vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On my credit reports, XXXX, Equifax, and XXXX there are 6 credit inquires from XXXX XXXX that is duplicate and/or fraudulent. I called XXXX and they did take care of it by deleting it. When I called XXXX and Equifax, they both told me this could not be done by them. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Also, I while I was car shopping I specifically asked XXXX with XXXX XXXX of XXXX, Louisiana to only use XXXX XXXX for financing my vehicle. Looking at my reports he did not and he will not return my calls. The same happened with XXXX 's XXXX in XXXX Louisiana in XX/XX/XXXX. I have called, left messages, and emailed the XXXX and have yet to hear back from anyone and it has been over a year. I am fully aware of how car dealerships run your credit to multiple places and that is why I was very specific. Now that I am checking my reports my wishes were not honored. I was given a verbal yes but the proof is on the reports. 
Here is a list of the additional inquires : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On my credit reports, XXXX, XXXX, and Experian there are 6 credit inquires from XXXX XXXX that is duplicate and/or fraudulent. I called Experian and they did take care of it by deleting it. When I called XXXX and XXXX, they both told me this could not be done by them. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Also, I while I was car shopping I specifically asked XXXX with XXXX XXXX of XXXX, Louisiana to only use XXXX XXXX for financing my vehicle. Looking at my reports he did not and he will not return my calls. The same happened with XXXX XXXX XXXX in XXXX Louisiana in XX/XX/XXXX. I have called, left messages, and emailed the manager and have yet to hear back from anyone and it has been over a year. I am fully aware of how car dealerships run your credit to multiple places and that is why I was very specific. Now that I am checking my reports my wishes were not honored. I was given a verbal yes but the proof is on the reports. 
Here is a list of the additional inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-01-03 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: OK

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
after the first CFPB complaint ... .they reopened my savings account back up. 
but then closed the checking account ending... XXXX, where the bank fraud occurred by chase foreign employees and possibly directed and coached by US chase bank employees years before .... they refused to send the military veterans direct deposit back to the US treasury. the chase bank get federal US treasury direct deposit warning notice every XXXX of the month. 

after the criminal complaints about the XXXX chase bank employees from the XXXX  and XXXX colluding to harrass and tempt to compromise my bank fraudulantly... proceed to further harrass me by blocking my checking account. 

most of the chase bank employee fraud occurred in this checking account ending... XXXX. 
i can not access the bank records and notes to provide as evidence. 

-- -branch manager from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... verbally only told me my account were closed on or about XXXX XXXX or XXXX CHASE BANK REFUSED TO RETURN THE DIRECT DEPOSIT BACK TO THE U.S. TREASURY AFTER THE BANK CLOSURE AROUND XX/XX/XXXX TO XXXX. 

there multiple conversations stated by the branch manager of XXXX XXXX chase bank XXXX  XXXX XXXX my account was closed from XXXX XXXX XXXX and by multiple chase employees. yet they refused to send a chase execustive secure messages of this letter and then chase bank employees stole my money... .and was told all deposits will be returned back to sender. but US treasury stated ... chase bank has taken the money and didnt rejecto r send the money back to the US treasury of the customers military veterans benefit payment. 

this is what happens when jobs goto foreign countries in which vital government / military financial information is handled and access by foreign countries. this is a dangerous prelude to XXXX activities and the comprising of former government / military financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing this to discuss about how on multiple occasions this company continues to report incorrect personal information about me and won't fix it. I have sent my drivers license, social, utility bill and nothing is ever corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Hello, Recently, I refinanced a mortgage loan with PNC. Unfortunately, I was both treated bad ( I think the numbers were tempered with or it could be complete incompetence by XXXX XXXX XXXX, XXXX ID : XXXX. I also felt discriminated against. and treated in demeaning ways by XXXX XXXX XXXX The loan officer that I would like to file a complaint against is XXXX XXXX XXXX, XXXX ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX I canceled all automated payments and received confirmation of the cancellation via email. 

On XX/XX/XXXX I was once again charged on a billing cycle I did not authorize when the bill was not due until mid XX/XX/XXXX. 

