vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX Property Address : XXXX XXXX XXXX XXXXXXXX XXXX, Louisiana XXXX XXXX has come XXXX our attention that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX is our new debtor ( s ) as of XX/XX/XXXX in the year XXXX? 

Hello, we are your new XXXX XXXX XXXX. Although, the company/companies have only purchased a piece of paper called a ( Title ) and not our property due to we, the living and breathing man and woman living in the land and soil jurisdiction of, The United States of America XXXX XXXX and having paid our property at the closing of the day on XX/XX/XXXX in the year XXXX with the extraction of our credit in return for our property at, XXXX XXXX  XXXX, XXXX XXXX XXXX Louisiana XXXX XXXX also taking 10 times the amount of our loan to loan to others. We have the promissory note that states it is our property. Apparently, this was not disclosed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX for your piece of paper ( Title ) in exchange for your payment to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: Shellpoint Partners, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX Property Address : XXXX XXXX  XXXX XXXX XXXX, Louisiana XXXX It has come to our attention that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is our new debtor ( s ) as of XXXX XXXX XXXX XXXX XXXX XXXX? 

Hello, we are your new XXXX XXXX XXXXin-Fact. Although, the company/companies have only purchased a piece of paper called a ( Title ) and not our property due to we, the living and breathing man and woman living in the land and soil jurisdiction of, The United States of America , unincorporated and having paid our property at the closing of the day on XX/XX/XXXX in the year XXXX with the extraction of our credit in return for our property at, XXXX Highway XXXX, XXXX XXXX XXXX Louisiana XXXX XXXX also taking XXXX times the amount of our loan to loan to others. We have the promissory note that states it is our property. Apparently, this was not disclosed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for your piece of paper ( Title ) in exchange for your payment to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I'm called almost weekly by Harris & Harris about debt collection. The voicemail is always a prerecorded message from someone named XXXX XXXX asking for me to contact one of their representatives. I've checked my credit report multiple times and have yet to find any trace of collection notices. I'm worried to call back because I do not want to be taken advantage of. They've called on the following dates this year from multiple numbers : XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
After having my phone service hacked and my bank account defrauded, I have received XXXX credit cards that I did not apply for. They include credit cards from Navy, federal, XXXX, XXXX and XXXX. And my email was changed without my knowledge at my phone service from XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Ive asked this company Bank of America to cease all communications. They agreed to do so, but Bank of America is still reporting to XXXX XXXX report, which is a form of communication.

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 2023-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I put down payment and buy gap insurance on a used vehicle i'm not required by law 15.U.S.C 1605

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Based on my file i see inaccurate information on my report showing nevagtive items that needs to be removed. 

these accpunts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S 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 ) Inaccordance with the writtne instruction of the consumerto whom is relates. I NEVER GAVE ANY CONSUME REPORTING AGENCY WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal

protected consumer. 15 U.S CODE 1681c- 2 a consumer reporting agency shall block the reporting ofanyinformation in the file of a consumer that the co
nsumer identiflies as information that result from an alleged identify theft, not later than 4 business days after date of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I was contacted by Chase to let me know that my debit card # had been stolen. Someone in XXXX TX tried to use my card # at XXXX XXXX and Chase blocked the transaction, however, they were able to withdraw {$120.00} from our Checking Account and over {$1100.00} from our Savings Account, which was taken out in XXXX separate {$100.00} transactions listed from NY. Chase canceled my old debit card and issued me a new one. Chase had me speak with the claims department to file a claim for the money that was stolen from us. Chase issued XXXX separate claims, XXXX for our Checking Account and XXXX for our Savings Account. I was told they would look into this and let me know the result. On XX/XX/XXXX I received an email from Chase letting me know that they deemed these transactions as authorized by me and will not refund my money. This is ludicrous. It was the same day my debit card # was stolen. I found out whomever stole my number used XXXX XXXX to take the money from our Savings Account. Neither I, nor my husband own an XXXX. Chase asked me to prove we do not own XXXX by faxing them our phone bill, which I did. As of today, they are still denying both of our claims, saying that we authorized these transactions. I am insulted they would think we did this when Chase themselves notified me of my debit card number being stolen. I want action taken against them so I can get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction This account is showing inaccurate information on 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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction This account is showing inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I ran my credit report and noticed I had a collections on my account. I looked further into how I got the collections and the collections is from national credit system from XXXX XXXX at XXXX XXXX. I have proof that I do not owe anything to XXXX XXXX  at XXXX XXXX. I paid in full the amount I owed to them. on XX/XX/23. I need this collections removed from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This account is showing inaccurate information on my credit profile

