vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 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: MN

Complaint narrative:
I was reviewing my Credit Report and noticed some Hard Inquiries that I do not recognize. Can you please remove these from my credit report. 

XXXX XXXX XXXXXXXX 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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello my name is XXXX XXXX XXXX. And I have a balance of {$460.00} in Debt. The fraud Happen when I was XXXX. Im now XXXX and cant get into my low income apartment because of this identity theft. I am a single mother of a XXXX old boy. Ive lost my information when I was XXXX moving around to find shelter. I had a hard life. So now that I can finally have a place to call my own home, I cant get into my apartment because of this. The Agency for the apartment looked into my credit and found this balance and denied me but they are willing to give me a second chance to fix this problem. Can someone please get this off of my credit report so that they can redo my credit report check so me and my son can move into our new home. My number is XXXX Please contact me for any other information or questions please and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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: Block, Inc.
State: NV

Complaint narrative:
Call me its urgent its many consumers a hacker named XXXX XXXX Has hired XXXX  to hack me steal from my bank and close my accounts And sone very serious things to me Cash app is so bad thry steal and yhrn XXXX talk yo me and call me a liar Please call me this is serious XXXX Thank you Its emergency with yhr hacker she stole my entire identity y Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Tearful despondent ..upset. I am a victim of bank fraud. Someone washed my check which I was paying my utility bill with ..applying a persons name payable to and a large sum of money of {$8500.00} was withdrawn from my checking account.. and this happens on the day that I buried my list surviving relative my uncle.. My bank is Citizens Bank. And the check was cashed by XXXX XXXX  XXXX XXXX have been fighting this ..since XX/XX/XXXX I am beside myself I am recently a widow a senior citizen turning XXXX. I need this money to live on I have bills health insurance bills ..I have a mortgage I am beside myself. I called the bank every day and of course they tell me that its still In the escalation department I am so beside myself. I need your help to get my money back this money is rightfully mine. The bank never notified me of this check being cashed. XXXX XXXX. My phone number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I did not authorize the company to rerun my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: OCMBC, Inc
State: CO

Complaint narrative:
Loanstream Mortgage services my mortgage. They have been in control of it for 3 payments. This is the fourth payment. 
I have to call every month to make a payment. No one is ever available to take my payment. They say they will take my number and they will call back. They dont call me back. They refuse to send me a mortgage statement. None to date. I dont know how they are applying my payment. 
I have paid additional amounts and who knows what they did with that. Every month its the same thing. No one there can help. One person that answers their phone there can only say uh, uh, uh did you try online payment? Could not answer any question. This company is highly unprofessional. They have a fiduciary responsibility. At this point Im having to mail a check at last minute!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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 2022-10-12 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: MN

Complaint narrative:
I was reviewing my Credit Report and noticed some Hard Inquiries that I do not recognize. Can you please remove these from my credit report. 

XXXX XXXX XXXXXXXX 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 2022-10-12 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: MN

Complaint narrative:
I was reviewing my Credit Report and noticed some Hard Inquiries that I do not recognize. Can you please remove these from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-10-12 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: CA

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

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

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-10-12 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: FL

Complaint narrative:
I requted equifax to remove inaccurate reporting. Sent them copies of the request dated back XXXX with no futher updates from equifax XXXX I loked at my credit report XXXX inaccurate accounts are still showing. 

XXXX XXXX sent improper validation Financial data ( 2 ) no response to my 30 day demand request XXXX no response to my 30 day demand request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Urgent Complaint XXXX XXXX XXXX To : XXXX Wed XX/XX/2022 XXXX XXXX  Complaint by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX Cell : XXXX XXXX XXXX ============== Complaint XXXX XXXX Citizens Bank XXXX Citizens  XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX ============== Dear sir/madam, Hope you are well, I would like to file a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. 



Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. 



The merchant continued to charge my card, however, even after I had canceled the transaction with them. 



The disputed amount is {$4500.00} and the bank decided to let the merchant keep the money and the goods, as well. 



I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. 



I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal falsly claiming that the dispute was not filed timely, which is totally false. 




Thank you for your kind assistance and look forward to hearing from you. 



