vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Credit Reporting Act XXXX  Account last numbers XXXX reported by XXXX reported for the months of XXXX & XX/XX/2017 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never gave Consumer reporting agency permission put a fraud alert on my account I am demand that they remove the alert from my account immediately.

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 2022-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
Fraud makes all contracts void. So I looked on XXXX for cash app customer support. Found a number and they seemed legal. I was instructed to transfer funds to a XXXX XXXX XXXX ACCOUNT. Until they the " scammers ''. Could fix the problem. Not knowing it was a scam I proceeded to transfer my life savings. {$13000.00} to them. Once they got the money they hung up and disconnected their number. I finally got a hold of cash app to stop the transfer and to launch an investigation. So I waiting 10 days to here from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: MS

Complaint narrative:
On XX/XX/22, I sent XXXX separate transactions of {$300.00} each to an individual through Zelle purchasing a video game system. He had already provided a tracking number and said the gaming system was overnighted and would arrive the next day. After I sent the first {$300.00}, he claimed he did not get it and that there must be something wrong with my bank. So having never used Zelle, I unknowingly sent the {$300.00} again. The next day both amounts had posted to my account. I then found out that this person had sent a counterfeit tracking number. He kept calling asking me to send more money and assured me that the zelle amounts had been refunded but they still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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.The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 usc 1681A states I have the Right to privacy. 
15 usc 1681 section 604A 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 than records of convictions of crimes which antedates the report by more than XXXX years XXXX. XXXX XXXXXXXX XXXX XXXX # XXXX & XXXX XXXXXXXX XXXX acct # XXXX XXXX. XXXXXXXX XXXXXXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX & XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX  XXXX acct # XXXX & XXXX XXXX. Applied XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX  acct # XXXX & XXXX XXXX. XXXX acct 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 2022-11-05 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank dispute department supervisor was very rude disrespectful and uncompromising. I explain to her that Ive been waiting patiently into diligently for them to conclude my investigation due to some fraudulent charges that transpired on my account. The following charges took place with the first XXXX Taken XXXX  XXXX XXXX at XXXX for {$130.00} And the second one is XX/XX/2022 for {$240.00}. 
When I told the supervisor that I feel like they are prolonging their investigation and not taking care of it efficiently, and that I was going to be making a complaint with you all she blatantly told me that she didnt care I can tell who I want to tell and discontinue the call. I found this to be so unprofessional on her behalf and theres no way I should have to undergo this type of treatment when I am the customer and I put my trust in them to handle my finances in the most efficient way, but safe and secure. Clearly none of what I expected from this financial institution have came to pass. I demand a remedy take place in all of this come to pass rather sooner than later, because I am in the situation where I am facing XXXX, due to me, being a victim of identity theft.

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 2022-11-05 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: NV

Complaint narrative:
o not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - I HAVE NO ACCOUNTS FOR THESE INQUIRIES AND WOULD NOT CONSTANTLY RUN MY CREDIT, WHICH WOULD RESULT IN A BAD SCORE I AM ALSO UNABLE TO ACCESS MY EQUIFAX ACCOUNT AND XXXX, THEY HAVE MADE IT IMPOSSIBLE TO LOG IN Credit Inquiries Credit Inquiries - Summary Equifax 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 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 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 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 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 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 2022-11-05 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: GA

Complaint narrative:
TRANSUION has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means TRANSUNION didnt exercise there grave responsibility to my consumer report. TRANSUNION was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed TRANSUNION XXXX writing to furnish this report and never consented to this report of XXXX XXXX XXXX NUMBER : XXXX  as well as XXXXXXXX XXXX  INQUIRY ON XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So TRANSUNION just assumed that TRANSUNION they could report this and TRANSUNION never had my permission and stole my identity to report on my behalf.. As stated on the back of all billing statements from XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Which correlates directly with 12 C.F.R. 1026.11 ( a ) as well as proof that {$4300.00} was the total amount of money I was owed since such amounts were on my billing statements every month. So I was owed this amount as these amounts where owed to me and was credited to my account in which XXXX has been falsely reporting with TRANSUNION.

