vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

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.

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 2023-11-03 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: TX

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. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX  I contacted a seller via XXXX XXXX. The seller was selling a mouse for my PC and I arranged to meet with the seller now the item was new inbox meaning it was still wrapped in the plastic. while I was there nothing with the item looked out of place the plastic was intact Etc so I paid the seller via cash app and then headed home which was about 10-15 minutes away. Once I got home I removed the plastic and open the box getting ready to set up the mouse. When I opened the box I did not find a PC Mouse I found ripped up paper and small Pebbles shoved in a box. 

I've never dealt with such a situation so I went to cash apps website to find out what to do. 
https : //cash.appXXXX In this document cash app lists what to do ... however this section is an issue. 

How do I File a Dispute? 
If youve already contacted the merchant and are unable to resolve a transaction, you may be able to file a dispute. To file a dispute for a Cash Card transaction, you will need to select the transaction in Cash App. To do so : 1 Tap the Activity tab on your Cash App home screen 2 Select the transaction in question and tap the in the top right corner of the screen 3 Select Need Help & Cash App Support 4 Tap Dispute this Transaction. 

# 4 does not exist ANYWHERE in app where they send you just to get rid of you. This leaves no where to even submit a dispute. 

After reading thru the above link I reached out to cashapp tried to explain to there support what was going on, seller changed contact info so no way I can reach them. that seller was scamming people with there app and i was basically told they wouldn't do ANYTHING not even open a dispute or investigate doing nothing. I have reached out to them serveal times o. This matter and get same cookie cutter responses basically telling me oh well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I received a phone call from a Wells Fargo representative saying there was a suspicious transaction with my debit card in Georgia. I told him Im not in Georgia and I live in California. He then told me I was going to receive a new debit card within 7-10 days and that it was going to be shipped to my home address in California. I asked if he could add it to my XXXX XXXX because I was going on a trip to XXXX California on XX/XX/XXXX, he said he did, but to access and use I would need my physical card to enter in my security code. I then called again that night just to see if my card could be expedited some how and the representative I spoke with said unfortunately because the card was already processed to be shipped I couldnt make any changes. 
XX/XX/XXXX I received a notification on my Wells Fargo app saying my debit card was shipped and it Was shipped to an address in NEW YORK. ( I live in California ). I then called Wells Fargo fraud department that day and they told me that message was a mistake because my card was sent to my home address in California. 
XX/XX/XXXX I got a phone call saying they are Wells Fargo and that there was fraud on my account. I checked my account and I was wiped out {$2700.00}. 
I called Wells Fargo fraud department, and told them the story how on XX/XX/XXXX I got the initial phone call for fraud and was sent a new debit card. I then told them I called to raise concern about the New York address. The senior analyst I spoke with said that it was a one time address change. I never requested an address change nor did I ever receive my debit card, so the employee initially helping me must have made that change without my consent. I called XXXX to follow up on my claim and they said it was denied, due to my card being physically put in an atm machine. I then spoke with another senior analyst about my issue And had concerns about my card never being shipped to my physical address, he was unaware of the issue as he said that it was not written anywhere.. dont you think banking fraud analysis write up everything a customer is saying in full detail? All calls are recorded and monitored so shouldnt they be able to look into all phone calls? Wells Fargo is hiring people who are making fraudulent activities to peoples accounts. Now Im negative, while having a family to feed and bills to pay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Equifax, On my latest credit report - there are 3 hard credit inquiries due to identity theft that are fraud and need to be removed immediately - they are : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this complaint are : My complaint with them detailed out FTC Identity Theft report drivers license social security card proof of address these 3 fraudulent inquiries need to be removed at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Take a look at the documents I've provided, and begin an inquiry into the accounts in question, where I have always been on time with payments, but they are inaccurately recording me as having late payments.

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 2023-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe there may have been a mistake in this decision, and I kindly request your assistance in re-evaluating my case. 

I want to emphasize that, to the best of my knowledge, I have not violated any PayPal policies or engaged in any activities that would warrant such a severe action. I have always used my PayPal account responsibly and in accordance with PayPal 's terms of service. Therefore, I am left perplexed and concerned by the permanent limitation imposed on my account. 

I kindly request that PayPal re-investigates my case thoroughly and transparently. It is of utmost importance to me to resolve this matter and, if possible, have my account reinstated. I understand the importance of upholding the security and integrity of the PayPal platform, and I am committed to cooperating fully to ensure that my account complies with all necessary regulations. 

I kindly ask for a prompt response and a review of my account to rectify any misunderstandings that may have led to this limitation. I believe in the fairness and professionalism of PayPal 's customer support, and I hope that we can resolve this matter amicably. 

