vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 15 U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AZ

Complaint narrative:
My name is XXXX XXXX and there is several fraud charges from Tagged on my cash app debit card I barely use from XXXX to XX/XX/2023, totaling 10k .Its my cash app I use for my businesses. After reviewing all my banks and transactions. Ive been a victim of identity theft and my personal info is on the dark web. I have filed a police report, ftc report and had to change cell phone providers and change my DL number due to this unfortunate events. Ive since had to close my cards and change phone carriers for two of my businesss due to fraudsters accessing my phone service account. Ive had several bank accounts hacked and this has been financial hardship on my businesses and personal affairs. 
I been reaching out to cash app annd tagged and filing fraud and dispute claims and they been denied saying based on the information they received the transactions are not refundable or fraud. When I ask for proof I dont hear anything from them. Ive submitted ftc and my local police fraud report and still no response I reached out to tagged and asked for proof to be sent to me of the fraudulent charges and I have not heard from them to remedy this issue I learned of it in XXXX. Im not sure what to do next. My XXXX account was affected too due to fraudulent charges from tagged merchant and I disputed with tagged for those transactions and they refunded me so why not the transactions on my cash app account. Since then Cash app has took my card without me knowing and I had to chat with two representatives who could not tell me why? Ive had to find another way for my clients to pay me and this all an inconvenience my business. Can you assist in anyway?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Money was transferred from my savings account into my checking. Then the money was withdrawn to a cashapp account. My password and phone number was changed on my account. I contacted the institution which is CHIME to inform within hours of it happening. Total of XXXX was taken fraudulently out of my account. No resolution has been made it it has been almost 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: VA

Complaint narrative:
1. Three ( 3 ) transfers made from my XXXXXXXX XXXX to the Cdn  recipient account to date that are not received : i ) {$2200.00} US ( {$3000.00} CDN ) sent XX/XX/XXXX. 
ii ) {$300.00} US ( {$400.00} CDN ) sent XX/XX/XXXX I have submitted the recipient 's bank statement showing non-receipt. When contacting their bank, recipient is told no transfer appears as pending. I have previously send 10s of thousands ( if not hundreds by now ) in aggregate over the years using Wise, formerly TransferWise. The transfers have always arrived by the second business day and usually within 4 - 8 hours of being sent.

I have contacted them multiple times. Initially, I received what appear to be boilerplate auto replies. Now I am receiving nothing. I have not yet located the customer service phone number. It is not readily available on the app or site. It appears this is a known issue so I am not waiting longer to raise the red flag. My family needs this money and we can't wait weeks or months for a resolution. 

I have attached the 2 'receipts ' Wise provides with a link on the app. The receipts imply that the reference number on each document a XXXX XXXX confirmation number. The recipient presented these to the XXXX  division of their bank ( XXXX ). That team was unable to locate any inbound XXXX  transfers in general or with those references, specifically. The next step Wise recommends online is to upload a bank statement demonstrating non-receipt since the date it was sent. This was done. There was no reply to this submission ( 2 days ago ) although they declare a response will come in 1 business day.

It was at this point I did some investigating and found that Wise has been doing this to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, and XXXX  account XXXX XXXXXXXX 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 2 : 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 explanation
Consumer complaint received 2023-05-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-05-18 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: LA

Complaint narrative:
I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to take immediate action to correct this mistake.

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 2023-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: NJ

Complaint narrative:
They keep calling me for a alleged debt for a hospital bill. They had been told multiple times not to call me and send me a itemized invoice for this alleged debt from the hospital. They called XXXX and I advised them again not to call and a certified letter was sent to their company in regards to this matter. My insurance carrier also told me the bill was paid in accordance to the law and that this would fall under the Federal Law of The No Surprises Act. They then called on XXXX from XXXX after they were told not to call. This is a clear violation of the FDPCA when they were told again on XXXX do not call me and to only contact me via mail and that I had sent them a certified letter in the mail as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: MO

