vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got scammed by a fraudulent car rental company while on vacation in XXXX. They told me they were preauthorizing my credit card for XXXX euros while they took my card to the back room and charged it for XXXX euros and faked my signature. All while the reservation was fully paid on XXXX to begin with. Their excuse was they need a non XXXX card to preauthorize ( XXXX was booked with my XXXX due to complementary rental car coverage ). Chase bank refused to take my case seriously from the start, deciding the case against me without even reaching out for information. After I complained, they told me to put some info together but they still decided the case against me, even though I did exactly what they requested which was get proof from XXXX that they paid the merchant on my behalf. Then they promised a manager will call me back to arbitrate the case, but someone called one time, left a voicemail without any contact info, and never bothered to call back again despite me calling them multiple times to request a callback. Joke company chase needs to be sued for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: 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. 
XXXX XXXX XXXX account # 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 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 1681. 

XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX , Has all 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 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 2022-04-19 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXX , Has all 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 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 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have reached out to Phoenix Financial Services LLC XXXX XXXX XXXX, XXXX requesting information in which I have yet to receive a proper response as they failed to provide me the specific information requested in my initial cease and desist/debt validation. Phoenix Financial Services LLC XXXX XXXX XXXX, XXXX is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TX

Complaint narrative:
I have numerous inquiries on my credit report that I do not recognize and have not authorized these companies to pull my credit file : XXXX XXXX XXXX XXXX XXXX Equifax Mortgage see XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX Capital XXXX XX/XX/2021 XXXX have written Equifax, XXXX, and XXXX numerous time to have them remove and they have not done so. They are violating my rights as a consumer by promoting identity fraud and in accordance with the Fair Credit Reporting Act, has violated my federally protected consumer rights to privacy. 
15 U.S.C 1681 Section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions and I have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: NY

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 2022-04-19 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: MO

Complaint narrative:
In Accordance with the Fair Credit reporting act THESE COMPANIES have violated my rights : 15USC 1681 Sect 602a states I have the right to privacy. & 15 USC 1681 sect 604a Sect 2 also states a consumer reporting agency can not furnish a account without MY written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19 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: NC

Complaint narrative:
In the accordance with the fair credit reporting act XXXX  account # XXXX, has violated rights. 
15 U.s.c 1681 section 602a 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. XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # 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 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protection consumer rights to privacy and confidentiality under 15U.S.C .1681 ... the accounts below has violated my rights. 15 U.S.C. section 602a state i have the right to privacy ... ..15 U.S.C 1681 1681c ( a ) ( 5 ) Section states : NO consumer reporting containing any of the following items of information any other adverse item of information, other than records of CONVICTIONS of crimes which antedates the reporter by more than 7 years. 15 U.S.C. 16811s-2 ( A ) ( 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 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: AL

Complaint narrative:
Binance XXXX XXXX exchange changed their privacy policy ( required to agree to sharing of biometric data with 3rd party affiliates ) and will not allow me to access my account unless I agree. I was not provided prior notice or warning of the change or allowed the opportunity to withdraw my funds if I do not agree to this change. Below is the prompt requiring consent in order to access my funds. 


" BAM Trading - Biometric In-Product Consent for End-Users Changes to our Terms of Use take effect on XX/XX/2022 By agreeing below, you allow BAM Trading Services, Inc. and its related companies and affiliates ( BAM, we, or us ) to collect , via a third-party service provider that provides the biometric technology, a photograph and/or short video of your face and a copy of your government-issued identification card ( ID card ) to create a scan of your facial geometry ( Biometric Data ). 
We use this Biometric Data to verify your identity for security purposes, by comparing the image you provide with your image in your ID card. This allows us to make sure that you are the same person as shown on your ID card and that your ID card is legitimate. We may share Biometric Data with third-party service providers who assist with our IT, security, and fraud programs, our professional advisors, in a business transfer such as a merger or acquisition, and as required by law or regulation. 
For more information on how we use, share, and retain Biometric Data, please review our Privacy Policy.

If you do not agree, you will not be able to use the BAM app and platform.

I agree to allow BAM to collect and share my Biometric Data for the purposes described above. I acknowledge that my agreement to this form constitutes my written consent to the collection and sharing of Biometric Data as described in this form. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: 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. 
XXXX XXXX XXXX account # 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 non-monetary relief
Consumer complaint received 2022-04-19 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: 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. 
XXXX XXXX XXXX account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: ID

Complaint narrative:
On XX/XX/2022 a scammer disguised as an interested buyer on XXXX marketplace became interested in the product and he said he can only use Zelle to transfer money to buy the product. He pretended to send the money, sent a fake screenshot of the transfer, and then sent a series of fraudulent emails replicating a real bank Zelle email. The first email stated : " We have a problem crediting your funds {$300.00} because the account status is not a business user which makes your account have limits. 

This amount seems to be above your limits so you have to take this urgent step to expand your limit To fully expand your account into a business account, contact the buyer of your item to send in an additional payment of {$300.00} into your Zelle account to expand your limit. Soon as this is done, we will credit your account with the total sum of {$600.00} and free {$50.00} bonus from Zelle user administration. '' The second email stated : " We congratulate you for successfully upgrading your account to a Business User which gives you Unlimited Access to receive any amount of money from now on.

For your account to be credited fully with the sum of {$650.00} USD. You are required to contact the sender to refund back the sum of {$300.00} USD so as to secure the additional payment sent to expand your account. 

Below Is The Instructions : Contact the sender for information to refund back the {$300.00} USD Take a picture of the {$300.00} USD payment and reply to this email. 
Instant {$650.00} USD into your Zelle account. " Additional emails were sent by the fraudulent bank emails to send additional money. At this point, I finally realized this was a scam but still ended up losing {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted XXXX a number of times. My file was frozen and I contacted them the day before I was to go for a loan. The bank was unable to pull my loan. I called XXXX 3 times that day to let them know my credit has been still frozen. I then called 2 weeks later and I was still unable to pull my credit. I have been unable to get a fresh credit report since XX/XX/2021! I get the 2 bureau report from Experian and I cannnot pull it from XXXX annual credit report. XXXX swears its fixed but it hasn't been. This goes against my civil rights.

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 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-19 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: AL

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 XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: NV

Complaint narrative:
I have contacted all bureaus regarding these fraudulent accounts and inquiries. This is violation of my consumer rights and the ftc, cfpb. The law prohibits all credit bureaus to report fraudulent accounts. all information must report accurately. This information must be deleted immediately. This has dropped my score XXXX points.

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 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have numerous inquiries on my credit report that I do not recognize and have not authorized these companies to pull my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  see XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX have written XXXX, TransUnion, and XXXX numerous time to have them remove and they have not done so. They are violating my rights as a consumer by promoting identity fraud and in accordance with the Fair Credit Reporting Act, has violated my federally protected consumer rights to privacy. 
15 U.S.C 1681 Section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions and I have not done so.

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 2022-04-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have numerous inquiries on my credit report that I do not recognize and have not authorized these companies to pull my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  see XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX  XXXX XX/XX/2021 I have written XXXX, XXXX, and Experian numerous time to have them remove and they have not done so. They are violating my rights as a consumer by promoting identity fraud and in accordance with the Fair Credit Reporting Act, has violated my federally protected consumer rights to privacy. 
15 U.S.C 1681 Section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions and I have not done so.

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