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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I recently filed 3 disputes with my USAA bank due to my account through USAA being hacked via XXXX, which is linked to my checking and savings account. There was a transaction of XXXX dollars sent via XXXX to a person whom i do not know and another of XXXX dollars again to a person I do not know. The names were of unidentified people, people I never had contact with or met. I explained to my bank on the first dispute on XX/XX/2023 that my XXXX account had been hacked and on the second dispute filed on XX/XX/2023 after my first one was denied I submitted proof that my XXXX account had been hacked by sending them messages sent to me by family and friends showing my account was hacked by someone asking for money. I completely lost all access to my XXXX account and had to ask people to report the account so it could be removed completely. On my XXXX account I used XXXX XXXX and had my accounts linked. I also asked the representatives at USAA to allow me to speak with a fraud specialist that would review my claims, they told me they couldnt connect me to one but would note in the claim for them to call me. Throughout all of my disputes I was never called once by any fraud investigator, they also never gave me a clear answer as to why my claims were denied. I had XXXX dollars total sent from my account, I have a family, I had XXXX in XXXX and the XXXX dollars is important to me. I have felt like USAA was not taking my claim seriously and stated that nobody could get into my account but I endlessly tried explaining they could due to my account being linked on XXXX XXXX. I have tried everything I can and am trying my best to keep fighting for my money back. This has all caused me to be overwhelmed and sick in my stomach. I would appreciate any help I can get and I appreciate it in advance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: CA

Complaint narrative:
Based on my file i see inaccurate information on my report showing nevagtive items that needs to be removed. 

these accpunts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S 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 ) Inaccordance with the writtne instruction of the consumerto whom is relates. I NEVER GAVE ANY CONSUME REPORTING AGENCY WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal protected consumer.

15 U.S CODE 1681c- 2 a consumer reporting agency shall block the reporting ofanyinformation in the file of a consumer that the consumer identiflies as information that result from an alleged identify theft, not later than 4 business days after date of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-06-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I XXXX XXXX filed for EDD/ Unemployment in the state of California XXXX XX/XX/2021. The money from EDD was put on a card through Bank of America. Bank of America refuses to send me the card or my EDD benefits money. BOA claims they have my old address ( XXXX XXXX XXXX ) and it needs to be updated through a email from EDD. I called EDD and they emailed BOA with my new address and BOA still refused to give me my money. I have all my paperwork from EDD showing my correct address. BOA is just playing games and is trying to keep my money. I have called EDD multiple times and they said they sent over my correct address, to call BOA again. If i remember correctly i am owed over XXXX XXXX BOA has kept all of my checks. I have not received one payment of EDD. I have been fighting with BOA since XXXX  for my money. I will be uploading all my documents to prove my claims with my correct address from EDD. The same paperwork BOA has on file. I want all my money owed to me with inters and a XXXX $ fine. I want my money with in 10 business days and for every day i am not paid after that i want a full days wage like the labor board says I should get for not being paid per California Law. My EDD customer account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX

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 2023-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XXXX XX/XX/XXXX, I received a suspicious phishing email with Capitol One font claiming the bank intended to close newly opened savings account. The next day, I called customer service and encountered a nightmare. A customer service person in the Fraud Department who identified himself as XXXX accused me of identity theft and fraudently opening an account. I immediately stated he had no right to make such a claim because Capital One had already verified my valid Washington State driving licence and social security number in addition to confirming that I already had a valid account from XXXX. XXXX proceeded to provide misleading and contradictory information about security protocol even after he had verified my personal information. The entire conversation devolved into a power struggle where XXXX continuously badgered me because he did not believe me and he refused to accept valid state and federally issued documents. Moreover, he did not provide any answers when queried about Capitol One 's demands for constant verification on new accounts and why did Capitol One threaten to close an account after I had verified all the requisite information. To add insult to injury none of the Capitol One customer service provided any detailed information to explain why the financial institution made the decision to flag my account and later accuse me of fraud. 
I will vigorously pursue all legal options to preserve my integrity and ensure that Capitol One immediately discontinues slandering my reputation with false accusations of fraud. Furthermore, since this issue has elements of a XXXX dynamic, I will enlist support of civil rights agencies to safeguard my rights and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2016 BANKRUPTCY New York Federal XXXX XXXX U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2016 BANKRUPTCY New York Federal XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: GA

Complaint narrative:
dear equifax, I recently discovered some unauthorized inquries reporting on my file. Please remove them from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
For the past three months, I have called every possible number to verify this debt. Each representative I speak to states that I do not have a charged off account to get more information. My credit reports show the same # but when I call nothing can be verified or brought up in o show I have this debt. I am trying to get the information removed from my credit report but while trying to speak with the credit bureau and the disputes are sent are being verified but by who? I have not received any communication written or a call from Sync/Walmart and it has been over 5 years this has been sitting on 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 explanation