vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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: TN

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federaly protected consumer rights to privacy confidentiality Under 15 USC 1681. 

ACCOUNT NAME # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXXXXXX 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 604A section 2 : it also states a consumer reporting agency can not furnish an account without 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 conviction of crimes which antedates The report by more than seven years.

15 U.S.C 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 at XXXX XXXX I was alerted to a fraudulent charge on my debit account totaling {$370.00}. The charge was declined, and subsequently my debit card was cancelled. That day I reviewed my transactions and identified two more unauthorized transactions to which Chase credited my account {$250.00}. This claim is still currently active as of XX/XX/XXXX. 
On XX/XX/2023 at XXXX, I received a text alert regarding an unauthorized Chase XXXX transaction, to which I responded that I did not authorize the transaction. I then received a call at XXXX from what I recognized as the Chase Bank customer service support line at XXXX XXXX XXXX. The caller indicated my XXXX account linked to my Chase account had been compromised. They instructed that in order to intercept the {$1900.00} payment, I needed to authorize a XXXX " halt payment '' to XXXX. I followed the caller 's instructions with the intention of protecting the indicated amount ( {$1900.00} ). My call was transferred to the number XXXX listed as JPMorgan Chase. 
The connection for that call was lost at XXXX but the steps I'd taken evidently led to the payment of unknown individuals for an account whom I do not, nor does Chase Bank have any connection to. 
At XXXXXXXX XXXX I called the number back which was the Chase Customer Service line and immediately filed a claim to dispute the transaction. There was a claim submitted at that time indicating the fraudulent nature of the call however they did not initially report the recipient 's information. The recipient account has since closed it's XXXX account. 
On the morning of XX/XX/XXXX I filed a report with the federal trade commission report # XXXX. On the same day at XXXX I called to follow up on the disputed claim over the phone with Chase 's fraud department. They asked for the recipient 's number at this time. After providing further information regarding the claim, I was informed that the claim was denied on XX/XX/XXXX. No further steps were suggested other than to report through the XXXX app. I did not submit a report to this website as the Report Zelle Scam form online explicitly refuses to compensate victims of this type of crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
We received a Fraudulent e-mail which was imposing as an employee asking to Pay an Invoice. The money was wired on XXXX. We just realized it was a scam as the employee never requested the Invoice be paid, and the e-mail trail would not allow a reply to be sent. 
{$28000.00} was wired to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX email XXXX ( XXXX ) XXXX TD Bank XXXX : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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:
Hello, I sent a letter to XXXX XXXX asking them to validate an account they say I have Below. I sent them a letter on XX/XX/ which I also will be attaching below. It now has been over 30 day and I still have not gotten a response from XXXX XXXX. I would like for this company to provide a copy of my signature on any documents that holds me responsible for this alleged debt. I will also like for the company to cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 

XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act XXXXt Accounts : 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.

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 2023-02-28 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:
Hello, I sent a letter to XXXX XXXX asking them to validate an account they say I have Below. I sent them a letter on XX/XX/ which I also will be attaching below. It now has been over 30 day and I still have not gotten a response from XXXX XXXX. I would like for this company to provide a copy of my signature on any documents that holds me responsible for this alleged debt. I will also like for the company to cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 

XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act XXXX Accounts : 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.

