vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I was looking to purchase a XXXX XXXX XXXX  guitar processor on a XXXX user group on XXXX. A group member name XXXX XXXX contacted me and said he had XXXX for sale. He sent me pictures of the item, as we communicated on XXXX XXXX. I agreed to send him {$1300.00} via Zelle for the sale on XX/XX/2024. After the transaction, he continued asking me for more information ( address, email address, bank information ). I did not share any banking information. The person 's Zelle information is XXXX XXXX XXXX, email address is XXXX. This is when I realized it was a scam. I saw many more posts on the XXXX XXXX from this user, saying that they had many other items for sale. They also stated various different locations in their posts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my XXXX  time writing you to update my personal information. Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My active address XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( ALL OTHER ADDRESSES ON FILE ARE NOT MAILABLE ADDRESSES ).

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), Dated, XX/XX/2024, I, XXXX XXXX, am writing to file a complaint against XXXX, EQUIFAX, and XXXX regarding inaccurate information reported on my consumer report. The inaccuracies include errors in my name and employment details, leading to challenges in identity verification by banks and causing me significant emotional distress. 

Attached, please find a letter demanding the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved UCC 1-308.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), Dated, XX/XX/2024, I, XXXX XXXX, am writing to file a complaint against XXXX, XXXX, and EXPERIAN regarding inaccurate information reported on my consumer report. The inaccuracies include errors in my name and employment details, leading to challenges in identity verification by banks and causing me significant emotional distress. 

Attached, please find a letter demanding the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved UCC 1-308.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was reviewing my credit report and was riddled with XXXX  seeing a few inquiries that I did not authorize. I am working to get some credit and will be denied due to these errors being wrongly verified by the bureaus without my authorization.

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 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I believed there to be a billing error on my capital one present meant that I had received. I had mailed a written letter to capital ones billing error, dispute department, requesting all documents, ledgers, and notes pertaining towards the account. They in return decided to take a form of adverse action against me and simply close the account without any explanation except for that I had violated their company guidelines. I know that as a consumer I have the right to bring in a question about my bill at any moment, and that my account can not be closed. Im not sure what action if any you guys may take but I just wanted to have a complaint on record!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kikoff Inc.
State: FL

Complaint narrative:
XX/XX/2023 I finally got my account closed. I tried to close my account with kick off before maybe for 2 months already. I couldn't get them to respond. Finally got them to respond. And I use their automated system to try to close the account. I couldn't find my account. I try to reopen an account. And it said I had an existing account. So I couldn't do anything to make payments or change anything. So I tried to close it. And I ended up with 2 late payments due to their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-02 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The TJX Companies , Inc., XXXX XXXX XXXX, XXXXXXXX MA XXXXXXXX Dear sir, I would like to complain and dispute the transaction on XX/XX/XXXX with online purchase of XXXX . I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Item # XXXX. It was on sale and 50 percent off, therefore it became {$9.00}, instead of {$19.00}. I ordered two on XX/XX/XXXX of 2023. However, without my consent, the amount became only one bag. Therefore, I contacted with the chat representative, and he/she told me the shop cancelled one of them ; therefore, I only could buy one bag. And I picked up the chocolate today at XXXX , XXXX XXXX in XXXXXXXX NJ. Since I only received only one bag, the charge should be {$9.00} ; however, your company credit card activity said the total amount was {$19.00}. I would like to fix this issue, since I continue to complain to your company. Since a few days ago, your company charged completely cancelled XXXX purchase twice. And yesterday, you have charged this purchase twice ; therefore, that means you charged {$19.00} twice, even though it should be only {$9.00} once. I enclose the necessary printout with this letter. Besides, these matters of your company credit card activity, the intermediate payment system, PayPal, record showed the transaction was {$9.00}. 

Sincerely,

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 2024-01-02 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I signed up for a vacation package ( XXXX ), a few months later I realized I never received what I paid for so I decided to dispute the charges and try to get my hard earned money back. I reached out to XXXX but they kept trying to give me the run around and not refund me so I reached out to my bank ( Digital federal credit union ) to dispute the charges and attempt to get my money back. They were somewhat helpful at first but I login to my account today and see that the charges were reversed and my account is overdrawn without any explanation. So here I am now making a complaint because I feel like I am being robbed and scammed by XXXX and Digital federal credit union is in cahoots working with them. I am very disappointed

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumeXXXX  reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative  accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness  By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account is showing delinquent late payment which is inaccurate. Please remove the late payment off my report ASAP. 