The unauthorized payment was not fulfilled by the bank and now XXXX is charging returned payment fees on a payment that was never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}XXXX XXXX XXXX XX/XX/XXXX {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: MD

Complaint narrative:
Ive submitted numerous disputes challenging the accuracy of the furnishing on my consumer credit file with all three major credit reporting agencies and i'm getting ignoring. Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ) consumer reporting agencies are suppose to report all accurate information and there shouldn't be a difference in any major credit reporting agency. Pursuant to 15 USC 1681b of the Fair Credit Reporting Act which governs all credit reporting agencies I demand these account listed in the documents attached be remove from my credit file. Failure to do so will result in civil and criminal fines pursuant to the Fair Credit Reporting Act 15 USC 1681n for willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
My name is XXXX XXXX The company name is IQ Data International. I dispusted a debt they refused to remove this from my credit and this is my formal complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/2021 I sent {$1100.00} from one cashapp account I have associated with one phone number and bank account to a second cashapp account associated with a different phone number and bank account. For some reason I could not access the account to retrieve my funds. After over XXXX hours of in app support, several emails and attempts to contact by phone Cashapp representatives are telling me that I can not retrieve my money due to security. No one can tell me what security, no one can tell me where my money is, and there is apparently no escalation process. I do not understand how my money is being kept by this app and I have no recourse to recover it. Is this organization, owned by Square, not regulated?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' some report. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT to the following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND PARAMOUNT RECOVERY SYSTEMS, XXXX XXXX XXXX have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' some report. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT to the following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' a consumer report For me? Experian, XXXX, And Transition have allowed my consumer information to be sold and reported and fraudulently. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT pursuant to he following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: TN

Complaint narrative:
I signed up for a free trial of Banana Republic Style Passport in XX/XX/XXXX. According to the Terms and Conditions, I clicked on the link in my membership profile to cancel, which led me to a screen saying if I would like to cancel I need only to send an email to XXXX. I have been a long-time shopper at Banana Republic but realized this subscription service wasn't for me. 

I sent the email to cancel my free subscription on XX/XX/XXXX. This email should have executed the cancellation per Banana Republics Terms and Conditions. On XX/XX/XXXX they sent an email back asking me to confirm the email address with the account I would like to cancel, so I responded to confirm. They sent me a third email with a list of offers for me to stay a member with the last line of the email being if I would still like to cancel to send an email. The Terms and Conditions do not state that in order to cancel I need to send multiple emails to Banana Republic. I sent the initial email saying I would like to cancel and my subscription should have been cancelled at that time. 

Banana Republic charged me monthly for {$81.00} from XX/XX/XXXX- XX/XX/XXXX. This equates to a total of {$1400.00}. 

I opened up a dispute with Synchrony Bank who runs the Banana Republic cards. The dispute what closed after Banana Republic sent pictures of emails that was sent to my address about " Style Passport '' as proof I should have known I was still a member. 

Synchrony Bank told me that because I did not send in a letter or my own documents with proof of my initial cancellation email that the dispute was closed. It was not made clear to me that I needed to follow up with documentation proving the email was sent. 

I have opened up a second dispute after calling Banana Republic directly to discuss on XX/XX/XXXX, when they said they can only repay the last four months of charges.

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 2022-01-03 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with XXXX but can not produce a trust or contract. They are a third party debt collector. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by credit reporting agencies stating a owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: PA

Complaint narrative:
I am a victim of Identity theft. The 1st incident reported was XX/XX/2021. Even after I locked all 3 of my credit reports and added a fraud alert on XX/XX/2021. Several attempts to obtain credit and open bank accounts in my name have been made. One particularly event.

Actually 13 attempts using various variations of my name where used to acquire a covid relief loan through the US small business administration on XX/XX/2021. This was reported immediately on XX/XX/2021 to the US Small Business administration ( reference # XXXX ), CFPD, FTC and a police fraud report with XXXX XXXX XXXX in XXXX PA. 
* My issue here is the hard credit inquiry causing a negative effect on my credit report that will stay for several years. I have made several attempts to have the US small Business association and Experian credit reporting agency to have the inquiry removed. Because I am a proven victim of Identity theft prior to this incident and I am not in business it should be removed. Both companies have stated it is the other companies responsibility to remove 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 2022-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: MO

Complaint narrative:
I received a check from the XXXX XXXX Redress Administrator based on an order from CFPB to pay out. The check was dated XX/XX/XXXX however I didnt receive check until XXXX and it was damaged. I contacted company and was told to send check in with letter of explanation and a new one would be sent. Its been over 4 months and I still have yet to receive a replacement check. The amount is {$180.00}. The account number is XXXX and my name is 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