vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX trafficking if the consumer has provided trafficking documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No.

CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2024-02-12 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was charged by XXXX, XXXX in the amount of {$700.00} for laser hair removal. XXXX, the specialist, charged me for a future service that was not rendered to me. I traveled overseas and XXXX was aware of this. Upon my return I learned that the business had shut down and so my laser sessions were never honored. I am now responsible for a charge by the credit card company CareCredit, even though I provided evidence that the business shut down without rendering the services to me. I have been unable to reach XXXX and am now responsible for charges and interests associated with this transaction. I feel that it is unfair to be charged for a service that was never rendered to me.

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 2024-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This account show up on my report dont own this account this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THE ACCOUNTS WERE TO BE DELETED OR REMOVED DUE TO THE FRUAD USED TO OPEN. WHY HAS IT REMAINED IN A CLOSED FILE YET STILL REFLECTING UNDER MY REPORT TOTALLY NOT GOOD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
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 : {$200.00} Amazon Gift card I purchase with Reward points XXXX XX/XX/XXXX Order Number : XXXX. 
The last time I talked with you ( XXXX XXXX XX/XX/XXXX ) I was assured that my Gift Card would be canceled and my points restored to my account. In fact the agent guaranteed that would be the case but to wait at least 10 days for the result. 
That was simply a lie intended to just make me go away and stop bothering you. Your recent letter ( XX/XX/XXXX ) clearly states that a gift card can not be canceled, refunded or returned, proving the lie. However, I want to keep and use the gift card, but you have not provided a way for me to access it, since XX/XX/XXXX. 
The Gift card is digital and I was supposed to receive an email with a link to get access to the gift card. I never received the email and it is now clear that you have a problem with your email. Another recent attempt at your email also failed. I still have a {$200.00} Amazon Gift card that I can not access. I am very disturbed at the possibility that Card Member Service is intending to use my gift card for their own purchases.

Since your emails do not work, I have a solution to our problem. Simply print a copy of the alleged email and send it to me by USPS hard mail. Be sure the link is visible so I can connect to whatever is next to retrieve my digital gift card. I received another letter ( XX/XX/XXXX ) in which you claim you can do nothing to help me. So, I expect you to comply with my request for a paper copy of the email that continues to fail. If you refuse to comply with this request I will be forced to file a complaint with CFPB and/or FTC. 

Sincerely, XXXX XXXX NOTE we contacted customer service several times and they " claim '' they sent an email with link to access the gift card but no such email was ever received. They have sent 4 separate letters claiming the email was sent but it was never received in either of my two email accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/year>. They closed my account with no reason why. Im a XXXX  employee who has their payroll checks deposited biweekly. My banking activity never changes and I never did anything fraudulent on my account. They never gave me a reason besides that Im a risk account but never told me why. Several of my friends this happened to today and they have business accounts. My IRS refund is being deposited into my account and now I have to possibly wait for a paper check. I was treated unfairly by Chase and their customer service team. No logical reason on why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
The collection showed up on my credit report and says the it was from CEDAR BUSINESS SERVICES opened on XX/XX/2023 for a balance of {$600.00}. This is not mine and i dont have any affiliations with this company. This is a result of a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This debt collector " XXXX XXXX XXXX '' engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA I am entitled to XXXX XXXX Dollars per violation which clearly they violated my rights. They are furnishing a fraudulent account from XXXX XXXX acct number XXXX twice on my experian credit report. One shows as closed the other shows as in collections. This is not my account and I am a victim of identity theft. 
Experian is also engaging in abusive, deceptive and unfair practices by furnishing this information incorrectly 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 2024-02-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
My wife and I got a loan modification and our loan was sold to Shellpoint/NewRez mortgage. The loan modification was a balloon payment due in XXXX. We paid approximately {$9000.00} for this loan modification. So ther is no interest being generated from my loan. NewRez acquired my loan in XXXX and since then they have done nothing but harrass me. Im contacting you because Im almost XXXX retired and the stress is telling on me. I had so much problem with them contacting me every month saying I was behind on this and that that I started having my bank make automatic payments so I would be up to date. In XX/XX/XXXX my payment was automatically paid and they applied it to the XXXX XX/XX/XXXX my payment was automatically paid ... but Shellpoint applied it AGAIN to the XXXX payment effectively putting me one month behind ( this is a debt collection company masquerading as a mortgage company ). I tried many times to bring my account up date but they would always apply the extra payments to the deferred. Every month we have been receiving foreclosure packets, sometimes for as little as {$10.00}. Finally I got everything up to date, I thought. In XX/XX/XXXX I paid {$110.00} for an inspection fee I am now being charged {$110.00} for another inspection fee ( XX/XX/XXXX ). The called me this morning saying I owed XXXX This company is staffed with completely incompetent players and they are monthly trying to squeeze money from me by harrassig me and my wife with phone calls and foreclosure packets,,, all this when my loan is not due until XXXX. They are supposed to be taking care of my insurance taxes escrow. Can you please help me in dealing with this nightmare debt collection agency masquerading as a mortgage company. 
Thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently checked my credit report again and saw accounts reporting that I do not recognize. Ive submitted multiple claims and proof & still havent received anything in return

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
To whom it may concern, I am writing to dispute unauthorized hard inquiries on my ( XXXX, Equifax, and XXXX ) credit report. My most recent credit report shows ( 6 ) inquiries that I did not authorize. These unauthorized inquiries are negatively impacting my credit and causing undue distress.

According to the Fair Credit Reporting Act, 15 USC 1602p, " unauthorized use '' refers to the use of a credit card by someone other than the cardholder, without the cardholder 's permission or benefit. As I did not authorize these inquiries or benefit from them in any way, I am requesting that you promptly remove them from my credit report in compliance with the FCRA. 