Thank you for your attention to this appeal, and I look forward to a positive resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XXXX XXXX  I called Bank of America to request a product change on my XXXX XXXX  credit card so that I could have the annual fee refunded by switching to a no-annual-fee card. The representative confirmed the fee would be refunded and the product changed. The product has now been changed ( my online account shows the new card type ), but the annual fee has not been refunded despite the representative saying it would be. It also took over a week for the product change to show in the online account, which is not a real problem, but it is certainly a poor experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03 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: WI

Complaint narrative:
Kindly inspect the enclosed documents ; the personal information you've mentioned does not pertain to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Please review the enclosed documents ; the personal details you've mentioned do not belong to me.

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 2023-11-03 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-03 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have a VISA debit card/ ATM card for my bank in XXXX XXXX XXXX XXXX  XXXX 

( THB = Thai Baht Currency ) During the period of : XXXX. XX/XX/XXXX to XXXXXXXX XXXX XXXX XXXX Fraudulent Transactions ( Called " Spending '' ) were made on my card for XXXX XXXX each, totalling = XXXX XXXX plus XXXX Fraudulent transactions ( Called " Spending '' ) of around XXXX XXXX each = Totaling THB XXXX XXXX |Fraudulent Transaction ( Called " Spending '' ) of THB XXXX on XXXX XX/XX/XXXX Total Fraudulent Transactions = THB XXXX I cancelled the card XXXX XX/XX/XXXX when I discovered the fraud. 
I contacted the bank. The told me to file a police report, which I did. The bank said the would make an investigation. I gave them a complete list of all fraudulent transactions. 
After 1 month I called the bank again. They said in effect, they would do nothing, it was not their problem! 

I called XXXX  Customer Support. They said they were not responsible for handling fraudulent transactions!! XXXX said they will do nothing!! 

The XXXX  website clearly states : " Zero Liability Policy : Use your XXXX XXXX to shop anywhere -- whether it's on the Internet or in a store -- and you are protected from unauthorized use of your XXXX  card. The XXXX XXXX XXXX policy eliminates consumer liability for fraudulent transactions. '' On XXXX XX/XX/XXXX I called XXXX customer support several times. They gave me the runaround. Finally I was told " This is not the responsibility XXXX. We can do nothing to help you ''. 

This response is a clear violation of XXXX 's own " Zero Liability Policy ''!!! 
XXXX has in fact committed gross fraud against it's own customers by loudly advertising their " Zero Liability Policy '', when in fact they will do absolutely nothing to refund fraudulent transactions on the VISA card. 

I demand that VISA pay Total Fraudulent Transactions = THB 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 2023-11-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
Sometime during the year of about XXXX  insufficient funds, overdraft fees.Cause payday loans not to be paid. Ssn # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-03 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Please review the enclosed files and initiate an inquiry into the accounts where I have consistently maintained a punctual payment record, yet they are erroneously reporting me as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX made a payment of {$34000.00} from its XXXX account to the account of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, opened in XXXXXXXX XXXX XXXX XXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX XXXX XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion, XXXX and XXXX under the Fair Credit Reporting Act I am intialed to the documents your client Department of EducationXXXX sent in to open the over {$80000.00} student loan account in my identity. I have been requesting the documents but no CRA have responded yet. Send the documents immediately as required by law. If you can not submit the documents state why? Transunion I was pre-apporved for a personal loan. Transunion against my permission you wrote to the loan company that my debt ratio was to high. Transunion why did tell the loan company this when I was just in the pre-approval process. I had not submitted for a hard pull of my credit report. Transunion you have blocked me from seeing my credit report and filing disputes, I can not see in the account. because you are a partner with XXXX by writing me and saying your going to send my case to an outside agencies. Transuion tell what gives you the authority to keep damaging my credit report and scores. I will see all CRA in court soon. CRA XXXX has no authority to rule on any student loan in my identitication. The real U.S. Department of Education General Counselor had ruled XX/XX/XXXX, Defaulted/Unresolved for FRAUD this mean no student loan servicer to touch this account, no servicing fees will be paid for this account..Nelnet was not suppose to XXXX in custody of the fraudulent loan. XXXX was not to collect servicing fees on the fraudulent loan XXXX can not make any decsion on this student fraudulent loan. XXXX ED can present their evidence in court. XXXX stop me from buying a house. The CRA stop me from buying a house. CRA send the XXXX ED documents. I will see XXXX and the CRA in court soon for damaging my credits and scores CRA YOU BLOCK ME FROM BUYING A HOUSE XX/XX/XXXX CAN NOT MAKE ANY DECISION ON THIS FRAUDULENT ACCOUNT. THAT WAS TERMINATED XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief