vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
I inquired about the status of a XXXX  XXXX XXXX made in XX/XX/XXXX. I have screenshots from my online bank account showing... 
XXXX. XXXX  XXXX XXXX details XXXX. XXXX  XXXX XXXX confirmation XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. GoodLeap PDF Payment Record ( attached ). 

I called GoodLeap customer service ( XX/XX/XXXX ). I made an additional online/eweb payment ( {$190.00} ) because my bank bill payment ( {$190.00} ) had not posted to my GoodLeap account yet and I did not want my GoodLeap account to go into past due status. I was informed that I needed to wait 7-10 business days before bank bill payments to post to my GoodLeap account. I asked that notes to added to my GoodLeap account noting that I was expecting an extra payment ( {$190.00} ) from my bank bill payment to be processed. 

I called GoodLeap customer service on XX/XX/XXXX because my bank bill payment ( {$190.00} ) still had not posted to my GoodLeap account. I was informed by GoodLeap Customer Service that the bank bill payment check had been received ( XX/XX/XXXX ) but it was not made out to GoodLeap. I was not informed who the check was made out to. I was informed bu GoodLeap Customer Service that the check was not credited to my GoodLeap account, and the check was returned. My bank still has not received the returned check and neither have I received a returned check from Good Leap to my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
Over 60 days ago I have been contacting these consumer reporting agencies as they are accessing and reporting and furnishing information that I NEVER authorized. I demand the following inquiries hard and soft be removed immediately as they are reporting and furnishing information that i NEVER authorized. They are causing me damage, harm, and illegally reporting and furnishing information without my consent. They owe me violation fees for illegal use of my Credit file. I need you CFPB to make sure they get these inquiries that I never consented to removed and deleted immediately. They are not complying and I am suffering from stress and harmful XXXX  caused by these non affiliated corporations and they are abusing me and my information. 

I need the following inquiries to be deleted and removed from my credit file and I need my file updated as I have instructed below. I am tired of the abuse of these corporations and companies violating me and my rights. This is against the LAW. 

Delete NOW!!! 
I NEVER CONSENTED TO ANY OF THESE INQUIRIES. MY information and informed use of credit has been illegally accessed. BY law Every single PERSON Must have my Written consent and permissible purpose and my signature from me allowing these reportings and transactions, which I NEVER gave them. They MUST send me a copy of ALL the transactions and letters proving that I consented to XXXX, Equifax, and XXXX. They Must provide me a copy of ALL transactions accompanied with my written letter and my written consent to furnish my information. If they do not have a copy then they are in breach of contract, committing securities fraud, and I will check my file and if they are not removed as i have requested, I will also be notifying the IRS for their illegal and bad business practices : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Done in good faith, Without prejudice By : XXXX : XXXX, XXXX Agent For : XXXX XXXX Principal Without recourse . All Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$7900.00} XXXX XXXX {$650.00} XXXX. XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I transferred money from a Chase checking account to a bank in XXXX ( that uses the euro ) in XXXX of XXXX. 

The money sat in the account and was untouched until I transferred it back to the same Chase account based in the XXXX in XXXX of XXXX. 

For each of these transfers I contacted customer service several times and was reassured that the only cost would be modest fees ( < {$100.00} ). 

I am concerned because the exchange rates Chase used were not consistent with any data I have found online for what the exchange rate should have been at the time of each transfer. 

On XX/XX/XXXX, the initial wire was sent at an exchange rate of XXXX EUR : USD ( per Chase ). The money was then sent back to Chase on XX/XX/XXXX, at an exchange rate of XXXX EUR : USD ( per Chase ). 

If I look at the data provided by XXXX and other sources, the dollar should have been stronger on the way into XXXX XXXX - XXXX ( XX/XX/XXXX ), and the euro should have been stronger on the way back to Chase in the US XXXX at XXXX - XXXX ( XX/XX/XXXX ). 

I have tried contacting Chase through several channels attempting to better understand the discrepancies between any publicly available exchange rates and those used by Chase for the transfers. 

I have reached out to Chase Bank 's 1-800 customer service line several times, the matter has been escalated to several more senior members of the customer service team, and I have also had separate conversations with multiple financial planners at Chase. 

No Chase employee has been able to provide clarity on any of the following : ( a ) how Chase determines the exchange rate used, ( b ) why there is such a marked discrepancy between Chase 's rates and those found online ( per XXXX and other sources ), ( c ) why I was not informed that there would be hidden fees baked into the transaction, ( d ) who are the parties involved in the transaction and what are their respective fees, ( e ) where and how Chase discloses to customers the exchange rates that will be used in foreign transfers, and any and all fees ( hidden or otherwise ) involved in a transaction. 

It has been complete obfuscation at every touchpoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I called in XX/XX/XXXX to cancel my XXXX XXXX XXXX XXXX because i did not want to pay the {$99.00} annual fee. The person I talked to suggested an XXXX XXXX. I accepted the offer. Later, I found out the Executive had a {$590.00} fee AND she had not cancelled the Platinum Select. I never got a bill for the Executive and later found out I had a late charge. I paid the bill immediately.

