vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: IL

Complaint narrative:
15 U.S. Code 1681b-Permissible purposes of consumer reports. I never gave XXXX XXXX, XXXX, or XXXX any written consent to add this on my credit report. 
Jefferson Capital System # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$940.00} Jefferson Capital System # XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I made a deposit in XXXX it was placed on hold for 5 months I was then told the treasury dept said not to let me receive the money so my account closed I contacted treasury and they said check was valid and never discuss anything about not releasing my funds to me

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 2024-01-03 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: MO

Complaint narrative:
TransUnion LLC is continuously reporting fraudulent erroneous items on my consumer report. After I provided an FTC report & statement has to why the information is not only fraudulent, but also reports inaccurate information & violates Federal Law under FCRA. 

XXXX XXXX attached ; is a current up to date report that solidifies the information. Charge-off accounts shouldn't even be reported in first place. Account stop reporting in XXXX with a {$0.00} Payment Received but, for some odd reason its reported on-time payments from XXXX to 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 2024-01-03 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: KY

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: KY

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.

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 explanation
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
On XX/XX/2023 I was in XXXX and was attending a XXXX concert and needed to purchase two tickets. I met up with XXXX XXXX who claimed he had two tickets in Sec XXXX for {$220.00} and we arranged a Zelle transaction for the purchase. He had mentioned he and his partner couldn't make the show and had two seats in Row XXXX XXXX- they were part of a 4-day pass. He agreed he would send me the tickets on XXXX, and we figured we would make the transaction with Zelle because it's linked up my bank. He assured me I had nothing to worry about. He mentioned " let me know when you send money so I can make the transfer. I'm no scammer. '' He even sent me screen shots of the tickets. He swore he would send the tickets. I sent the money transfer to his girlfriend XXXX XXXX XXXX he said " hold on, let me just confirm. '' Shortly after he ghosted and ran away. I filed a police report with the XXXX XXXX XXXX complaint report : XXXX - XXXX - XXXX reported to P.O. officer XXXX XXXX # XXXX. I then filed a dispute with my bank XXXX claim # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had money that should have been refunded never received on a few different occasions I only stuck with this company because of the amount of years I have been a customer

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 2024-01-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-03 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: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-03 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: MI

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-01-03 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: TN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-01-03 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: TN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KS

Complaint narrative:
Submitted PSLF application for 2023, and requested forbearance, as I have enough qualifying payments for my loan to drop to a XXXX balance. They were only waiting on employment verification. I submitted this request on XX/XX/2023. They still have not put my loan in forbearance, reviewed my PSLF application, nor my employment verification. They continue to harass me for payment, report to the credit bureaus, and show that I am past due, when my balance should be XXXX. I sent a message asking about the forbearance on XX/XX/2023, they responded with a request for payment on XX/XX/2023, completely ignoring my question about forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is now fabricating complaints saying I submitted 2 complaints on XX/XX/2023 and states it about to things I closed a year ago b paying off debt, FRAUD FRAUD FRAUD, This company has no idea what is going on with my account for almost 20 months, THEY ARE DAMAGING MY CREDIT

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 2024-01-03 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2023, at XXXX ; XXXX, I entered the Citibank branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX to use the ATM. I withdrew $ XXXXfrom my checking account., Upon completing the transaction, a man wearing a mask and sunglasses tapped my arm, and pointed to a XXXX $ bill on the floor directly below the ATM I had used. I thought perhaps I dropped the bill, and immediately took my wallet from my backpack to see if I had the XXXX dollars, which I did.I returned my wallet to my bag. I told the man the money was not mine. He then picked up the bill and began waving it in my face. I repeated several times the money was not mine, and left the bank. 

I went across the street to meet a friend in a restaurant. While waiting for her, I decided to check my checking account balance on my mobile app. I saw two withdrawals were made after I withdrew the {$60.00}, from my checking account_____a teller withdrawal for {$4800.00}, and an ATM withdrawal for {$1500.00}. ( I later realized an additional {$1000.00}. was taken from my savings account. When I returned my phone to my backpack, I realized my wallet with my debit/credit card, other credit cards, driver 's license and Social Security card was missing also. 