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 2023-02-28 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I delivered four money orders payable to the order of American Express XXXX XXXX to apply toward the balance of both accounts ending in XXXX and XXXX. The money order was presented in the form of a payment coupon that is redeemable in U.S. dollars. American Express has accepted all forms of negotiable instruments through the payment coupons, and kept them, but refused to apply credit towards the accounts and neglecting Public Law 73-10 which states it's against public policy to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States XXXX HJR 192 clearly states that there is no lawful money to pay debts. House Joint Resolution 192 of 1933 further states that there is no money because the UNITED STATES and all municipalities are in bankruptcy and the only currency that exists is that of all the people 's credit. " The money ( Federal Reserve Notes ) will be worth XXXX XXXX on the dollar because it is backed by the credit of the nation. It will represent a mortgage on all the homes and other property of all the people in the nation. The money so issued will not have one penny of gold coverage behind it, because it is really not needed. '' HJR 192 provides a remedy to the American people for their loss by using their personal credit exemption exchange to discharge all debts public and private back to the UNITED STATES as secured party creditors in the bankruptcy. According to UCC 3-306 when a negotiable instrument is presented as a tender of payment and rejected by the person entitled to enforce it the debt is discharged. Also, 18USC8 says that coupons, federal reserve notes, bills, checks, or drafts of money are all obligations of the UNITED STATES. Being a secured party creditor, it's my right to use my private credit in exchange to discharge the debt owed by the debtor XXXX XXXX XXXX CESTUI QUE VIE TRUST. American Express is acting as Trustees that are required to have a fiduciary obligation to the trust and act in the best interest of the beneficiary XXXX XXXX of the family : XXXX. American Express has failed to fulfill its fiduciary obligation and is requesting payment that is already satisfied therefore committing Trust Fraud and malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
On XX/XX/XXXX we contacted PHH mortgage due to taxes not being in full and the funds needing to be sent overnight. Our checking account with XXXX bank had been garnished and negative {$1200.00}. The full amount deducted was {$1300.00}. We contacted XXXX XXXX XXXX department to find out what was going on and then contacted the mortgage company requesting for the funds in the amount of {$1200.00} be overnighted to XXXXXXXX XXXX XXXX department. The first representative we spoke to tried to say that they had no one we could speak to so that it could be expedited. We insisted on speaking to someone to further assist. We were transferred to the escalation line and spoke to XXXX, explaining that the full amount of the taxes were not paid and additional funds were due for the taxes that were now showing delinquent. We emailed the tax bill that XXXX XXXX XXXX department provided to us dated XX/XX/XXXX. We were told by XXXX it should take one to two business days. 
The next morning we checked the accounts and the other checking account with XXXX had been garnished and was showing negative {$1200.00} on XX/XX/XXXX as the funds in the amount of {$1200.00} for XXXX XXXX XXXX department was being deducted. We called PHH again and told them that our other account has now been hit. We expressed again how important it was to have the funds expedited. XXXX XXXX said they sent PHH the full tax bill of {$2300.00} in XX/XX/XXXX. I did have the homestead excemption that unfortunately was removed as XXXX XXXX stated they did not receive my form to keep it. They said they sent 2 more tax bills that we did not receive that showed the remaining amount of {$1200.00} as PHH did pay {$1100.00} per the first bill they received in XX/XX/XXXX. We have explained this to PHH multiple times. They keep saying the taxes need to be verified. Two tax bills have been emailed to them. My daughter works for XXXX. This needs to be rectified as the taxes are escrowed and we have been negatively impacted by this. We called again on XX/XX/XXXX and were told they are waiting to hear from XXXX as they already paid the taxes and the taxes are showing as being delinquent. We know this, we sent them that info. The taxes need to be paid immediately as we have expressed. Please help. We have XXXX negative checking accounts and items that would have been paid have been returned. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo is doing unauthorized withdrawals from my account and closing without informing me. They have gone through all of my disputes and reopened them after closing letters were sent out. They are not issuing credit for returns or fraud. I made an appointment with XXXX but XXXX showed up from XXXX branch and they started doing unauthorized withdrawals and closed the account. XXXX from XXXX illegally plugged my safe box when it was paid. They took valuables out of my box without notifying me. This has to stop.

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 2023-02-28 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: CA

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. 

