vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I XXXX XXXX XXXX ; in XXXX XXXX, Affirm  under penalty of perjury under the laws of the United States of America that this statement is true and correct ; Dear XXXX XXXX XXXX of XXXX XXXX XXXX, & XXXX XXXX XXXX of XXXX XXXX XXXX XXXX I Have no knowledge of this Account XXXX XXXX XXXX, XXXX XXXX XXXX, I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX XXXX, of XXXX XXXX XXXX or XXXX XXXX XXXX of XXXX XXXX XXXX XXXX or, XXXX XXXX  ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab initio! 

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. 


Now that you have been notified that this information is inaccurate, I XXXX XXXX XXXX ; ORDER you XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX to Immediately Delete this account XXXX XXXX  XXXX, XXXX XXXX XXXX, with XXXX XXXX from my Consumer Report in accordance with 15 U.S.C 1681 s-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. 

as this file XXXX XXXX XXXX, XXXX XXXX XXXX has damaged XXXX XXXX XXXX ; image, name, likeness, reputation and also damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & all consumer reporting agencys and XXXX partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! 

I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. By XXXX XXXX XXXX of XXXX XXXX XXXX, & XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Pay to the order of : 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 2024-04-03 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: Block, Inc.
State: IL

Complaint narrative:
My identity was stolen over a year ago and cash app denied my disputes. I was told they should have refunded my money because its a violation of my consumer rights, they provided a documents that showed no evidence and closed my case and said no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-03 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I am writing to complaint to MACYS/CBNA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-04-03 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I have an American Express XXXX card expiring on XX/XX/XXXX. Last time I used this card was XX/XX/XXXX and the company suddenly closed the card on XX/XX/XXXX. The card was issued and used In California. 
I called the company and they said that the state closed the card. I asked for the reason and they were not able to tell me anything. I asked for the contact number, where I can dispute this. They were not able to give me any more info than that the state closed my card. 
I called the company on XX/XX/XXXX, and the agent said that her name is XXXX XXXX ( if that is true, it was clearly an XXXX call center ). 
I checked the law and I seems that it is illegal to close the gift card which I was still using. They completely closed my access to the account so I can't even check my transactions on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2024-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I terminated my service with XXXX XXXX and confirmed that there was no outstanding balance. They also sent me an email confirming the same. However, in XXXX, I received a bill of {$110.00} from XXXX XXXX, which I immediately disputed. They acknowledged that there was no balance due. In XXXX, I received a collection notice from Eastern Account System of Connecticut , Inc, demanding the same amount of {$110.00}. Once again, I contacted XXXX XXXX and they assured me that I owed no balance. I also contacted Eastern Account System of Connecticut , Inc. to raise a complaint. 