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 2022-11-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have an XXXX account and had some items in my shopping cart in the amount of {$200.00} that I was in the process of completing my order later on. As soon as I clicked on the item I got a prompt from XXXX offering me to pay {$59.00} right now and I will get {$150.00} if I apply for their XXXX credit card through Chase Bank without affecting my credit. This was supposed to be a pre-approval credit with a soft pull, but instead they pulled my credit with a hard inquiry. I immediately received an email from XXXX that there was a hard inquiry on my credit report that caused my credit score to drop by XXXX points right after I was denied. They lured customers to get their credit cards by misleading them and lying to them they will not run your credit, but instead they do. I didn't even need the card, I accepted their offer because of the reward. I can not afford to have hard inquiries on my credit report because I'm trying to repair it right now. I just found out they also have another bank by the name of " XXXX '' that they are using to do the same thing. I have attached an attachment. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/2022 I was notified by XXXX fraud dept. that someone had opened an account and was getting a credit card through Bank of America on XXXX XXXX, XXXX for a Spirit Airlines Credit Card -- ( Ref. # XXXX -- and they closed the account before the person could use the card. The person also tried to open another credit card through Bank of America ( on the same day I think ) for a XXXX  XXXX Credit Card. The XXXX XXXXXXXX card was not opened and Bank of America stopped and closed the opened account on XX/XX/2022. XXXX at XXXX XXXX helped me get checks on my credit from XXXX, XXXX, and XXXX. I put a freeze on each of those Credit Reporting Companies. I also got an identity fraud report with my XXXX XXXX XXXX XXXX. ( Case # XXXX ). On the original report with XXXX of XXXX XXXX XXXX. had the name and address info used to get the new credit card. There was no money gotten by the person trying to use my information.

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 2022-11-05 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: MS

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$11000.00} US DEPT of Education, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX 15 USC 1681 602 States " I have the right to privacy. '' 15 USC1681 604 A Section states " a consumer reporting agency can not furnish an account without my written instructions. '' 15 USC 1666B states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: OH

Complaint narrative:
XXXX and Experian are reporting 3 public records that I have tried to have removed. I contacted the US Bankruptcy court and they provided me with a letter stating they did not report this information to the credit agencies. After research I found out that XXXX reported this information. I have tried to dispute with XXXX and I have not had any luck getting this removed. As a result I have been denied a mortage loan. This inaccurate information causing me serious financial issues.

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 2022-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I got a credit card with Capital One and Ive was paying my bills just fine and even paid for it in advance multiple times of how much I over used it but I did pay my debt, but I miss one payment one time because my bank account wasnt getting my paycheck in time and they just deactivated my card and I tried calling to get a new one but they never sent me a new one and my Capital One account is just hanging on a late fee not even reactive my account and sending me a new card that never showed up to this day XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
o not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - I HAVE NO ACCOUNTS FOR THESE INQUIRIES AND WOULD NOT CONSTANTLY RUN MY CREDIT, WHICH WOULD RESULT IN A BAD SCORE I AM ALSO UNABLE TO ACCESS MY XXXX ACCOUNT AND TRANSUNION, THEY HAVE MADE IT IMPOSSIBLE TO LOG IN XXXXredit Inquiries Credit Inquiries - SummarXXXX XXXX TransUnion 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 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 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 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 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 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 explanation
Consumer complaint received 2022-11-05 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: NV

Complaint narrative:
o not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - I HAVE NO ACCOUNTS FOR THESE INQUIRIES AND WOULD NOT CONSTANTLY RUN MY CREDIT, WHICH WOULD RESULT IN A BAD SCORE I AM ALSO UNABLE TO ACCESS MY XXXX ACCOUNT AND XXXX, THEY HAVE MADE IT IMPOSSIBLE TO LOG IN Credit Inquiries Credit Inquiries XXXX XXXX XXXX XXXX Experian 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 Experian 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 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 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 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 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 2022-11-05 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
Hey. I was looking over my credit report and i have no idea where some of these inquires came from. Before making this report i took time to contact each company separately and neither one could give me information on where this inquiry came from. The only course of action they gave me was to file a report with you guys or call the credit bureaus. I'm asking that you please remove these inquires that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
someone use my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV Funding LLC/ Resurgent General Disputes/ Correspondence XXXX XXXX XXXX XXXX, SC XXXX Account Number : Ending in XXXX Resurgent ID : XXXX Ref Code : XXXX This company has been sending me collection notices in the amount of {$2100.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
A derogatory remark from " Springs Oak capital '' appeared on my credit report in XXXX XXXX. They claim that I owe them {$6400.00} which-unbeknownst to me-is borrowed money from their company. Obviously, this struck me as odd because not only have I never heard of Springs Oak capital before but also because I was completely unaware of any debt with them. 

I have repeatedly attempted to get in touch with the company for more information, but all my attempts have been fruitless. After doing some additional research on the company, I found out that they are not licensed to collect debt from people living in Florida. Consequently, I am requesting that you remove this item from my credit report as soon as possible.

Company response to consumer: Closed with explanation