XXXX / TransUnion / XXXX reported the following derogatory marks Account Info XXXX  : late payments Education Loan/Opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX late payments Education Loan/Opened XX/XX/XXXX XXXXt : late payments Education Loan/Opened XXXX XXXX XXXX XXXX XXXX : late payments Unsecured Loan/Opened XX/XX/XXXXXXXX XXXX XXXX XXXX late payments Unsecured Loan/Opened XXXX XXXX XXXX XXXX XXXX XXXX : in collections Collection/Opened XX/XX/XXXX Guideline/Rights Violated 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.

Fair Credit Reporting Act ( FCRA ) : This federal law regulates credit reporting agencies and ensures that the information in your credit report is accurate. In your complaint, you can cite specific sections of the FCRA that have been violated, such as failing to investigate disputed information, failing to correct errors, or failing to provide you with a free credit report once per year.

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 California Civil Code Section 1785.25 ( a ) New Mexico Statutes Annotated Section 57-12-3 ( B )

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 2023-02-28 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: CA

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. 

XXXX / XXXX / Equifax reported the following derogatory marks Account Info XXXX  : late payments Education Loan/Opened XXXX XXXX XXXX XXXX XXXX  XXXX late payments Education Loan/Opened XXXX XXXX XXXX XXXX : late payments Education Loan/Opened XXXX XXXX XXXX XXXX XXXX : late payments Unsecured Loan/Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  late payments Unsecured Loan/Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  : in collections Collection/Opened XX/XX/XXXX Guideline/Rights Violated 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. 

Fair Credit Reporting Act ( FCRA ) : This federal law regulates credit reporting agencies and ensures that the information in your credit report is accurate. In your complaint, you can cite specific sections of the FCRA that have been violated, such as failing to investigate disputed information, failing to correct errors, or failing to provide you with a free credit report once per year. 

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 California Civil Code Section 1785.25 ( a ) New Mexico Statutes Annotated Section 57-12-3 ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
I have gotten probably a call a week for the last few months, and I just did a credit report and I dont have any outstanding debt or collections after me. They never leave a message and when I call back its an automated message saying to standby

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I used CASHAPP To send XXXX. 
On XXXX XXXX XXXX I was contacted by XXXX XXXX on XXXX. She told me of a platform that she was in and if i put in {$100.00} in XXXX hrs i would get {$500.00}. When that time came i was told i had to wait until I was {$1000.00} invested. Every time I should have been able to get money there was another reason they would not give to me. This group was called XXXX XXXX XXXX. Then a woman by the name of XXXX XXXX contacted me saying to leave that group and she will help me retrieve my money. She said her group is XXXX XXXX. She was probably the same person looking back. Im sure my money all went to the same people. It was the same thing. Add more money and they promised me I would get my money that was due to me. Im on XXXX and I am XXXX years old. I needed this money badly. I barrowed and the total due to me is {$19000.00}. These people got mean and nasty to me. They called me names and said how stupid i was and belittled me because I didnt understand. I was told no way can this be a scam because it was binary trade. I tried contacting cashapp to get my money back and they are not responding. The purpose of this scheme was to target people such as myself that has no idea what they are doing to steal from me using fraudulent representations. I have a letter written out to you but I cant copy and insert it. Someone is trying to help me with this as I am devistated. They stole all my money and then some. I have all of the individual withdrawals to them if u need them. Please help me to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-28 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: ID

Complaint narrative:
I was made aware some time ago that someone stole my identity ( social security number, first and last name ) to rent an apartment with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX back on XX/XX/2021. The balance has shown up on my TransUnion multiple times as this person has not paid rent in over XXXX months. The balance is well over {$15000.00} and continues to grow as this person still lives at this apartment. When this was first reported to me I was living in XXXX, CA. I now live in XXXX, Idaho. I have filed XXXX disputes with TransUnion, created a police report, submitted all the appropriate documentation that were asked of me from the apartment complex ( lease agreement, renters ledger, Drivers license, social security card, police report ) yet the apartment complex still does not believe this is fraud. The XXXX XXXX Police Department was even in contact with the apartment complex.

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