ACCOUNT NUMBER : 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 2024-01-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
I encountered massive communication issues concerning a debt issued to me by the University XXXX XXXX  at XXXX XXXX. I was charged for a class where I was directly informed by the professor that I was not registered for. My issue started when it appeared as though I had accidentally registered for a class and was having difficulty through the university 's website dropping said class. I immediately communicated with my advisor and asked her for assistance, which she astutely provided. She gave me instructions on how to drop the class and I followed her instructions in which I thought I was successful in accomplishing ( conversation attached ). Nevertheless, because I was new to the system I wanted to make sure that I had successfully dropped the class ; therefore, I contacted the professor through email. She told me that was not registered in either of her classes ( conversation attached ). Months passed and everything seemed to have been solved. I did not receive any calls, emails, voicemails, mail, or notifications concerning the matter. Suddenly, about ten months later, I received a letter in the mail saying I owed the university over XXXX dollars without specification as to what I was being charged for ( Note : I did not receive any notification from XXXX either ). I had no Idea if this was a legitimate letter considering the lack of detail and vagueness of the letter. I had to call the university to receive any information concerning my debt. That was when they told me it was about a class I had registered for and failed. I was shocked considering ten months had passed since I thought the issue had been solved. Afterward, I contacted the university through email asking where I could file a complaint and, again, I received no answer until a letter arrived weeks later with a link to this website ( conversation attached ). How is it fair for me to pay XXXX dollars for a class where there was zero indication of registration till ten months later and where I was directly told by the professor I was not registered for? Why should I suffer academically and financially for the university 's lack of communication?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Credit Bureau continues to commit fraud by reporting inaccurate information on my credit report. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act prohibits creditors from reporting and collecting debt that has been settled, discharged, or is no longer collectable. It stands to reason that creditors may not make credit reports or collect debt after that debt is reported on an IRS form 1099C. Per the FCRA, as a Federally protected consumer I'm now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 U.S.C. 6802. The law says it's illegal to report transaction history on my credit report per H.R. 4120-Comprehensive Credit Act of 2021. A charge-off is considered a certificate of indebtedness which means it's considered income and income can not be reported on my credit report. According to 15 U.S.C. 6508 I have a right to opt out of the inaccurate information on my credit report. Experian Credit Bureau is in violation of 16 CFR Sec. 433.2 Preservation of consumer claims and defenses unfair or deceptive acts or practices. Experian Credit Bureau also violated the Privacy Act of 1974. The inquires on my credit report is in violation of 15 U.S.C. 1681 of the FCRA-Permissible Purposes. Also Experian Credit Bureau is in violation of the Family and Educational Privacy Act of 1974 by reporting student loan history. When I signed up for a student loan, I signed a privacy act form that said the school will not provide transaction history to any third-party companies. If my credit report isn't adjusted, I will be forced to file a lawsuit in Federal District Court.

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 2024-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: WI

Complaint narrative:
Dear FCC, I am writing to file a formal complaint against Square Inc., a payment processing company, regarding the unjustified deactivation of our business account and the withholding of our funds. Our company, XXXX, is a legitimate hemp business that has been unfairly subjected to discriminatory practices by Square Inc. Here are the details of our complaint : 1. **Account Deactivation : ** On XX/XX/XXXX, without any prior warning or specific reason provided, Square Inc. deactivated our business account. This sudden deactivation has severely disrupted our operations, preventing us from processing payments for our products and services. 2. **120-Day Fund Hold Policy : ** Square Inc. has a stated policy of holding funds for 120 days following account deactivation. However, as of today, XX/XX/XXXX, we have not received our funds or any resolution to this matter. 3. **Lack of Communication : ** Despite numerous attempts to contact Square Inc. and request an explanation for the account deactivation, we have been met with silence. Furthermore, Square Inc. has not allowed us to speak with an account specialist or provided a specific reason for the deactivation, leaving us in the dark regarding the circumstances. 4. **Discriminatory Practices : ** We strongly believe that our account deactivation and the withholding of our funds are a result of discriminatory practices. As a hemp company, we feel that we are being unfairly targeted and subjected to financial harm without just cause. We request the FCC to investigate this matter thoroughly and take appropriate actions against Square Inc. for their unjust treatment of our business. We seek the following outcomes : 1. The immediate release of our withheld funds in accordance with Square Inc. 's own policy. 2. A transparent and detailed explanation from Square Inc. regarding the specific reasons for our account deactivation. 3. An investigation into whether our business was discriminated against due to its affiliation with the hemp industry. 4. Appropriate penalties and corrective actions to ensure that Square Inc. adheres to fair and ethical business practices in the future. We appreciate your prompt attention to this matter, as the unjust withholding of our funds has had a significant impact on our ability to operate and serve our customers. We look forward to a resolution that upholds fairness and justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
XXXX XXXX XXXX keeps reporting my account open although the account is showing closed and paid with a {$0.00} balance on their own website. I paid the {$1700.00} on XX/XX/22. I was deeply impacted by the shutdowns with an inability to make a living due to the pandemic and I made them aware of the situation but they provided no relief to me. All I want is for the account to be reported accurately and closed out. This should have been done well over 2 years ago.

This has been an on-going issue with Transunion holding onto old data that is completely wrong. They keep saying that its accurate and that this is what XXXX XXXX XXXX keeps reporting. I'm being financially harmed by this false  info and should be compensated. I have submitted proof that this was paid off and closed.

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