vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I have was a member of a " breeder 's '' XXXX page for a few months trying to find a XXXX XXXX puppy. I had seen many litters get posted and " people '' posts recommending the breeder. So I finally reached out on XX/XX/XXXX after she had posted a new litter. I asked about a specific pup and price and what the steps were. She said the pup was {$1900.00} but I had to pay {$700.00} up front ( in the form of zelle, XXXX, etc ) to cover holding her and for her XXXX paperwork and she would require the remainder in cash once the pup was in hand. I was a little hesitant to send that much so I had asked if she would do less and I would give her more in cash in person. She seemed to get a little upset as to why I wouldn't trust her and why would I contact her, her page has XXXX followers and she has many references. I admit that I was the one to contact her thinking she was legitimate but to make me feel more comfortable and I think to make it more believable, she agreed to {$500.00} being transferred. I had sent her the {$500.00} through zelle on XX/XX/XXXX. 
She kept asking when I wanted to have the dog home and b/c we were away till Monday I had said Tuesday, XX/XX/XXXX. She offered to meet halfway or deliver. So of course, so I didn't have to miss work I took advantage of her delivering and only having to pay for her gas. On night of XX/XX/XXXX, she sent over a 'sales receiptXXXX ' paperwork XXXX Which made it seem more believable. On our way home Monday, I contacted her to make sure we were good for Tuesday and she said yes but also offered to come Monday night, so we agreed. 30 mins after the plans were confirmed it went downhill! She said her daughter was in the hospital and would have to ship the pup. I knew right then and there that I was in trouble and my deposit was gone! I asked if I would be charged for shipping and she said no. 3 mins later she sent me a link of a shipping agency with tracking and then a random number texts me ( saying it's the shipping company ) and says I have to pay {$1500.00} for insurance, fully refundable, by zelle, XXXX, etc, and the delivery agent will give the money back once they deliver the pup to me! I also got an email from them saying same. She messaged me telling me to pay it, I disagreed. The shipping co called me telling me if I didn't pay, the the pup would go to the pound and the cops now have my info and would come after me! She has refused to give me back my deposit and had blocked me from her page. I wonder how many other people she has done this to! 
I contacted my bank XX/XX/XXXX to file a dispute but unfortunately they denied because it was sent through zelle. 
I have screenshots of everything! And links to her XXXX page if needed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: WI

Complaint narrative:
This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All are being investigated by the FTC

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 2023-08-02 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: WI

Complaint narrative:
This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All are being investigated by the FTC

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 2023-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
This is a horrible place to get a car from I had go into a accident and they took over 2 months to fix it an it was only a bummer an when I got it back my head lights wasnt working then I told them something doesnt feel right they tell me Im not covered for that they only could fix whats in my insurance then after that they up my payments saying I was late then they kept calling me an one day I was at work they called me in the mix of that day they called me 5 more time I lost my job that day then they kept telling me idk what to tell u then 4 weeks later they came pick my car up at night when i was sleeping I would never tell no one to go there if I could sue I would an ik the person who did all this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-01 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: FL

Complaint narrative:
They said the account was removed and its still showing on my account

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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.Not letting me access my equity/interest which is an indication of violation of securities, breach of contract, and security fraud. They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still account is not credit as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-02 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: CA

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 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 lateforanypurpose

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 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Beginning on XX/XX/XXXX we signed up for XXXX. Every month since then we were double billed for XXXX. The period from XX/XX/XXXX thru XX/XX/XXXX we were billed for {$17.00} and XXXX. From XX/XX/XXXX thru we were billed {$9.00} and {$19.00}. In XXXX we noticed the double billing and contacted XXXX, they apologized and said they could only credit us for 5 single charges. XXXX said to contact our bank to get the credits. Some time in XXXX we sent a letter to B of A requesting the credits. We didnt hear back from them so I resent the letter through certified mail on XX/XX/XXXX. To date we have heard nothing.

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 2023-08-02 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Closed this card in XXXX. Then today ( XX/XX/XXXX ) I received a letter stating they closed my account due to issues with my credit. The account was supposed to already be closed. I looked at my credit through all three credit bureaus that I subscribe with to monitor and their letter was inaccurate and false the reasons given. My scores were higher than when approved for Care Credit card, my other card balances were lower and I do not own real estate that they say there is insufficient info for real estate owned. I have not had a balance with Care Credit in several months for which I paid off in full after every use.

