vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: TN

Complaint narrative:
My card was stolen at at gas station. I may have dropped my card and I called cash app customer service the next day when I realized it was a transaction that wasnt made by me .they wouldnt provide me the store information so I can call the store myself also to inform them. I filed a dispute that same day XXXX XXXX and was denied today XX/XX/2022 I ask them why and they provided me more information today it said insufficient funds is the reason why they denied me. I couldnt talk to a manager or no one to resolve issues they wouldnt provided me no more information told me case close. I ask them can I reopen the case and the information giving to me is not correct to open the case. I call representatives for help and both told me no more information can be given on this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I deposited an envelope into the mailbox at the corner of XXXX  and XXXX XXXX on XX/XX/2022 and it was addressed to attorney, XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Enclosed was a check # XXXX for {$2000.00} for his services. I made sure the envelope was completely in the box and left. After a week, XXXX XXXX called to say the check had not arrived at his office. Since I valued his services, I offered to pay him via XXXX and did that on XX/XX/2022 for {$2000.00}. On XX/XX/2022, I saw in my Ally Bank account app that the check, XXXX, had cleared but for {$5600.00} in the name of XXXX XXXX. I immediately called Ally Bank to tell them that I had been defrauded. They told me they needed to initiate a fraud investigation and that I would need to close the current account. That day, they created a new checking account for me and told me it would take approximately 2 weeks to resolve the issue. A few days later, they froze both the defrauded account and the new account and will not give me any further details regarding whether they will pursue a criminal charge or if XXXX XXXX is a legitimate person or a pseudonym. Currently, I have not been reimbursed for the {$5600.00} and have over {$9000.00} in the checking account that is inaccessible - Ally will not give me further details about how long this will last, other than to say it may be 90 days.

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 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a call from Chase Bank confirming a credit card account opened under my name and with my personal information. In which I NEVER opened so I confirmed with them that it was not me! The representative closed the account but suggested I call the Credit Bureau to report the fraud, in which I did. They were able to add a fraud protection on my account and have formulated a dispute with the company, in which I am waiting to hear back from. And now I am formulating a complaint here to ensure my information is safe. I have been subject to identify theft and taking action to help secure my information!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Since XX/XX/2022 I have send letters disputing my credit report through XXXX, XXXX and TransUnion with my driver license, social security card and utility bills as attachments. The only letter I received from then is a letter asking me for additional info ( social security card, Driver license, and utility bill ) which has been sent every time I send a new dispute letters, They are playing around, and waist my time. 
I asked them to provide information regarding your method of validation, as well as who and how the account dispute was reported as accurate, then you should delete it. 
They have ignore my request.

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 2022-12-14 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: IL

Complaint narrative:
Since XX/XX/2022 I have send letters disputing my credit report through Experian, XXXX and XXXX with my driver license, social security card and utility bills as attachments. The only letter I received from then is a letter asking me for additional info ( social security card, Driver license, and utility bill ) which has been sent every time I send a new dispute letters, They are playing around, and waist my time. 
I asked them to provide information regarding your method of validation, as well as who and how the account dispute was reported as accurate, then you should delete it. 
They have ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: MI

Complaint narrative:
I have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Future Judgement Solutions
State: VA

Complaint narrative:
FJS Global in XXXX, Wy has contacted several time about a debt they say was turned over to their company from XXXX card services. I contacted XXXX card services myself. They stated that theyve never had or have now an account ( charged off or active ) in my name. Theres nothing on my credit report showing that debt. Ive spoke with FJS Global and requested information on the debt but they continue to harass me to pay the debt which is over {$3000.00}. Ive also written a letter and mailed it to the address on the website and have yet to receive a response. I have never received any written notification by mail for the debt. The phone numbers theyve contacted me from are as follows : XXXX, XXXX, XXXX and XXXX. How do get the information on the debt and how to I get them to stop harassing me? Thank you for your time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: MoneyLion Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received an alert on my experian credit report that a loan for XXXX dollars from a company called Money Lion had been taken out in my name. That day, I immediately locked my credit file, placed a fraud alert on my credit profile and filed a dispute with XXXX. The dispute number was XXXX. In early XXXX I was alerted that Money Lion stated the loan information was accurate and my dispute was denied. I called that day and filed a second " fraud '' dispute with experian, # XXXX. I was notified early this month that dispute was also denied. I also filed a report with the federal trade commission. The overdue balance has now reported to my credit and my score has dropped significantly. Please help..

