn't changing so I called to ask why was that I was told that the XXXX was just to hold the title and nothing else and if I wanted to make the balance go down I would have to pay more than XXXX at this point I'm in shock cause I have had a title pawn before and only had to pay XXXX extra dollars plus the money I borrowed that's it so the lady apologize for the for not explaining it to me fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I canceled service with XXXX XXXX XXXX XXXX in XXXX in XXXX XXXX  XXXX due to relocating to XXXX. The outstanding equipment was dropped off at the XXXX store on XX/XX/XXXX via tracking number XXXX and was confirmed as received by XXXX in early XXXX. I believed the account to be settled and closed and received no further mail from XXXX regarding a past-due amount. A collection account appeared on my credit report in early XXXX from collection agency XXXX XXXX XXXX XXXX XXXX for an outstanding balance from XXXX. I checked the XXXX account and found the equipment had been credited, then re-charged during a billing period of XX/XX/XXXX, XXXX XX/XX/XXXX ( when the account was no longer active ). I found it strange that the collection account was reported before the end of this billing period. I disputed with the credit bureau and the reporting disappeared. In XX/XX/XXXX, the collection appeared again on my credit report. I contacted XXXX directly requesting an explanation and providing the tracking information for the returned equipment. The representative confirmed the equipment was returned and credited and there was no further balance due on the account. The collection account fell off again until XX/XX/XXXX. In early XX/XX/XXXX, XXXX sent an automated email that they have transferred the account to Radius Global Solutions, LLC to collect the alleged debt. This is the second collection agency they have transferred this erroneous debt, after confirming the equipment was received and there was no further balance owed on the account on their end.

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 2023-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: GA

Complaint narrative:
In XXXX, 2022, We ordered furniture and it was sent to us. this is a online company. Conn Furniture who really did Conn us. they sent a broken living room set and charge us XXXX we request for someone to come from there company to look at it. he reported it in need of repair and to be replace. They refuse to take this broken living room set that we set picture and reported it several times and gave us bad credit on this. So I'm not paying for a use broken couch so they call my number everyday on the hour on sat and Sunday and late at night. to get me to pay. customer service will not talk to me. just send a robo call to consistently harass us with calls. I ask them to come and pick this couch up and they said they don't take returns, but someone did return it because its so horrible that you cant sit on it.they came out 2 times and reported that I need a new couch and they refuse to fix it just call and call for payment. its not fair. I did not ask for a use sofa. and We call them to return it back in 2 weeks after it was delivered and they also have a extra warranty on the account. this people act like the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/23 - attempted to deposit {$450.00} at Wells Fargo ATM. ATM said it could not accept the bills. Returned one {$50.00} bill. Did not return the remaining {$400.00}. ATM froze and did not return debit card either. 
Went inside to branch - no help. Handed card with standard Wells Fargo phone number. 
Called. Filed claim. Representative would not credit more than XXXX cent to my account. Asked if I would be reimbursed for penalties acquired due to lack of funds in the account for upcoming bill withdrawals. She did not provide an answer. 
It has been one week and I have received no update on my missing {$400.00} deposit due to no fault of my own.

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 2023-05-15 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: CA

Complaint narrative:
It has come to my knowledge that my credit report has inaccuracies. Several inquiries on my current credit report are inaccurate, and need to be removed asap! 

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 explanation
Consumer complaint received 2023-05-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Sapphire card ending in XXXX. 

Made a Chase XXXX reservation of {$50.00} in XX/XX/XXXX, reservation code XXXX, used Chase card ending XXXX for payment. 
Closed the Chase card used in this reservation in XX/XX/XXXX 
Travel reservation was cancelled for a full refund in XX/XX/XXXX, and the amount {$50.00} was refunded to card. 
I asked Chase customer service what will happen since the refund went to a closed card and was told I should get a check refund in 3 months ( XX/XX/XXXX ). 

We are in XX/XX/XXXX, and there is no sign of the {$50.00} refund. 

I contacted Chase, spoke with a manager, and she does not see the refund. 
I contacted Chase XXXX, spoke with a supervisor, and he confirms the {$50.00} refund was issued back to card used for payment ( ending in XXXX ). 

Nobody knows where my refund of {$50.00} is. 
Where is it, who is holding it and not contacting me to refund?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently recieved my credit report and noticed a late payment from XXXX on my equifax report. XXXX is in clear violation of consumer rights law according to Fair Credit Reporting Act 15 USC 1681 b, permissable purpose of a consumer report. I have never given XXXX the authorization w/ written instruction to report any type of transaction. This late payment should be excluded from report according to 15 USC 1681 2 A:1

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: PA

Complaint narrative:
15 U.S. Code $ 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 identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-05-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is a fraudulent account that was reported back in 2021. This account was removed from my report but appears to have been sold to another collection agency called XXXX XXXX. Under the Fraud debt collection practice act it is a violation to collect on an account that was previously reported as fraudulent. I am notifying you that this account must be removed immediately removed based on the aforementioned information. A report affidavit is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is a fraudulent account that was reported back in 2021. This account was removed from my report but appears to have been sold to another collection agency called XXXX XXXX. Under the Fraud debt collection practice act it is a violation to collect on an account that was previously reported as fraudulent. I am notifying you that this account must be removed immediately removed based on the aforementioned information. A report affidavit is 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 2023-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
An account was opened fraudulently under my name with Chime - Online Banking. I have since contacted them and they confirmed that the account has been closed. I was later notified by my employer that due to a cyber breach with the employee website and my direct deposit pay was diverted to the fraudulently opened account. I was able to track that funds were deposited on XXXX XXXX and XXXX XXXX. I have tried to reach out the bank by phone and email several times to request an investigation to be opened and that they return the funds to my employer but they are sending me in circles. Phone calls with multiple member service agents ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to name a few ) between XXXX XXXX and XXXX XXXX all conclude in they can not help me since I can not provide the email address. Since the bank account was not opened by me I have no way of providing that information. They advise that I email the support team so that they can open an investigation. Emails have been sent from XXXX XXXX to XXXX XXXX and I am mostly getting generic email responses where they ask that I send an email with the email associated with the account, which I do not have, or call their member service, which I have as mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: TX

Complaint narrative:
Please remove the account XXXX XXXX XXXX XXXX from my XXXX, XXXX, and Equifax credit reports due to inaccurate reporting. The credit reporting agencies are reporting an incorrect balance and the date that the account was charged and sold off is incorrect and according to FCRA this incorrect reporting is grounds for the removal of the account. I will attach a copy of the notice from the original creditor with the correct balance and date of charge off. Also, this balance was taken care of with the original creditor because I had no knowledge that the account was sold. The account with the original creditor is also still reporting on my account which is also a violation as well as double jeopardy. Please remove XXXX XXXX XXXX XXXX from my credit report immediately.

Company response to consumer: Closed with explanation