vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
So about a month ago, My Self Lender Credit Builder Account was hacked and my email and password was changed, so I contacted Self to notify them that my account had been hacked. Once I regained access, I noticed that there were multiple debit/credit cards attached to the account from an address in Texas that a random guy I dont know who used to do several payments and purchases for a phone game, XXXX. I notified Self and they ended up just closing my account, not being aware that this would indeed affect my credit score badly, they did not provide me with any further help when I needed it most. On top of that, my phone service was off for a while, so I was unable to call them, and only Email them. I have put over {$350.00} into my Credit builder account that just got randomly closed as well as my credit score being destroyed due to the fraud and hacking that took place. Please I need my credit score back! Help me! I checked online and there were a lot of cases of people being hacked on the same platform in the month of XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

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 2022-04-28 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: VA

Complaint narrative:
Complaint 1 : In accordance with the Fair Credit Reporting act : Account Name : XXXX  XXXX Account Number : XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: VA

Complaint narrative:
Complaint 1 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX  Account Number : XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There was a fraudulent withdrawal in the amount of {$20000.00} from my law firm XXXX account at Chase bank made on XX/XX/2022. The check was not a real check and was forged, yet Chase bank allowed them to withdraw the money anyway. I submitted the fraud claim on XX/XX/2022 which was the first business day after learning of the fraudulent transaction- which was about 55 days after the actual fraudulent transaction. My bank has denied the claim for reimbursement despite my 30 year relationship with them..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: AZ

Complaint narrative:
In accordance with The Fair credit reporting act. The list of the accounts below has violated my Federal protection consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 206A States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also States a consumer reporting agency can not furnish accounts 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 items of information, other than records of convictions of crime which antedates the report more than 7 years. 15 USC 1681 s-2 A1 a person shall not furnish any information relating to the consumer to any consumer report agency if the person knowing or has responsible case to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Collection agency didnt produce validation of debt owed. 

Collection agency is in violation of my ucc1 statement agreement 15 1602g - We are the creditors 18 2331 - Definitions of terrorism and Nationals of US 15 1692b - 3rd party failed to identify themselves 15 1692e - False representation 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Called capital one to check and pay balance. Was told i had fraud alert. They asked for phone number tAMTRANSACTION TOOK PLACE ABOUT 3- 4 AMend text for ID VERIFICATION . SAID THAT THEY CANT SEND TEXT MESSAGE. BUT WAS ABLE TO SEND LINK TO WEBSITE TO SUBMIT ID PICTURE. STILL NO ISSUE RESOLVED. LAST USE OF CARD WAS AT A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN. THE REGISTER DECLINED FIRST TRANSACTION OF XXXX. SECOND TRANSACTION WENT THROUGH. ANOTHER TRANS ACTION WAS MADE AT FUEL PUMP FOR XXXX DOLLARS. AGAIN FIRST TRANSACTIO. WAS DENIED. WENR INSIDE TO PAY THE SAME HAPPENED. THEN IT WENT THROUGH. THEY MUST HAVE SOME SCANNER THAT GETS CARD NUMBERS REMOTELY. TRANSACTION TOOK PLACE XXXX AM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XXXX XXXX a fraudulent wire transfer was made from my savings acct in the amount of {$9900.00}. I immediately contacted USAA Federal Savings Bank. I have since called USAA everyday to only be given the run around that a Fraud Specialist will call me and have yet to receive a phone call. In addition, I have not received any correspondence stating the actions that have been taken. Through verbal conversation I was told the review was completed on XX/XX/XXXX. It is XX/XX/XXXX and when I called USAA they have no additional information. One representative said I should receive a refund while another will say I may not receive a refund. I have not been given any clear answers or guidance. Everything I do know has been through phone conversations when I have called them. When asked to speak with a supervisor I am told there aren't any available. This is not acceptable customer service and has caused me unnecessary stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Around XX/XX/2020. I purchased a car from XXXX  XXXX  XXXX  on lease. The car was totaled out and the insurance company paid the car off in full. Well I pull my credit report and their reporting I owe full price for this car. Saying that I owed a {$500.00} deductible That I knew nothing about. This car has been paid for these people are scamming people out of money and its not fair. This should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: SC

Complaint narrative:
I had cancelled a XXXX  service, XXXX, in early XXXX after numerous complaints of service failure dating to late XXXX. Despite my attempts to cancel service, my Axos bank account was auto-drafted two different service fees, XXXX and XXXX, even with no service ; one for home use and another for business, which I'd disputed. Then after I was able to cancel service, XXXX in response drafted {$39.00} from my account for equipment that I'd already purchased, then said I'd have to return it and email proof of return with a tracking number, which I did on XX/XX/XXXX, and again on XX/XX/XXXX. Meanwhile, I had disputed these drafts with my bank, Axos, on XX/XX/2015, XXXX, and several times in XXXX the last of which was XX/XX/XXXX. Axos said I'd have to provide proof of cancellation, requests to cancel, and provide a signed affidavit. I did so, yet to date, I still have not received any recovery of fees drafted that were without my authorization or knowledge, and after I had cancelled the service and had obtained proof the service was cancelled. My frustration is with the service, but also with my bank which has promised resolution but subjected me to delays without any. This seems to be a pattern with this bank, but also results from a real problem involving online merchants exploiting and abusing customer bank accounts and the access they'd been granted for specific charges that in no way intended to grant lifetime recurring charges for defective, unwanted, or cancelled services. I learned from one online merchant this week that even after a customer has deleted a payment method and/or cancelled a service, the card number stays in the system where it could be easily accessed/charged again with or without the customer 's approval. I learned from a second merchant ( representing XXXX ) that any debit or charge card used then suspended or removed from an account or service actually remains where the merchant places a hold on it just as gas stations do when paying at the pump. This spells big problems for customers and even worse concerns about merchants, online or those who use auto-pay as either an option or requirement, are compromising and exploiting customers who, like I, do not have the financial luxury of maintaining endless subscriptions or services ; nor who are able to pay bills at various times of the month, because of one-time monthly retirement payments. This is not the only time I have been hurt by these problems, and I will be submitting other complaints involving banks refusing to block or recovery drafts that I'd not authorized or after I had either blocked or suspended. It has devastated my credit due to charged off accounts that were overdrawn strictly due to unauthorized auto-drafts and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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 Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, The XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-04-28 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, The XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-04-28 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: VA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: VA

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. 

XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX  Acct # XXXX, has violated my rights. 

XXXX XXXX  Acct # XXXX, has violated my rights. 
XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX  XXXX Acct # XXXX, has violated my rights. 
XXXX XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-04-28 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: EQUIFAX, INC.
State: MN

Complaint narrative:
The following credit card accounts listed on my Equifax credit report was reported lost/stolen : XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Account # : XXXX, and XXXX XXXX XXXX XXXX XXXX Credit Card Account # XXXX XXXX. There are fraudulent changes and transactions on the accounts that are not my charges or transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a Vanilla Visa Card as a gift in XX/XX/XXXX. The value received was {$200.00}. I tried to use the card for the first time a couple of weeks ago, and was unable to use it. I checked the balance online and the value was zero. When I checked the balance online, I could see that the starting balance was {$200.00}, and that it had been used on many occasions and depleted to zero. I did not use this card at all and did not make any of the purchases. I believe someone hacked into the account and stole the card. I have contacted Vanilla and submitted a dispute packet on XX/XX/XXXX. I have not heard anything back yet.

Company response to consumer: Closed with explanation