vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
Signed up for Cashapp, which is a XXXX company, in XX/XX/2022. My very first transaction using this service was fraudulent, so I filed an issue that the person who I'd sent money to had defrauded me. 

It wasn't much money ( {$30.00} ) but that is a poor way to start off with a financial services company so I contacted them and asked them to close my account, specifically because I don't trust them with my banking info. 

XXXX/CashApp has failed to delete my personal information even though I've requested them to. In addition, the only way to deal with them is through the app, which I will not reinstall because I do not trust them, or to deal with them through various social media platforms, which I don't use, either.

I am thoroughly convinced that CashApp 's sole purpose is to facilitate fraud. Not intentionally, but its poor procedures and terrible customer service have made this company a fraudster 's paradise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I realized my CD was automatically renewed at 0.05 % and called to have the money withdrawn, account closed and I would pay the fees for the closure I was told that I could not do any of this by phone or online and would need to make a personal visit.

the nearest bank is over 30 minute drive for me and I am not able to make a personal visit at this time and feel they are holding my money and limiting my access unnecessarily finally they offered to let me fax a request- if its notiarized and I suspect of the the entire process and bank at this point

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 2023-04-08 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX 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 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 2023-04-08 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: PA

Complaint narrative:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$3000.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} 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 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 2023-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I opened a paypal account to do business. I had a client send me {$1500.00} for future products. It took PayPal 3 weeks to make the money available and I lost the client. So I sent the money back to client. Paypal has chose to keep the clients money. I have repeatedly tried to close the account and they refuse to close the account. They still have all {$1500.00} and say it permanently not going to clear. This is on multiple messages from paypal XXXX How can they keep the money legally. I wish to close my account and have the money sent back to the original person that sent it to me. This is really dumb. They accepted the money and want to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX has been notified by XXXX, as well as me, on more than one occasion involving account # XXXX from XXXXXXXX XXXX to date of this complaint. Also Spring Oaks Capital LLC has been notified as well. Most recentIy, see XXXX  Dispute Report # XXXX. However, XXXX XXXX & Spring Oaks Capital LLC keep reporting these accounts of {$180.00} & {$1600.00} past due ' to the 3 major credit bureaus. Last date reported was XX/XX/XXXX, XXXX i I have been a victim of identity theft and have no knowledge of these accounts. All of my personal info including drivers license number, ssn, d.o.b., address, phone #, etc has been compromised in at least three major data breaches and has been sold on the dark web. I have already filed an identity theft report with the FTC a few years ago about this. This is not my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/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 2023-04-08 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: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2023, I received a call from XXXX saying that someone had placed three orders on XXXX with a credit card associated with my XXXX account, but with an email address and phone number that did not match my account. I confirmed that I had not made the purchases and they were able to cancel one of the orders before it was processed. I immediately called TD Bank and cancelled my credit card and reported two fraud charges- one for {$1400.00} and another for {$1300.00} ( totaling {$2800.00} ). I did not hear anything else from TD until XX/XX/XXXX when I received a letter ( attached ) saying that my fraud claim was denied because they claim the CVV provided for the purchase was correct ( which is possible to accomplish with identity theft ) and because there was " unclaimed activity after the fraud began ''. I later found out that the charge for {$1300.00} was not included on the initial claim, which I believe was the reason that this fraudulent charge was considered " unclaimed activity. '' In addition, the total amount in the claim was completely incorrect. When I pointed these discrepancies out to TD, I was told that they did not matter because I had a prior relationship with Apple because I purchased something from their website over a year ago. I refiled the claim for the correct amount, but the {$1400.00} portion was immediately denied because it had been part of the initial, improperly filed claim, and the other portion was subsequently denied presumably because TD had already wrongly judged it as " unclaimed '' non-fraudulent activity. I have since also filed a police report ( attached ) for the charges and associated identity theft with the XXXX XXXX Police Department in XXXX, NJ, where the fraudulent orders were placed for pick-up at the Apple store. The police are currently investigating my case. TD has repeatedly told me that they do not believe fraud occurred and they are unwilling to do anything besides refile the claim, which results in an almost immediate denial since some steps of their claim process seem to be automated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-08 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: NV

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any account which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Here is the list of account that I wanted to remove. 
XXXX XXXX XXXX Balance : {$850.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08 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: NV

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any account which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Here is the list of account that I wanted to remove. 
XXXX XXXX XXXX Balance : {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: NY

Complaint narrative:
to Whom it may concern, In accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXAccount # XXXX has violated my rights. 

In accordance with 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.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Never gave Navient consent to report on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: VT

Complaint narrative:
Hello. On XX/XX/2023 I received an email from Experian claiming that I had two ( 2 ) accounts listed on their boost program, which is supposed to increase your credit score. The email stated that these two boost  accounts, XXXX and XXXX would be removed within 14 days, and my credit score would drop if I did not take action now. It asked me to remove, which ever subscription I no longer use, which was my XXXX, which I did. Subsequently, Experian dropped my score by XXXX points within two seconds. I am a senior who is trying to currently increase my credit scores, assuming that Experian was going to help me with their boost program, and instead of boosting, they damaged my Experian score. Additionally, I reached out to their contact center to discuss my dismay with the way they are sending unclear and threatening messages to seniors in order for them to take actions which end up hurting their credit. The representative spoke with me for about 10 minutes, could not do anything for me, I asked to speak to her supervisor, she left me on hold for 10 minutes and then the line dropped. This is an all too common occurrence with these call centers when they dont want to deal with a difficult topic but I am begging you for help to fix this injustice. You can not send out emails threatening credit scores, unless action is taken, and then take recommended action, and then get instantly penalized for said action. Please please please help me to get my credit score raised back to where it was prior to this scam/misleading email sent by Experian. I am trying so hard to increase my credit score in order to be able to afford the necessary things in life. I am a XXXX person, and it is hard enough to balance, doctors, prescriptions, and food, all while trying to provide a better life for myself via a better credit score. Thank you in advance for your help.

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 2023-04-08 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: NV

Complaint narrative:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. 
According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general -- A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Experian is reporting late payments from ( XXXX XXXXXXXX XXXX, XXXX ) 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Experian written instructions to report anything to my consumer report, let alone this late payments/utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america acknowledged my first complaint emailed me once to call then ignored all my attempts to communicate with them about the issue. They denied my claim again without proof and without ever speaking to me after about a dozen attempts. I called and emailed without any repsonse and they ignored me. They continue to refuse my fraud claim fore baseless reasons

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 2023-04-08 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had FIVE late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: NV

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 : XXXXXXXX XXXX  XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX retailer Account name : XXXXXXXX XXXX violates 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 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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