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 2023-08-02 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: TX

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
During XXXX, multiple companies ( XXXX bank, Bank XXXX XXXX ) attempted to run my report for either the purpose to review my overall status with TransUnion. XXXX displayed was and is false with inaccurate information related to my mortgage loan as being late when in fact it is not which I confirmed with XXXX XXXX as of last week during Last week of XXXX. 
Then showing me as deliquent and high balances on installment accounts which is false since my installment accounts are either paid in full or have not had a balance reported as of yet with XXXXXXXX XXXX XXXXXXXX XXXX being $ XXXX limit and paid amount of nearly half from date opening as XX/XX/2023 after a house fire. I was told by XXXX XXXX they are closing my large account due to my credit from TransUnion which now this makes the 4th incident by TransUnion which related to all the complaints I have submitted to CFPB.

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 2023-08-02 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: TX

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XX/XX/XXXX Copy to : NewRez LLC NewRez LLC XXXX XXXX XXXX ITS Successors and/or Assigns XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX Loan XXXX XXXX ( Loan transferred to NewRez XX/XX/XXXX ) Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Forced Placed Excess Flood Insurance XXXX To Whom It May Concern : XXXX XXXX forced placed {$130000.00} of excess flood insurance, issued XX/XX/XXXX, effective XX/XX/XXXX to XX/XX/XXXX ( copy attached ). 

XXXX XXXX has historically waived the excess flood insurance requirement, because individual XXXX  insurance for our condo building is not available. 

Regardless, the forced placed excess flood insurance for the full current XXXX  amount of {$130000.00} is NOT appropriate, because the condo building already has {>= $1,000,000} of existing private+XXXX insurance ( copy attached ). Our units pro rata amount of existing insurance, reflecting the total units of XXXX in both the south and north towers is therefore XXXX  XXXX {$65000.00} Therefore, it is our position that excess flood insurance should not be required since the XXXX will not insure the individual unit. And, regardless, our excess flood insurance amount if required should be the maximum of the XXXX MINUS {$65000.00} ( for XXXX as of placement date therefore {$130000.00} - {$65000.00} = {$68000.00} of potential excess flood insurance required ). 


I look forward to hearing your response to the above after reviewing the attached documents.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
My account keeps getting stolen and my money keeps getting stolen so I need my account back and my money to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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:
I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called XXXX XXXX on XX/XX/XXXX and was provided my XX/XX/XXXX day payoff amount to satisfy my loan in full. I was advised if it was to be paid before the XXXX, the amount is {$4100.00} I made the payment in full on XX/XX/XXXX and the company has not updated the information to reporting bureaus. I have called them XXXX times and been given a different answer. I have files disputes with each of the XXXX credit bureaus and the only update is that the loan balance is now showing the exact amount I paid, but not that the loan is paid in full. They are reporting that I'm 60 days late!

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 2023-08-02 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: CA

Complaint narrative:
I called XXXX XXXX on XX/XX/XXXX and was provided my XXXX day payoff amount to satisfy my loan in full. I was advised if it was to be paid before the XXXX, the amount is {$4100.00} I made the payment in full on XX/XX/XXXX and the company has not updated the information to reporting bureaus. I have called them three times and been given a different answer. I have files disputes with each of the three credit bureaus and the only update is that the loan balance is now showing the exact amount I paid, but not that the loan is paid in full. They are reporting that I'm 60 days late!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: CA

Complaint narrative:
I called XXXX XXXX on XX/XX/XXXX and was provided my 10 day payoff amount to satisfy my loan in full. I was advised if it was to be paid before the XXXX, the amount is {$4100.00} I made the payment in full on XX/XX/XXXX and the company has not updated the information to reporting bureaus. I have called them XXXX times and been given a different answer. I have files disputes with each of the XXXX credit bureaus and the only update is that the loan balance is now showing the exact amount I paid, but not that the loan is paid in full. They are reporting that I'm 60 days late!

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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: IL

Complaint narrative:
I informed filed a report about this account when it comes to my identity being stolen. A discover credit card was illegally opened in my name.

Company response to consumer: Closed with explanation