Please let me know if you require any additional information to process my dispute. I look forward to the swift removal of these unauthorized inquiries. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM XX/XX/2024 {$1000.00} XXXX Company did not verify or validate this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: VA

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint regarding improper denial of medallion signature guarantee services from Navy Federal Credit Union manager ( Branch Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ). As a long-time account holder at Navy Federal , I should have access to authentication services of my personal signature for documents I need to execute as per SEC medallion standards that banks in the program must follow. On XXXX, I visited the branch and spoke to manager/ vice-president seeking to have my signature guaranteed for endorsing a security. As stated on the medallion requirements, the bank simply needed to : Validate my identity via a valid ID ( which I have as an account holder ) and Stamp my signature to certify its authenticity. However, the manger refused service and said Navy Federal does not offer anything related to medallion stamps or guarantees for personal uses- which violates the SECs program rules if true. She refused to show me any documentation or forms related to the types of Navy Federal medallion guarantee services they provide- severely lacking transparency. This denial of my basic request as a customer left me penalized and cost me unnecessary hassle finding guarantee services elsewhere, I should have full eligibility for. Later the same day I visited other Navy Federal locations to get clarity on the managers statements and was met with the same answer. I am unclear if the managers were intentionally misrepresenting services due to unwillingness to serve me, or if Navy Federal unlawfully fails to extend medallion guarantees under SEC investor protections. Either case warrants regulatory investigation and potential penalties if service was improperly denied. As an eligible Navy Federal customer, Navy Federal needs to justify why I can not avail guarantees of my signature and not a whole security allowed under established programs you govern. Comparable to a notary the notary doesn't authenticate the legal validity of the document per se. It authenticates the signature of the person that is endorsing the contract as valid and true. The personal signature guarantee is guaranteeing my signature is authentic as I place it on a security. Speaking on securities, I gave a security in the form of an application for an auto loan. Navy Federal denied my extension of credit which is clearly securities fraud. Per Navy Federal 's XXXX  Annual Report page 26 section titled Loans, an auto loan is considered a secured loan. Secured means that it was backed by collateral. You also state on your disclosures that Navy Federal does not share personal information with non-affiliates and if that is the case then you can also explain who XXXX XXXX and XXXX XXXX is?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
To whom it may concern, I am writing to dispute unauthorized hard inquiries on my ( XXXX, XXXX, and XXXX ) credit report. My most recent credit report shows ( 6 ) inquiries that I did not authorize. These unauthorized inquiries are negatively impacting my credit and causing undue distress.

According to the Fair Credit Reporting Act, 15 USC 1602p, " unauthorized use '' refers to the use of a credit card by someone other than the cardholder, without the cardholder 's permission or benefit. As I did not authorize these inquiries or benefit from them in any way, I am requesting that you promptly remove them from my credit report in compliance with the FCRA.

Please let me know if you require any additional information to process my dispute. I look forward to the swift removal of these unauthorized inquiries.

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY, XXXX SS # XXXX XX/XX/2023 Wells Fargo Escalation Representative XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SD XXXX T : ( XXXX ) XXXXXXXX XXXX XXXXXXXX Case # XXXX Application # ending in : XXXX RE : Adverse Action Dear XXXX XXXX ( Escalation Representative ) Wells Fargo I, the consumer, and natural person, was denied credit by Wells Fargo when I applied for credit. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Wells Fargo due to response I received. Wells Fargo is in violation of 15 U.S code1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith but credit was not issued. Furthermore, because my social security number ( credit card ) was used and Received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Wells Fargo. 
If Wells Fargo fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Wells Fargo criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also Follow up with an invoice for said violations ( { {$1000.00} } per violation. ) Thank you. 
XXXX : XXXX [ XXXX ] Without Prejudice. All Natural Inalienable Rights Reserved.

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 2024-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC
State: OR

Complaint narrative:
I am submitting this complaint against Global Lending Services LLC, requesting to maintain my anonymity due to serious concerns for my personal safety and privacy. 

This complaint centers around an agent at Global Lending Services LLC, who, after our professional interactions, inappropriately used my personal information to contact me for personal reasons. This agent was not only privy to highly sensitive information, including my home address and social security number, but also expressed intentions of pursuing a personal relationship outside the professional scope, which is highly unethical and frightening. 

Disturbingly, it has been brought to my attention that this individual was previously terminated from employment due to XXXX harassment allegations. Despite this history, Global Lending Services LLC chose to hire and subsequently promote this individual within their ranks. Even more concerning is the fact that his promotion came with high recommendations from the head of his department. This endorsement, despite his known history of inappropriate behavior, is incomprehensible and alarming. It suggests a systemic failure within the company to recognize and act upon significant red flags regarding employee conduct. 

It has also been revealed that once the company was made aware of his behavior, their response was merely to transfer him from one department to another, rather than addressing the underlying issue. This practice of ignoring and, in effect, enabling such behavior places clients at risk and questions the company 's commitment to ethical standards and customer safety. 

The knowledge that someone with a history of misconduct was not only employed but recommended for promotion by senior management has exacerbated my fears for my safety. It is unacceptable for a company to so negligently handle such serious concerns, especially when it pertains to the safety and privacy of their clients. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into my claims and to hold Global Lending Services LLC accountable for their actions, or lack thereof, in dealing with such serious allegations of misconduct. The company must be questioned on their hiring practices, their process of internal promotion, and their response to allegations of inappropriate behavior by their employees. 

Thank you for your attention to this distressing matter. I trust that the CFPB will take the necessary actions to ensure justice is served and that measures are implemented to prevent similar incidents from occurring in the future.

Company response to consumer: Closed with explanation