vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Thank you for reading my request about my accounts. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that a number of accounts were charged off with XXXX XXXX XXXX_Equifax, XXXX. 

I am requesting that these companies please forward me a copy of the 1099-C that was issued by there company when they charged off this debt with the IRS which is required by law for all debts over {$600.00}.

I continuously asked to do so and no one has sent anything. IT looks as if they are looking for a way not to remove this from my report if this was told in error initially it should not be altered to stick on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Thank you for reading my request about my accounts. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that a number of accounts were charged off with XXXX XXXX XXXX, XXXX__Experian. 

I am requesting that these companies please forward me a copy of the 1099-C that was issued by there company when they charged off this debt with the IRS which is required by law for all debts over {$600.00}.

I continuously asked to do so and no one has sent anything. IT looks as if they are looking for a way not to remove this from my report if this was told in error initially it should not be altered to stick 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 explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson capital Account XXXX you state original creditor is XXXX Please if you can validate is account for me NOT VERIFY { 1 } who you talked to their name contact information, what was SAID both parties, any associates you contacted their name and contact information, time and date of above contact any co worker you may have contacted their name and contact information, the { original creditor } name and contact information VERIFIED means make sure or demonstrate that { something is true or justified, } LAW swear to or support { a statement by affidavit } Validation meaning the action of checking or proving the validity or accuracy of something { contract Signatures, .CFPB have a rights to this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
This company is trying to collect a debt that i do not owe i have never signed any contracts with this third party AD ASTRA Recovery serv nor them or XXXX XXXX office are loacted in the state of virgina This company also stated they have sent paper work through XXXX last time which that was a lie XXXX have nothing on file from this company to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VT

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  contacted me trying to collect on a debt that is past the statue of limitations. The debt amount is {$830.00} ( {$1700.00} with interest ). I followed up with the original debtor of this debt, HSBC Bank and found that this debt was originally charged off in XXXX. They also were very nasty to me on the phone and threatened to bring me to court ( sue me ). At that point I asked for the account information in writing ( postal mail ) which they refused to do. They also took til XX/XX/XXXX to furnish a copy of the debt letter ( attached ) in which their letter states that I had til that day to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: Duvera Billing Services, LLC
State: FL

Complaint narrative:
The company DUVERA Billing Services , LLC, ending account number : XXXX, reported in my credit report this account and I did a claim with XXXX because that is incorrect, This account is not mine, one year ago I spoke with them for a service loan for {$800.00} dollars, never {$3900.00}, when I saw this amount I called them and I did the claim, that is a fraud. 
I need this company remove this account of my credit report because is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: WA

Complaint narrative:
The person who scammed my XXXX daughter out of XXXX dollars : Sent to XXXX email : XXXX transaction Number : XXXX sent on XXXX XXXX XX/XX/XXXXXXXX was for XXXX XXXX concert tickets. 

I have contacted Zelle directly - said they could do NOTHING to get money back. 
That answer sounded absurd to me, so I contacted my bank. It turns out they can file a complaint with Zelle- so I did that. I was told to wait until Friday ( XXXX XXXX ) giving their dept. time to look into the matter and that I needed to call them... so I did. I was told if they got the money back that it would show in my daughter 's acct. - it hasn't. Asked the man if there were any notes to show that someone had actually tried to get the money back - there were not. 
To me this seems fairly simple, Zelle should contact the other bank involved, with the info. they have, and get my child 's money back, stopping a now-known scammer before they do it again. If Zelle can not provide this most basic service to stop scammers, then banks should not be offering their services to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2022, my account was unlawfully closed Pursuant to CFR 1002.7.

1002.7 Rules concerning extensions of credit. 
( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. 

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. 

