vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: CBC Companies, 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 U.S.C 1681. Has Violated my rights. XXXX. Account Name : XXXX XXXX / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX Account Number : # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Has Violated my rights. XXXX5 U.S.C 1681 Section 602 A. States I have a 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 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 2023-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.

Complaint narrative:
Between XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX CAD from my CRYPTO.COM account to fraudulent investment firm ( s

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX  I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: NJ

Complaint narrative:
I do not recognize these inquiries which are affecting my credit report XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX I do not recognize this account which appears as a collection on my credit report, please delete : Account name : XXXX XXXX XXXX Account number : XXXX Balance : {$290.00} Account name : XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: NJ

Complaint narrative:
I do not recognize these inquiries which are affecting my credit report XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX I do not recognize this account which appears as a collection on my credit report, please delete : Account name : XXXX XXXX XXXX  Account number : XXXX Balance : {$290.00} Account name : XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX Phone number : XXXX Im here to explain a condition with my auto loan from chase bank. I went thru XXXX XXXX to purchase a vehicle. I have the contract from chase bank which I agree on a price. But I never talk to chase bank to agree on any information no interest or any amounts. The company XXXX XXXX set up all the paperwork. They also found the loan company in chase bank. They ran my credit 7 times unauthorized which dropped my credit score so refinancing is a problem. The company acted despite on selling the vehicle to run my credit that many times without comfirming. Now Im stuck with a XXXX dollar loan when the vehicle was never worth that much in the first place it was a used vehicle. A XXXX dollar car note. I never received a contract from chase bank to see where I signed to pay XXXX for a vehicle. I remember what total price owe after down payment and the monthly payment I agree on. Some how XXXX went through some info with the loan that wasnt explained to me. Only between them and chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: PA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: NY

Complaint narrative:
account number XXXX account number -XX/XX/XXXX I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering my life financially. This account is reporting twice on my credit report with 2 different account numbers. At this point I feel as if I am being bullied by this company.

According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I am not liable for this debt with XXXX XXXX XX/XX/XXXX XXXX nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: NY

Complaint narrative:
account number XXXX account number XXXX  I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering my life financially. This account is reporting twice on my credit report with 2 different account numbers. At this point I feel as if I am being bullied by this company.

According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I had a monthly bill of {$210.00} due on my Bank of America Visa card. On XX/XX/2023 I made a payment from our Bank of America checking account in the amount of {$20000.00} instead of {$210.00}. On XX/XX/XXXX I immediately recognized my error and contacted the bank. The bank said that they could see the error and would refund the over-payment via check in 10 business days. 10 business days came and went and we did not receive a check. We called again and were told that they were working on it and would give us an update in 2 business days. We called again in 2 business days and were now told that they would ACH the funds back to our checking account, the account where the payment was made from, and that would take 3 business days. 3 business days went by and no ACH refund was made. We called again last week and were told that they were still working on it and we would be contacted by a " case manager '' on Friday XX/XX/XXXX. We were not contacted by anyone at Bank of America. As of today our credit card still shows an over-payment ( credit balance ) of - {$19000.00}. Every time we call Bank of America we are either told that they are working on it or we will get a refund shortly, which has not happened. We are now one month in from when the over-payment was made and the bank is still holding onto {$20000.00} of our money and we need it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CITI BANK, XXXX XXXX XXXX  Account Number XXXX complaint, I am a Home Depot pro rewards customer since XXXX, I have used the card in the daily administration of my realestate investments and many other home refurbishing. For several Months we have awaited a replacement card in the mail. We Live a a small incorporated Town Of XXXX XXXX. We Do Not have mail Boxes, as I explained and have always received my mail, Bills, ads, and previous Cards from Home Depot Credit card statements and cards at that XXXX XXXX XXXX. XXXX XX/XX/XXXX we called XXXX XXXX XXXX XXXX Citi BANK and talked Rep XXXX, and instructed her to add XXXX XXXX XXXX the Physical address as requested, But on XXXX separate events, the new card was sent the EXACT same way. and XXXX to CITIBANK as non deliverable. Citi bank in fact XXXX suspended my account with no Notice. I was instructed to use old card until they could send new card. In a recent XXXX in XXXX XXXX my card was declined. I had my wife call and she talked to Citibank XXXX and the rep asked her the name of the cards original application company from XXXX years ago. My wife complied as to the best of her knowledge and was in fact correct. The rep Cancelled the card and indicated verbally that my wife had requested it to be cancelled, My wife indicated She in Fact DID NOT Cancel, but inquired Why she, had cancelled by pushing a cancellation card button and could not change it. Her actions were COMPLETEY FALSE and Malicious for reasons unknown. My card has never been late, and was in good standing, In Fact HD credit recently Increased my Limit on their Own. I have contacted XXXX XXXX and was told mangers would review the taped Conversation too verify my statement that the card was not cancelled by the Non card Holder as accused by their Employee, dates were Friday XX/XX/XXXX then once again, I recalled on Mon XX/XX/XXXX and was told it was in review. I at no time canceled the card. and Recently Sent in a Fax as requested by Supervisor XXXX XXXX verified NY XXXX Registered Business and its Verified Status. I was instructed Because She Fraudently closed my account id have to reapply. As I am on a high Tier Purchaser I would lose Substantial Perks and Financial incentives I have accumulated. I have accumulated over XXXX k in reward real money purchases and have spend XXXX in my purchases sense then Card was originated, THEY encouraged and requrest this PRO account to me Because off my vast amount usage and in store purchases. I feel wronged and ask consumer I have been subjected to Unfair business practices that border of XXXX. Please review my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: 1st Franklin Financial Corporation
State: TN

Complaint narrative:
1st Franklin has failed to verify the debt reporting to XXXX under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: WV

Complaint narrative:
XX/XX/ : I filed a dispute as there where multiple transactions I did not make or authorized totaling {$1900.00} On XXXX XXXX XXXX  : I got an email saying it was denied On XXXX XXXX XXXX XXXX I filed a rebuttal, this time with evidence where I was in the XXXX XXXX XXXX XXXXXXXX  event during this time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I informed them my phone was temporarily stolen while I was in the XXXX and that I did not make or authorize these purchases. 

XX/XX/ : They denied my dispute again, even with the concrete evidence I had. 

The reason for the denial was this exactly from the email I received : Transaction history reflects a pattern of adding monies to the account and spending them relatively quickly. 
Transactions on Virtual card, customer in control of Device - Disputed transactions are from the customers assigned Virtual card, and there is no evidence that another device accessed the customers account during the time the disputed transactions occurred. 

First of all, what does me spending and moving money quickly have to do with anything? 

Second of all, they claim I was in control of the device even though I sent concrete evidence that I was admitted to the XXXX XXXX XXXX XXXXXXXX event during the time these purchases were made. How can I be in control of anything under anesthesia? 

Third of all, of course no other device accessed my account because again my phone was temporarily STOLEN while I was under XXXX 

Its very clear, this company did not listen to me at all with anything I said. At this point, respectfully they are just asking to be sued. 

My phone was stolen temporarily, and used to purchase things fraudulently. Things that I did not authorize. I sent them evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are still denying my disputes even with evidence. 

I am filing with the XXXX XXXX XXXX as well, as this is just ridiculous and a clear violation of regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/ I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/ I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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