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase keeps reapplying fraudulent charges to my credit card! 

Last month, I reported my credit card stolen within an hour after being pickpocketed. I " locked '' the card from my bank 's app. 

Though I only reached recordings ( " the fraud center is now closed '' ), I managed to call and use the automated system to make the report and to request a replacement card. 

A week later, on Black Friday, over {$8000.00} in charges were made on the " locked '' card. XXXX XXXX, XXXX, XXXX, XXXX XXXX, and even snacks at XXXX 's. 

After I made more calls to the " fraud center '' during business hours, the charges were credited, but incompletely ; my balance fluctuated. During each call, I was consistently reassured that these were all " automatically '' regenerated by their " system 's back end, '' and that I could ignore the alarming reappearance of these charges. " This just means our team is investigating these charges, '' they said. " You'll get a call within XXXX hours. '' No such call ever came. 

As of today, I received a " letter '' in the app 's " secure documents, '' informing me that I reported all $ XXXX charges as valid yesterday! I did no such thing! Half a dozen calls gets me only bland assurances. 

Is this an inside job? I did not have any of this trouble with the XXXX other cards that were stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, the following accounts entered have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 USC 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 information, other than records of convictions of crimes which antedates the report by seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15USC 1681i ( 7 ) A consumer reporting agency shall provide to consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

What kind of investigation was completed?

15 USC 1681a ( e ) investigative consumer report ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

No authorization to collect to attempt to collect on the account and the account continues to negatively impact me. Please strike and remove this account from all credit bureaus immediately due to information being reported incorrectly and without all proper validation.

15 USC 1681e ( b ) ( b ) Maximum Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: MI

Complaint narrative:
I have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you. I have discovered a very easy, clear, and concise violation on XXXX my accounts. On my credit report, I see many inaccuracies being reported. I will attach the section of my credit report so you can view the erroneous details. 

Account Name : XXXX Account # : XXXX Inaccuracy # 1 : Account Status : " Derogatory '' for TransUnion and XXXX XXXX however shows " Paid '' for XXXX Inaccuracy # 2 : No. of months ( terms ) : 9 months for TransUnion and XXXX, but 0 months for XXXX XXXX # 3 : Payment Status : " Collection/Chargeoff '' for TransUnion and XXXX, XXXX " Unknown '' for XXXX. 

Inaccuracy # 4 : Date Last Active : XXXX different dates. 
XX/XX/XXXX for TransUnion XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX Inaccuracy # 5 : Date of Last Payment:XX/XX/XXXX for TransUnion and XXXX, however XX/XX/XXXX for XXXX This information can not be accurate if I'm being provided with different data from each credit bureau.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you. I have discovered a very easy, clear, and concise violation on XXXX my accounts. On my credit report, I see many inaccuracies being reported. I will attach the section of my credit report so you can view the erroneous details. 

Account Name : XXXX  Account # : XXXX Inaccuracy # 1 : Account Status : " Derogatory '' for XXXX and Equifax XXXX however XXXX " Paid '' for XXXX Inaccuracy # 2 : No. of months ( terms ) : 9 months for XXXX and XXXX, but 0 months for Equifax XXXX # 3 : Payment Status : " Collection/Chargeoff '' for XXXX and Equifax, XXXX " Unknown '' for XXXX. 

Inaccuracy # 4 : Date Last Active : XXXX different dates. 
XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for Equifax Inaccuracy # 5 : Date of Last XXXX for XXXX and XXXX, however XX/XX/XXXX for Equifax This information can not be accurate if I'm being provided with different data from each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX & XXXX Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$850.00} XXXX XXXX account. {$850.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$520.00} XXXX XXXX account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. $ XXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Account charged o FCRA violations XXXX payments never late XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX  XXXX Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$24000.00} Highest balance {$0.00} Terms 72 Months FCRA violations : not XXXX addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX complex XXXX XXXX XXXX, TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX VI 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