Complaint narrative:
Experian customer service rep had me disconnect and connect my XXXX and it screwed up my whole account. I have have emails admit it's there problem on there end but can't or won't fix it it dropped my score and won't put it back and it wiped out a years payment history because the company changed its name from XXXX to XXXX and a lot more I emailed all evidence to experian and they are aware of a paid in full on a closed account and won't change 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 2023-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hi, my name is XXXX XXXX. DOB XXXX. 
My Address is XXXX XXXX XXXX, XXXX, MI XXXX. 
My email - XXXX Phone - XXXX I had a XXXX with XXXX XXXXXXXX but since i left my job, i was planning to move it chase investment account. ( Direct rollover ) I already had an checking account with chase bank. 
I contacted XXXX XXXX & got the check from XXXX XXXX went to a chase branch at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI. 
I being helped by a banker to deposit the check. But, after 2 days i got a secure massage from chase that my check has been rejected. So i called chase customer service, they told me to write my name of back of check and deposit it again. So i did. The check was being on hold for several days before it's cleared. 
But, after a few days i saw my checking account is gone. I called chase customer service, they said they closed the account because they couldnt verify the check. They need to verify the check. 
So i get back with XXXX XXXX  ( formerly j.p morgan retirement plan service ) they provide me 3 numbers to contact them. 
( Numbers provided by XXXX XXXXXXXX, XXXX, XXXX ) I provide these numbers to chase customer service few times, but everytime they saying It's not a valid number. 
While these numbers are listed on their website and anybody can contact them. 
Surprisingly, chase customer service couldnt. Upon talking with chase customer service & XXXX XXXX customer service, i being told that chase already cashed my check. They already got the funds from XXXX but they're not gon na give it to me. 
It's my hard earned money but chase don't want to give my money back. 
I been in the same loopholes for several days now. Customers service arent helping me. I don't know where to file an official complaint about my money that being held by chase because they couldnt verify. 

I deliberately try solv the issue but chase bank isn't helping me nor giving my fund back. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
I have applied for the California federal Mortgage relief program and after a year wait and previous denial finally I got approved for up to {$80000.00} in grant towards my deferred mortgage balance of {$80000.00} which consist of 4 deferrals combined resulted during the covid. Very exciting news for any struggling and low-income minority homeowner like my self. considering that I am a senior over XXXX years old of age. 
The bad news the servicer decided blocked it and continues to block it from going through or even cooperating rather they have decided to discriminate a against me and turned it into a night mare. 
They said Because the program is only paying up to {$80000.00} and my deferred loans amounts are {$80000.00} they are not sure what to do or how to handle the remaining balance of the deferred loans of {$500.00} which I have offered to pay but they have refused so they could block the assistant from going through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I requested a transaction thru Cash App ( XXXX XXXX XXXX XXXX XXXX CA XXXX ) However, I selected the wrong tag. It was intended for my niece XXXX XXXX ( XXXX XXXX XXXX ) but I sent it in error to XXXX XXXX ( XXXX XXXX ) my niece 's maiden name begins with an XXXX so that's why I thought it was the right one. And I didn't expect anyone else to have the tag of XXXX XXXXXXXX. the error was mine. However when I realized that my niece did not get the funds I tried t reverse the transaction and I called Cash App as soon as they opened. They advised me to send a refund request to the recipient and there was nothing else they could do. I sent the refund request and the recipient declined to refund the money. Cash App gives the recipient the option to say yes or no to refund the money which I feel is wrong. I don't understand why they couldn't have reversed the funds back out of the acct. I have contacted Cash App several times but they maintain that they are unable to help. I also contacted my bank and they explained that since my bank didn't send the money directly to the person there's not much they can do. However, they tried. My bank reversed the transaction so the funds were back in my account however, after contacting Cash App they advised that they would be removing the funds again from my account. I had just borrowed that money from XXXX XXXX to catch up on bills. Is it legal for someone to keep money sent to them in error?

Company response to consumer: Closed with explanation