On XX/XX/XXXX, I received another collection notice from Eastern Account System of Connecticut , Inc . I contacted XXXX XXXX and spoke to XXXX, who confirmed the previous calls I had made to complain about the balance and verified that I do not owe any balance. XXXX transferred me to their collection department to have the collection notice removed. I spoke to XXXX in the collection department, who advised me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I connected with a woman named XXXX XXXX, and she offered me guidance on investment opportunities. As we kept talking, she mentioned that her 'aunt ' was also actively involved in providing coaching and advice in cryptocurrency investments. 
At a certain point in our conversations, there was a setback in which I lost {$15000.00} USD. In response, XXXX offered to help, and she attempted to recover the funds by depositing them into what I believed was a legitimate XXXX account. 
XXXX years prior to this incident, I had purchased XXXX ( XXXX ) and I just kept it in my ledger. I decided to transfer my XXXX holdings from my ledger wallet to XXXX. 
The scammers offered me to assist in navigating the transfer to XXXX. Initially, they appeared seamless and trustworthy. I conducted a smaller withdrawal, which went off without a hitch. However, when I attempted to withdraw my entire XXXX holdings, my account was abruptly frozen. 
To compound the situation, the scammers demanded an exorbitant sum of {$20000.00} USD in fees to unfreeze my account and release the funds. It was at this distressing point that the harsh reality dawned upon me - I had unwittingly fallen prey to a sophisticated scam. 
Since this was my first attempt at cryptocurrency investments, I didn't initially suspect anything was wrong or suspicious. It was only later that I realized I had fallen victim to a scam, and I felt deeply disappointed. 
Furthermore, I was disheartened by the fact that these fraudulent transactions, which amount to a staggering XXXX USD from my Wells Fargo account, could have been easily prevented, as they were completely out of character for me and diverged from my previous financial decisions.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
ACCOUNT NAME : XXXX. This company is in direct violation of the FCRA with the inaccurate information being furnished to the credit bureaus. This company does NOT have my consent to furnish these accounts to any third party or credit bureau. This account has many inaccuracies including ; original balances not matching, there is NO account number listed, the account type listed does not match on any of the credit bureaus. I want this account removed 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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
So on XX/XX/XXXX I received a XXXX $ check from my grandmothers estate, I attempted to cash it through my chase mobile app, I received an email immediately stating my account was flagged and I needed to reach out to the bank. I called the next morning and they told me my account was fine and that my funds would be available in XXXX days. Funds werent available until XX/XX/XXXX I believe and once they were, my money was pulled as a DEBIT-XXXX and then my account was shut off. Ive called numerous times trying to get them to lift the hold/cancel the transaction so I can just get written another check. Apparently they arent able to establish a connection with the estate because their number isnt registered. I finally decided to just go into a local branch and see if they could help me. I met with the operations manager and after about XXXX minutes she told me there wasnt anything they could do and that there was nothing keeping me from cashing the check at the issuing bank. I asked if she was sure and she told me yes so the next morning on XX/XX/XXXX I went and cashed said check. A few hours later I receive a call from the estate lawyer office saying the executors account was charged twice, ( check was cashed twice ) and that if I dont return the money hes going to press charges for fraud. Called chase bank immediately and they will not give me any answers, wont give me any alternatives and continue to hold my money when they said they werent, and STILL wont give me an explanation as to why my account was shut off. Thats basically the whole situation in a nutshell. Anything that you can do would be greatly appreciated because I need this money for my car and its becoming an emergent thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I received a notice of lapse, from my insurance company in XXXX of 2023. I immediately contacted Carrington Mortgage LLC to inquire about the notice, as they are my mortgage company and are responsible for paying my homeowners insurance via Escrow. I spoke to several agent at Carrington to work on getting the issue resolved. I was told Carrington had mailed a check for payment to my insurance, to my then insurance company XXXX, on my behalf. I then Inquired with XXXX about the Notice of Lapse, and was told they received a check and would reinstate my Home owners insurance on XX/XX/2023. According to the insurance company Carrington put a stop payment on the check, which they sent for payment. This again caused an issue and they mailed another notice of lapse. I made another inquiry to Carrington, I was sent a confirmation of my inquiry, and shortly I received an email stating they had made contact with the insurance agent. However, I have now been dropped by my insurance company, and I am having a difficult time finding a company to insure my home, due to me being dropped by my insurance company. The companies that are willing to insure my home, are quoting high annual premiums. Much higher than my previous policy. This error on the mortgage companies behalf, has caused me undue hardship. Carrington has not taken responsibility for their error, nor have they made any real attempt to correct their error. My mortgage premium was previously {$1200.00} it is now {$3100.00}. This is a substantial increase, and has put a dent in my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act. XXXX XXXX I OWE {$1200.00} DATE OPEN XX/XX/2023 & XXXX XXXX I OWE {$1700.00} DATE OPEN XXXX are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called Bank of America because so many unknown charges and every time I put money in my account I would have to immediately transfer it or Bank of America would just charge me and take money from my account with no explanation and every time I called and they just said it was my fault it was my fault and so today I had {$25.00} in my account which I transferred out into my XXXX not even an hour later I check my Boa account and its {$30.00} in the negative?? Mind you I purchased nothing at any point in time all I did was a transfer for several hours I couldnt get a hold of anybody and when I did I was explain that these charges keep happening and I received about XXXX minutes of silence on my phone and was told word for word I didnt even know how to do any of this and XXXX seconds later I was hung up on, aside from the fact Im already beyond frustrated that just XXXX  me in the chest Im not asking much but to be respected and listened to and at least know that the people Im calling for help know how to do there job I still havent gotten a hold my money is being taken till this day and nobody is helping me and I have no idea how to get in contact with Bank of America

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are XXXX addresses on my XXXX XXXX credit report that are not mine, and never were. There is XXXX XXXX negative reporting, that should be off, It's over 14 years. There is also things that were applied for and are not mine. My social security card was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681 C ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following information or any other adverse items 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 report agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For the past 6 months I have disputed items on my credit report, each time all XXXX credit reporting agencies along with the companies reporting fraudulent information. This has been since XXXX of XXXX, I have had to make a police report along with sworn statements, certified letters and notaries to correct the violations of my consumer rights. They have failed to show any proof of any account that has been disputed. I have personally called and been told that the credit reporting agencies have their own laws and dont have to remove anything on my credit report, this just happened XX/XX/XXXX. Attached are documents of arbitration in which I am demanding monetary relief for their blatant disregard for my consumer 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