Respectfully, XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX I first tried to close my PayPal account. Merchant ID XXXX. received an error message that a transaction was in process. I tried again three days later - same error message. A customer service agent told me it would take three days for the transaction to clear. So I tried again on XX/XX/XXXX and got the same error message. this time I could not reach an agent. Instead I got an endless email voicemail- for 2 1/2 hours. I just ask that PayPal close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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 — Was not notified of investigation status or results
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX I called this creditor to obtain further information in this alleged debt. They could not provide me with verification and or why this is listed as a past due and collection, How is this possible? This is an alleged XXXX Debt of {$100.00}. Please remove this inaccuracy from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I went to purchase a vehicle XXXX XXXX XXXX XXXX on XX/XX/XXXX. I made a few payments before I found out about the Uniform Commercial Code, Fair Debt Collection Practice Act, Fair Credit Reporting Act, Trust Law and Contract Law. Which explains the XXXX XX/XX/XXXX XXXX I asked Exeter Finance who claim to have loaned me some money for the vehicle a few things I've learned. This what I asked : Expressing The Trust Agreement To Settle The Debt. Everything is a XXXX because there is no money, there is no value available to be given as consideration. So a XXXX fills the void. Trusts were put in place in XXXX XX/XX/XXXXwith the taking of the gold. Exeter Finance colorable contract is wrapping and hiding a XXXX at its core and the gifting of the 'res judicata ' or the principal of the XXXX forms the corpus of the XXXX. A Trust which I Am the XXXX and Beneficiary of and Exeter Finance are the Trustees and assumes Fiduciary responsibility for managing those assets and carrying out the purposes of the Trust. My signature and Social Security number was the representation of the XXXX and all my past, present, and future labor, i.e. my assets. It's impossible for Exeter Finance to have ever loaned me any money. My signature and my Social Security number is the res judicata, i.e. the value and the principal. I Am XXXX XXXX here as Beneficiary of this XXXX Agreement. I Am asking ; Will Exeter Finance as Fiduciaries of this Trust Agreement, do what is necessary and best for the Trust by settling the debt to this Account XXXX? PLEASE ONLY CONTACT ME IF ITS CONCERNING DOING WHATS NEEDED TO SETTLE THE DEBT. 

Exeter never responded back by mail nor called to handle the matter. Instead they attempted repossessing the vehicle. It failed so they reported to my consumer report as Charged Off. I reached out to get my Title and I still haven't heard any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
CEASE AND DESIST To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 
According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, mails, social media, or any Consumer Reporting Agency. 
Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

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 2022-10-12 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: Financial Data Systems
State: FL

Complaint narrative:
I requted XXXX to remove inaccurate reporting. Sent them copies of the request dated back XXXX with no futher updates from XXXX XXXX I loked at my credit report XXXX inaccurate accounts are still showing. 

XXXX XXXX sent improper validation Financial data ( 2 ) no response to my 30 day demand request XXXX no response to my 30 day demand request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Millco Management
State: FL

Complaint narrative:
I requted XXXX to remove inaccurate reporting. Sent them copies of the request dated back XXXX with no futher updates from XXXX XXXX I loked at my credit report XXXX inaccurate accounts are still showing. 

XXXX XXXX sent improper validation Financial data ( 2 ) no response to my 30 day demand request XXXX no response to my 30 day demand request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: TN

Complaint narrative:
There are unauthorized, credit inquiries listed on my transunion account I have attached copies of these inquiries to this complaint. 
I have tried to contact the creditors and transunion to fix this issue and neither have been any 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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I added a bill on Experian boost and my XXXXredit score boosted by XXXX points. I gave the company a great review and I was very happy because I worked really hard on my credit score. Last month, I payed off my credit card in full. The moment my credit usage went down to XXXX  on my Experian report that I look at every day, my credit score dropped by XXXX points. The same points my credit score raised to when I used Experian boost. I was deeply upset because I worked so hard on my credit score the last 4 years. My credit should of boosted by XXXX points. Not drop by XXXX points once I payed off my credit card balance. I tried contacting the company by email and just received an automated response. I also contacted this company by XXXX and XXXX, still no response. I am scared my credit score will drop even more. This is not fair!

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 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Officer, I have trouble getting the refund- the merchant had already sent them to my BOA credit card. I haven't received the refund for around two months. On August 6th, I returned four items I bought with my previous BOA credit card, which had already been replaced with the new number. BOA customer service told me that all my previous credit cards should be recorded in my profile and linked with my current credit card. So I could receive the money returned to my previous credit card. 
Unfortunately, I didn't. I went to the BOA office five times and called customer service more than ten times. They could not find my previous card information in their bank system, even though I had a physical card and statement with my previous card number. 
They refused to help on getting the refund back to me, just because they could not find my previous card info in their system. They know that's their system issue, but they insisted on refusing to help me. 

My refund amount totaled around {$800.00} on two different previous credit cards.

I could provide the following refund information : 1. Merchant refund receipt to my previous credit card 2. Merchant invoice number for the refund to BOA 3. Previous card # 1 physical card, statement 4. Previous card # 2 statement I could provide my purchase history with the merchant and a specific BOA credit card statement with the purchase. Please let me know if I need to provide any more materials. So many thanks! 

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