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/22 a transaction for {$3900.00} was made using funds from my bank account through XXXX. I reached out to XXXX and they were useless and advised I contact my bank since the funds came directly from my bank balance which i did. I spoke to a few specalists and opened a claim for the disputed amount and submitted legal documents stating I had not authorized the transaction. Chase ultimately denied this claim simply because my name matched the name on the XXXX account ( no duh, it was mine and compromised ). They asked me to provide further documentation depsite not having any and I advised them to reach out to XXXX who apparently refused to provide them with anything of relevance one way or the other as well. Why is it on me as an individual to prove to a multinational billion dollar bank that i did not authorize a transaction beyond submitting a legal document stating I did not authorize the transaction? Isnt the whole point of keeping your money in a bank that it will be secure and protected? XXXX did not submit anything to contradict my claim either meaning I have submitted my own legally binding statement versus absolutely nothing contradictory and the bank still refused to take my side. Im out almost {$4000.00} now because of incompetence. That is completely unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
delete this inquiry its not mines they refused too

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 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I bank with Chase. A third party money lender that i use sent an email stating they would withdraw funds on XXXX. The funds were withdrawn on XXXX and it overdrew my account by XXXX dollars more. I have overdraft protection turned off, and i called this morning to ask what could be done, because Chase charges XXXX per overdraft fee. The representative told me that just because overdraft protection is off, does not mean ACH transactions wont go through, which i was not aware of, and that if i wanted to submit a claim it would take 45 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06 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: NC

Complaint narrative:
I am a protected consumer and natural person In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

Regarding alleged account # XXXX XXXX XXXX XXXX, 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 : also states a consumer reporting agency can not furnish an account without my written instructions 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 for any purpose

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 2022-08-06 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: NC

Complaint narrative:
I am a protected consumer and natural person In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

Regarding alleged account # XXXX XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions 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 for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Dear Manager XXXX XXXX HSBC US, I wish and hope you can help me out of my present financial crisis situation, as XXXX XXXX HSBC XXXX transferred XXXX to XXXX Account. So I request you to help to contact XXXX  XXXX to transfer next time directly to my account instead of XXXX, And verify if XXXX XXXX is legitimate. 
And how can I claim XXXX back to me, and do I have to pay a fee to receive that amount when it is seperately from The US federal government funds, why will I have to pay {$200.00} fee why it won't be transferred immediately when I'm the beneficiary to request that funds in urgence? 
So please reply and explain me know. I'm not a victim of any scam this XXXX is my estate. 
Thank you, XXXX XXXX XXXX : I'm looking forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
delete this inquiry its not mines they refused too

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 2022-08-06 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: FL

Complaint narrative:
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1000.00} XXXX XXXX  account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$200.00} XXXX XXXX account. {$200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} XXXX XXXX account. {$170.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXL Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX # 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 instructions

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 2022-08-06 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: FL

Complaint narrative:
CFPB Write up in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX & 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 instructions

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 2022-08-06 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: NC

Complaint narrative:
I am a protected consumer and natural person In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

Regarding alleged account # XXXX XXXX XXXX XXXX, XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 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 for any purpose

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 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
One main keep reprting a old address to XXXX that i do not live at please delete it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 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: CURO Intermediate Holdings
State: AL

Complaint narrative:
My collection account with Ad Astra increased. Which is illegal and a violation by CFPB regulations. No collection accounts amount should increase by any amount. This is clearly and illegal act by a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: FL

Complaint narrative:
Please see the attached 4 documents recorded in different county Court records across Florida, initiated by XXXX XXXX XXXX, a supervisor of US Bank, in XXXX XXXX, WI. 
All contain robo-signatures to pull the document out of the XXXX 
XXXX XXXX XXXX presented " herself '' twice on one document as a US Bank employee requesting the document AND on the other end as a XXXX  employee/witness. 
This is the FIRST step the perpetrators take in a series of action to take total control of property that does not belong to them, they haven't secured an interest in or paid value for. 
US Bank is a " front '' for investors. 
It's not a bank. 
It's not a servicer of mortgages. 
It sends out " misrepresentations '' electronically generated to victims to make them believe a mortgage and debt exists when it does not.

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 2022-08-06 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: NC

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violatied my rights. 15 U.S. C. 1681 section 602 A. States I have the right to privarcy 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out instrutions.

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 2022-08-06 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: NC

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violatied my rights. 15 U.S. C. 1681 section 602 A. States I have the right to privarcy 15 U.S.C. 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account with out instrutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company close the accounts and report incorrect balance, I missed my wallet and I called Capital one about the situation, the cards was used not me but they closed the account and report the fraud balance in my credit report.

Company response to consumer: Closed with explanation