vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-24 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: GA

Complaint narrative:
I have several hard inquiries on my credit report from events that I am not aware of : - XXXX - XX/XX/2022 - XXXX  XXXX - XX/XX/2022 - XXXX  XXXX - XX/XX/2022 - XXXX - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX - XX/XX/2022 - XXXX  CARD - XX/XX/2022 - 15 U.S. Code 1681q - Obtaining information under false pretenses : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I made a purchase at XXXX XXXXXXXX XXXX XXXX, for {$2300.00} When I received the goods half of the items were missing and half were damaged. 
I reached out to Capital One to dispute the charge on XX/XX/XXXX a few days after the actual charge. 
They changed their demands and requests for information constantly and were extremely unhelpful, I spent hours on the phone with them, each person I spoke to asked for different documents, and they still havent resolved it as of today XX/XX/XXXX This is getting to be very frustrating as I cant afford to lose this much money, Im losing money because of this as I need that credit for my business, I also dont have the time, and cant afford to spend all this time on the phone with Capital one to try sort something out that they still havent all these months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted letters to Transunion requesting their help to investigate and verify the accounts ' information and have it corrected to appear accurately on my Credit File. Transunion must be required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the entire account ASAP : XXXX 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 explanation
Consumer complaint received 2022-11-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello CFPB. Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 10 % correct. In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
This complaint submission is in regards to a false credit report by AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative by the name of XXXX XXXX, who was both rude and uninformative. When first speaking to XXXX XXXX, he was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and after waiting on hold for XXXX minutes, I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent on XX/XX/2022, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2022, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. I got a response from XXXX XXXX XXXX XXXX named XXXX XXXX who also failed to comply or provide any appropriate documentation for their claims. They also failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ) has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the XXXX major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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: R & B Corporation of Virginia
State: NC

Complaint narrative:
Ive been fighting with this company Im not sure where they got this account but I dont owe XXXX no XXXX $ the account has been closed and Im not understanding why they keep reporting to my credit its bringing it way 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 2022-11-24 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 the night of XX/XX/XXXX I went out to a bar in the XXXX XXXX of XXXX, my phone died and I was offered a ride from a person I met at the bar. We stopped at XXXX on the way home and I paid next to this person for some snacks. I was wearing a dress for XXXX so I ended up leaving my phone in the car. When I woke up I called the bank to report my card lost. They said that my card was fine and there was no transactions made. However the next day my account overdraft. Im 8 being a customer for Chase my account has never been overdraft. There was 7 charges to my account totaling about {$1800.00} XXXX XXXX XXXX - {$20.00} XXXX XXXX XXXX - {$20.00} XXXX XXXX XXXX XXXX - {$60.00} XXXX XXXX XXXX XXXX - {$60.00} XXXX XXXX XXXX IL - {$1600.00} XXXX  XXXX XXXX XXXX XXXX IL - {$4.00} XXXX  XXXX XXXX XXXX  XXXX IL - {$41.00} XXXX disputed the transactions however they were denied. I asked if I could talk to someone but they said the only way I could dispute the denied transactions was via FAX. I then looked for any substantial evidence I could find. I screen shotted The transaction of {$1600.00} location. I typed what appears in the charge in XXXX XXXX because theres no phone number and what I see is lots of abandoned buildings. They suggested I go to the merchant and try to get the money myself but theres no address or a phone number to even do that. I have a ring doorbell that records me when I get home and it shows me getting home with a dress and noticing my keys and walled and phone are missing. I screen shotted that and told them I could send the video directly from the app with time and date so they know is legit in the fax. But no one ever got back at me. I also filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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: KY

Complaint narrative:
I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act CREDIT BUREAU SYSTEM Account # beginning in XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX Account XXXX XXXXXXXX, has violated my rights15 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. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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: KY

Complaint narrative:
I tried to apply for a credit card and received many inquiries. 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 instruction. 
Inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
Hi, Before getting to the specific issues with Zip, heres some background. I purchased a coffee maker using Zip/QuadPay on XXXX on XX/XX/XXXX. My order was never delivered and despite multiple attempts to contact XXXX I received no responses. So, naturally I tried to dispute the transaction with Zip, and thats where the real frustration began. 

First off, Zip, would not let me submit a dispute even though it had been over two weeks of me contacting the merchant ( which is the threshold per their docs ). Each time I reached out to Zip, I got a response asking for more info ( clearly they hadnt read the previous messages ), and that I should just try to reach out to the merchant again. Then they gave me the contact page of another company to reach out to ( XXXX ), which is completely unrelated to this transaction as far as I can tell. That company responded saying they had no clue what I was talking about and that they dont sell any consumer goods. 

After multiple further attempts to get Zip to dispute the transaction, I finally started disputing the individual transactions through my funding instrument ( XXXX ) for Zip. Zip even threatened that I shouldnt file a dispute because it would make my account inactive. This whole process has felt entirely shady and Zip has lost any bit of trust I had in them. Id highly recommend others stay away from Zip/QuadPay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I tried to apply for a credit card and received many inquiries. 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 instruction. 
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 2022-11-24 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I tried to apply for a credit card and received many inquiries. 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 instruction. 
Inquiries : 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 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 non-monetary relief
Consumer complaint received 2022-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act CREDIT BUREAU SYSTEM Account # beginning in XXXX, XXXX XXXX  Account # XXXX and XXXX Account # XXXX, has violated my rights15 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. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.

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 2022-11-24 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act CREDIT BUREAU SYSTEM Account # beginning in XXXX, XXXX XXXX  Account # XXXX and XXXX Account # XXXX, has violated my rights15 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. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I posted an ad for a roommate to add to my lease. One guy reached out and shared a check which has more than the rental amount. I asked him why it has more money. He said the company issued a check including rent and all the travel expenses and asked me to deposit it. and also asked me to cut the rent and wire transfer the remaining amount back. I deposited the check on XXXX. I waited until the check deposit transaction is completed in my bank 's online portal then I did a wire transfer on XXXX. Now he reverted the check I deposited and I lost {$5000.00} now. 

I called my bank XXXX XXXX and requested to take action. They said they filed a case and investigate. 

Scammer details : Name : XXXX XXXX XXXXXXXX XXXX : XXXX email : 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 2022-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tri-State Adjustments, Inc.
State: WI

Complaint narrative:
This company is attempting to collect on an alleged debt that is timed barred or/is expired. 
Provide legal documentation supporting that I have a legal obligation to do business with you, have done business with you, or that I even owe you. 
I have had no business dealings with you whatever so ever. This debt has expired and legally can not be sued. 
My credit is my reputation, my life and I will do whatever it takes to legally protect it. I will not allow your negligence and faulty collection practices to damage it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I transferred {$1000.00} to crypto.com. I changed my mind and didn't want to buy cryptocurrency. They won't let me withdraw my USD funds. They say I have to wire transfer another {$1000.00} in order to withdraw my initial deposit. They say it's for security concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates

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