I immediately returned to Citibank, and reported the incident to XXXX XXXX XXXX, a Personal Banker at the site. He called the Citibank Fraud Protection Unit, closed my accounts and opened new ones. While he was doing that, I called other credit card companies to stop anymore transactions from occurring, and called the police. Although the police never arrived, a completed an online report later that day. 

The reason I'm reaching out for help is that, to date, Citibank has only reimbursed

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 2024-01-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Comerica
State: FL

Complaint narrative:
In XXXX of 2023 I paid for a Dr appointment and then was remembered direct express refuse the initial refund and the refund was on hold I finally got intouch with direct express and they reversed the charge then on XX/XX/2023 direct express took XXXX $ off my card without any explanation of letter or phone call or email I've been trying to reach them but I can't get through I just want a explanation as to why they couldn't contact me thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One is reporting inaccurately erroneous information my consumer reports. All XXXX of Major Consumer Reporting Agencies. I know there's isn't a late payment on my behalf but, for some odd reason the late payments are reporting are inaccurately in each agency. 

XXXX has a 60 day late in the month of XXXX during XXXX. Makes no sense at all. It is a clear violation of Fair Credit Reporting Act. It's 100 % inaccurate information furnished on my behalf that damage my consumer credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: Experian Information Solutions 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.

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 explanation
Consumer complaint received 2024-01-03 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I was initially looking to purchase a XXXX XXXX XXXX as a present for my wife and I was able to find an affordably priced one through XXXX XXXX. I asked the seller if they would be able to accept payment through XXXX, which I know would be protected a little bit through their payment processing. He said that he is Currently having some issues with XXXX payments but we could try it. After that did not correctly process he advised that we could use cash app to be able to transfer half of the money so that way he could cover shipping and once he provides me a tracking number, then I can send the rest of the funds. 

I send {$130.00} through cash app and he advises that the package will be to me by Wednesday and I have been unable to get a hold of the gentleman since. 

I then create a dispute with my bank at XXXX XXXX XXXX XXXX in Michigan, and they advise me that due to cash app and me authorizing the transfer of funds that they are unable to do anything with their dispute process, and to reach out to the company cash app for resolution. 

I created a dispute with cash app, where they effectively tell me that there is nothing that they can do, and that their platform is only for sending money to known individuals. Their dispute process allows me to request a refund from the individual who took my money who has XXXX incentive to send it back and once the individual declined the refund cash app says that they tried to get their refund and theres nothing else they can do. 

I even tried to do a chat with two different individuals, who just kept providing me a copy and paste response that I need to resolve this matter outside of cash app and cash app doesnt have any policies or procedures to be able to protect consumers for product purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit 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: FL

Complaint narrative:
Hello, I had the following issues with my Chase account and card : ( 1 ) On XX/XX/XXXX, I sent a XXXX to a friend for {$80.00} that I owed her. However, it was sent to the wrong account because my friend had changed her phone number, and Chase never warned me that she had changed her phone number even though I had updated her contact information. We tried to rescind the transaction on XX/XX/XXXX, but Chase did not issue me a refund. I had submitted a few claims with Chase, but my {$80.00} was never returned. I wanted to recover my {$80.00} because I was not promoted with a warning of my friend 's number change before sending the XXXX, so I had no way of knowing that Chase did not update her number since other banks update the contact information automatically, and other banks also prompt the user with a message asking " are you sure you want to send XXXX a XXXX '' and I never received this promo before sending the money. 

( 2 ) On XX/XX/2023, I had cashed in a gift card for {$55.00} worth of points. I was told that it was emailed to me. The order number is as follows : XXXX. 

I have not received the gift card. 

I reached out on XX/XX/XXXX about this issue and was told my claim would be escalated. It was. Then, the person of higher authority told me to check back in a few days to give the system a couple of weeks. After doing so, he told me I would get my gift card. I never received the card. I reached out again on XX/XX/XXXX via email, and on XX/XX/XXXX, and I was told I would receive a follow-up call to reissue the gift card. I received the call. I was told my claim would be escalated and someone would get back to me. This never occurred and I still have not received my gift card.

Company response to consumer: Closed with explanation