vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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: NJ

Complaint narrative:
I submitted a complaint last XX/XX/2023. Involved companies responded but there are still fraudulent items reporting on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
We had a sychrony store card ( Mattress Firm ) since XXXX, never missed a payment, never late on a payment. They reported XX/XX/XXXX late payment even though the due date has not even arrived yet and then they closed my account. Them closing my account dropped my score XXXX points.

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 2023-05-11 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: CA

Complaint narrative:
On XX/XX/XXXX of this year i wrote a letter to XXXX, XXXX XXXX Equifax to notify the Elaborate mechanism that they are indeed Reporting fraudulent & Incorrect information & A Fraudulent Account : XXXX XXXX XXXX XXXX on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. They Responded by Mail on XXXX & Notified me that the Fraudulent Account : XXXX XXXX XXXX Was removed from my Credit Report. XXXX & Equifax Followed up with another Letter 14 Days later on XX/XX/ and Notified me that they 'Reinserted " the Exact same Fraudulent account : XXXX XXXX XXXX on to my Credit Report that had been removed just 14 Days Prior. Completely ILLEGAL, Violating a Plethora of Federal LAW Codes & violating my Trust within the Banking System. Their Willful Disregard for Federal Law is Completely Absurd and Repulsive & I'm not sure why they believe that they're ABOVE the Law. 

Their Negligence has Caused me Stress, Physical harm, XXXX Hardship, misfortune, suffering, Trauma and emotional turmoil. Months Later & XXXX, XXXX & Equifax is Still Denying me of my Consumer Rights & Perpetuating their Wrongdoing & Violations of Federal law. 

The Fraudulent Account : XXXX XXXX XXXX was Removed & then Reinserted 14 Days Later, Perpetuating the Damages of my Reputation and my Consumer Profile. I'm Requesting the CFPB and Every other Federal Regulation to Recognize this as an attack on the Consumer & to step in and Counter their Fraudulent & Illegal Activity & Compel them to Follow the Law. 

I have no other Option but to View this as a Direct Attack on Consumers & I will not allow this Elaborate Mechanism to continue to Report Adverse and Fraudulent Account : XXXX XXXX XXXX on to my Credit Report, Especially after they have already removed it. Indubitably Preposterous, unethical, Deceptive, & Unfair Practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2023, I realized I physically did not have my card on me and took a look at my account and noticed some atm withdrawals were take out of the account that were not done by me. Then I locked the card from the app on my phone. A couple hours later I received a notification that someone tried to take {$400.00} out of my account. I called and cancelled the card, filed a dispute and let Chime know that I needed the money asap. Every time they suppose to give me a credit, they email me with a final decision within the 10days. They are just stalling and finding every reason not to give me my money. They also refuse to provide me with supporting documentation. Please help me get my money back. I have supplied them with several documents and enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I opened a XXXX account to see my credit and I have a account or card from awa collections I think is the name saying that I have a card opened by them when I just opened a credit card this year in XXXX and it's the only card I've ever applied for that was accepted. They are saying I opened a account with them 2 years ago when I only applied for 4 credit card last year and they all were denied. The one that was accepted was pre approved. I don't even know what it's for the XXXX page just said that I owe XXXX $ when I've only opened a XXXX  account to get better credit and now a XXXX XXXX  credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I received notice from the Bureau of Fiscal Service, US Department of Treasury that they were attempting to collect a debt on behalf of another federal agency without first being notified by the original agency. In addition, the Treasury initiated credit bureau reporting at the same time they sent notification of collection.

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 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I met this friend on XXXX on XX/XX/2023. We move over to XXXX to talk which we have been in contact. I was interested in what I saw from this friend. I got invested in my assets under this friend 's instructions through a wire transfer to XXXX XXXX XXXX  in XXXX XXXX XXXX to convert that money into the cryptocurrency of XXXX and XXXX through crypto.com then the fraud website XXXX that copied XXXX. The first wire transfer was {$1000.00} on XX/XX/2023, and the second and last wire transfer was {$5000.00} on XX/XX/2023. I have invested $ XXXX worth of US Dollars into worth {$150000.00} cryptocurrency in a 1:1 ratio of USDT to USD. This website imitated XXXX with the same logo but a different URL. The website immediately approved this {$21000.00} loan without any questions and put in a contract over me. But this fraud website has me locked in through a loan worth {$21000.00} and also holding my cryptocurrency. I asked the website for an alternative way to pay it back but they replied no, the payback is {$21000.00}. I have been frankly trying to find a way to pay this loan while losing my mind and sleep. I have told my sister and brother whom I trusted saying that it was a scam. I would like to do an online cyber investigation. I believe this is a fraud and a scam that I got myself into, noted as a cybercrime. I found out the scammer lead me outside of the FCA jurisdiction sights. 