When I called to close the Executive because I didn't want to pay the {$590.00} fee I had never been told about, the representative would not allow it, but wanted to downgrade both the cards. I told her I wasn't happy with that, so she put me on hold for XXXX minutes and then the line went dead.

It gets worse. After I paid the Executive bill, I realized I had
over paid by {$600.00} + dollars and Citi would not release my money because " the cards are cahnging over and it just can't happen now. '' XXXX I returned some shoes for {$120.00} on thea card on XX/XX/XXXX and it still hasnt shown up. So that's {$800.00} approximately of my money Citi is holding without interest.

From the beginning I was mislead and now cheated. Please help. 
By the way, I still had to pay the {$99.00} fee and spend about XXXX hours of my time.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this has done nothing. Please help me delete these illegal accounts from my credit reports. 



XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi So this company XXXX XXXX XXXX  and XXXXXXXX XXXXXXXX  did fraud on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Regulation Z TILA was violated criminal acts 16usc 1611

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 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
The original creditor XXXX XXXX XXXX XXXX XXXXXXXX Sold the debt to a debt collector other than national credit adjusters that is reporting on my credit {$910.00}. National credit adjusters has been notified numerous of times that they are not authorized to collect on his debt.I have found numerous of disputes with the credit Companies about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: KY

Complaint narrative:
My student loans were transferred from XXXX to Mohela XX/XX/XXXXXXXX  and ultimately forgiven as part of PSLF/XXXX I've received confirmation lettters and XXXX balance across all accounts ( Mohela, Department of Education, XXXX  ) XX/XX/XXXX. On my credit report, however, it is showing my student loans are doubled -- BOTH XXXX  and MOHELA are showing my student loan debt so it appears I actually have double the amount of student loans which is a sizeable amount. This is unacceptable -- I have not had a balance with XXXX for almost a year, and it has been almost four months since my loans were forgiven under PSLF/XXXX. This has negatively impacted my credit score, my debt to income ratio, and is prohibiting me from buying a second house and car. Please address this as soon as possible and remove these balances from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. The status needs to be changed to " PAID, CLOSED/NEVER LATE ''. If not changed i will be forced to take legal action Heres the list that has erroneous inaccurate info on my credit. Must be REMOVED immediately!!!! 

DEPT OF ED/XXXX Account : XXXX DEPT OF ED/XXXX Account : XXXX DEPT OF ED/XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX 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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: CO

Complaint narrative:
US BANK REFUSES TO ADDRESS THIER ERROR ON MY CREDIT REPORT DUE TO CUSTOMER SERVICE STATING BECAUSE THERE IS FRAUD ON MY ACCOUNT DO NOT MAKE A PAYMENT. US BANK ASLO REFUSES TO LISTEN TO RECORED CALLS AND STATES ONLY THE INVALID ADDRESS CAN ADDRESS THE ISSUE ON MY ACCOUNT. I HAVE MAILED THEM A LETTER MULTIPLE TIMES THAT HAS BEEN RETURNED TO SENDER EVERY TIME EVEN AFTER VERIFYING THE ADDRESS MULTIPLE TIMES. THIS ISSUE IS ON GOING BEYOUND A YEAR NOW.

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 2024-01-22 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:
On XX/XX/year>, I was charged {$1200.00} by XXXX XXXX XXXX for a ticket from XXXX to XXXX. The flight departed XXXX XXXX XXXX XXXX at XXXX XXXX  with the gate shutting around 30 minutes prior per usual. The ticket was not issued until, XXXX XXXX XXXX time, which is XXXX XXXX  CST. Which is AFTER the plane departed. We ( XXXX and I ) contacted the travel agency immediately and was told they would not issue a refund as this was an airline concern. We then contacted the airline ( XXXX XXXX # XXXX ) and was told that it was a travel agency issue and they refused to give me a refund as well. On the phone with XXXX they admit to issuing the ticket after the plane had departed ( see video clip attached ). The ticket was unusable and services were not rendered. My bank account now ( Chase ), although I filed a fraud claim twice, is pushing the charge through as authorized. My account is overdrawn due to this mishap and I risk my account being closed down or worse being sent to collections. I have a time stamped email of when the plane ticket was sent which also proves it was sent after the departure time of XXXX XXXX  ( see attached photos ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I not liable and should not be held liable in any form for this debt with I do not have a contract with They did not provide original contract as I have requested from them. 



Immediately correction ti my credit report. I personally DEMAND IT TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$120.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$340.00} XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2200.00} -XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2200.00} 15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-01-22 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach. The engagement number Equifax assigned to me is : XXXX. The breach has cost me time and money trying to repair my credit and Equifax has ignored I submitted a claim on XX/XX/24 for the breach and I will attach a copy of that as well. 
( CLAIM # XXXX )

Company response to consumer: Closed with explanation