They are contacting me under the name of XXXX XXXX. This is probably not their real name. Their contact numbers are below. 
XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX I had to research a bit these numbers a bit if were connected to this person however, they came out to be scammer numbers online. 

XXXX Official Website XXXX Fraud Website that imitated XXXX https : //XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: MS

Complaint narrative:
There is inaccurate information being reported on my credit reports. There is a discrepancy on my credit reports, as I have two different electricity companies reporting to collections. One is in the state of Texas, while the other is in the state of Mississippi. There is no way I could have services in both states at the same time. XXXX XXXX XXXX XXXX XXXX are both stating that I opened services on XX/XX/2020. This is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Fair Credit Reporting Act protects me from companys reporting negative information. 15 U.S.C. Code 1681 protects me for accuracy and fairness of credit reporting. 
On the XXXX of every month XXXX XXXX XXXX received a payment from me but has failed numerous times to update my account with no current update after contacting them to address the issue.

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 2023-05-11 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: World Acceptance Corporation
State: MO

Complaint narrative:
World Finance is reporting my acct twice i have the message to prove its inaccurate also on my XXXX they reporting twice, under world finance which is reporting negative twice this is the message from the company on why responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : World Acceptance Corporation of Missouri ( World ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from Worlds Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, World sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX found an inaccuracy in the information XXXX was reporting for XXXX XXXX account number XXXX. A change request was made to XXXX to update the account to remove any references to bankruptcy as XXXX XXXX account was not in a bankruptcy status during the time it was owned by World. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, World Acceptance Corporation Compliance Department

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NY

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

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 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
If I was able to leave a XXXX I would!!! i have been with USAA for 20 years, that being said. When someone hacked into my account, took XXXX out of my account I filed for fraudulent activity! USAA employee told me they'd look into this, and would take about 5-10 business days. I then try and go into my account to make sure no more money was taken I no longer had access. It took me waaaaaay too long trying to get a hold of someone to tell me " Oh that's just part of our process '' Um, don't you think that should've been mentioned during the FIRST phone call!!! I'm literally about to have a panic attack thinking someone got into my account again!! A day later they call back, and said there's NOTHING they can do about it!! They then proceed to tell me that they are going to unfreeze my accounts despite not having any information or handling this fraud stuff!! I then asked is my account and my information 100 % safe, the USAA employee then proceeded to inform me they can NOT keep my information or my account SAFE!!! After all of this we find out they do NOT have a fraud department, it's all XXXX!! RUN AROUND AFTER RUN AROUND, so after 20 YEARS I AM DONE!!!!! All my employee friends and family will know about this!! I will make sure the military know as well!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NY

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

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 2023-05-11 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 2023-05-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-05-11 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 requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
The company cash app has been taking money off of my account that was registered under the email " XXXX and the phone number ( XXXX ) XXXX. 
On XX/XX/2023, my sister sent me {$75.00}, 12 minutes later Cash App deducted {$40.00} and the deducted {$27.00} then deducted {$7.00}. I then contacted cash app via chat support which is the only way this company has for customers to contact for support, I was told by one of the support persons via chat support that it was taken out for a charge from XXXX that was never settled, on the date of XX/XX/2023 ( {$7.00} ), XX/XX/2023 ( {$27.00} ), and on XX/XX/2023 ( {$40.00} ). 
On XX/XX/2023, my son 's father sent me {$150.00} to buy him items need. cash app also took the money. they took it in increments for what I was told unsettled transactions from XX/XX/2023 ( {$62.00} ), for XX/XX/2023 ( {$31.00} ) and for XX/XX/2023 ( {$53.00} ). I was told again these transactions was unsettled from XXXX once again via cash app support via chat. 
I then reached out to XXXX for my self regarding the transactions XXXX stated they did not have any unsettled transactions for me and that the date of my purchases those transactions went through on those days. 

I then contacted cash app again to let them know what XXXX said and then support said that they will send, a copy of my ledger or transactions via my email on file that I did not ever receive so on XX/XX/2023 I closed that account with cash app to prevent further stealing and scamming from this company. 
I then proceeded to look online on XXXX and saw several other ppl complaining about cash app taking their pay checks and fixed income checks from the government.

Company response to consumer: Closed with explanation