vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 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: NY

Complaint narrative:
I sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX, XXXX, and XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681 : 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 an account without my written instructions. Also according to 15 USC 6802 : No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: AR

Complaint narrative:
On XX/XX/22, I was victim to a check cashing scam on my bank account. My bank is with US Bank. I immediately tried speaking with someone from US Bank, I've talked to at least 15 people who give me the run around. No one will help with the account. I filed a police report, filed a scam report with the postal service, XXXX  and FTC. US Bank put a hold on my accounts and will not give me access to any of my funds for over 2 weeks. I have not been able to pay any of my bills including rent, cell phone, insurance, credit card bills, buy food, gas, and groceries. My family has had to help me and my two children, on top of which, both of my children having XXXX which has prevented me from working for a week. I've tried meeting and talking to the Branch Manager in XXXX but she would not meet with me. When I finally was able to call and talk to her she stated she could not give me corporate or fraud department number but to call customer service again and try to speak with someone. She stated there was nothing she could do and was no help whatsoever. Someone else stole money and now I am being framed for it and my bank is doing nothing to help my situation or actually investigate the situation. They just closed my account and won't talk to me to get the story or situation or give me my money. I need help because I am innocent and could possibly be evicted, have my phones cut off, and lose everything I have worked for because someone else used me to scam {$1900.00} from the bank. I am completely disgusted with the bank and how much they have blatantly disregarded me the past couple weeks. I just need my account with my paycheck to be released so I can pay my bills. I did not steal any money from the bank and can prove it with no problem. I am a recently divorced single parent of two young children who works full time on XXXX and XXXX XXXX  full time at XXXX XXXX to become a XXXX XXXX XXXX  and I can not afford these issues. It isn't fair that me and my children are the ones suffering for someone else 's theft, fraud and forgery. After talking with the police again about the banks lack of effort in helping with the situation, the detective on the case stated I need to give all the evidence and information to the Attorney General for further help and investigation. The bank force closed my account without proper investigation. I reported the situation to XXXX XXXX XXXX reporter for XXXX XXXX XXXX XXXX and in the process of hiring an attorney.

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 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I logged into my amex online account on XX/XX/XXXX and found out all my cards were cancelled and I found a voicemail in XX/XX/XXXX, someone from amex wanted to talk to me and I called back right away. 

Amex service team told me it was a business decision they closed my account and all my rewards points were gone when they closed my account. My concern is Amex didn't warn me anything and shut down my account without leaving me choice to redeem my rewards points. I have been with Amex for almost 8 years and spent tons of money using Amex since I am a small business owner. I spent a few XXXX a year on Amex and I saved over XXXX XXXX rewards points ( about $ XXXX cash value ) on my account. And all are gone, they just wouldn't allow me to redeem them so I lost so much money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC

Complaint narrative:
On the XXXX of XXXX of 2022 Celsius blocked all accounts from transfers or withdraws. 
At the time I have XXXX btc, XXXX XXXX and XXXX usdc. 
They blocked all accounts leaving us costumers with no control over our assets. 
XXXX do not return my emails asking for access to my funds and did not answer my calls. 
I do not want any thing els than my life savings that they hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There has been use on the dark web of my personal information and a name that I have never gone by at all

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. charge-off with 3 different dates listed under " date of last activity '' XXXX XX/XX/2016 XXXX TransUnion XX/XX/2016 XXXX XXXX XXXX XXXX Based off that information provided I show a violation of my fair credit reporting rights on accurate reporting.

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 2022-07-14 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I ordered an entry table from XXXX I did not receive the item for a very long time. When I did I received socks from XXXX. I tried calling the number at the bottom of the website ( XXXX ) XXXX and some man picked up and said the company was a scam. I called capital one with the dispute and have received the absolute worst service every. They contacted the company XXXX  and they said I ordered a table cloth! Which is not what I ordered. I provided the email receipt and capital one will not support my claim. They hang up on me. I explained that I called the number on the site and they said they wanted documentation. I asked how to provide it besides giving them the number off the website or providing them with a call log and that was not what they wanted. But they would not help explain how to provide what they could use. Please help me with this claim. I am extremely frustrated and disappointed in capital ones customer service and the fact that I was hung up on twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14 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 — Investigation took more than 30 days
Company: LJ Ross Associates
State: IL

Complaint narrative:
It has been well over 30 days, and I have not received any investigation results. I have filed a dispute in regard to the incorrect items on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting act and XXXX  Account 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX REMOVE OTHER NAME ON MY CREDIT REPORT I ONLY GO BY XXXX XXXX ', PLEASE REMOVE ADDRESS I LIVE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TEXAS, 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 2022-07-14 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: Io, Inc.
State: NC

Complaint narrative:
Receivable management systems a third party collections agency account number XXXX is reporting inaccurate data violating 15 USC 1692F section 808. Unfair practices by reporting the following to XXXX and XXXX : fees charged 3 to 4 times a month and a past due balance higher than the amount owed. According to the FCRA and the FDCPA 15 USC 1692F section 808 Unfair Practices : a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The following conduct is a violation of this section : The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation. This account was opened XX/XX/2017 by receivable management systems. I am an XXXX XXXX service member and they failed to report the medical visit under the proper insurance accounting code. The original balance was {$320.00} and over the last 5 years I have been trying to dispute this matter. The collections company continues to report fees to XXXX and XXXX multiple times a month. The amount now due is {$770.00}. I would like for this item to be removed from my credit reports. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : XXXX XXXX XXXX - # XXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy.

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b.

15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.

15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions.

15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately 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 explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
THESE ITEMS NEED REMOVAL IMMEDIATELY COLLECTIONS *XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX ) = {$860.00} XXXXXXXX XXXX  - ( Date Opened XX/XX/XXXX ) = {$510.00} XXXX XXXX  - XXXX Date Opened XX/XX/XXXX ) = {$440.00} XXXX  - ( Date Opened XX/XX/XXXX ) = {$500.00} *XXXX - ( Date Opened XX/XX/XXXX ) = {$930.00} XXXXXXXX XXXX - ( Date Opened XX/XX/XXXX ) = {$510.00} XXXXXXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX ) = {$310.00} INQUIRES XXXX XXXX XXXX ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXXXXXX - ( Date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX- ( Date Opened XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX - ( Date Opened XX/XX/XXXX XXXX XXXX XXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX - ( Date Opened XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 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: MI

Complaint narrative:
I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : XXXX XXXX XXXX - # XXXX - XXXX XXXX XXXX # XXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy.

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b.

15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.

15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions.

15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately 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 non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, someone fraudulently opened a savings account under my name and deposited 2 checks in my account and Ive been getting punished for it ever since. Truist is refusing to release me my funds from the account until the fraudulent checks return. Mind you this issue has been on going for 3 months and I cant access none of my money that has NOTHING to do with those fraudulent checks. Ive been getting direct deposits into my Truist checking account for 7-8 months now and they are refusing to give me my money can someone help me Im unable to pay my bills this is my only bank account and Im being treated unfairly and Truist is doing little to nothing to help

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 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
I got a phone call and Text from CBE collections. I see from there reviews that they are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lendmark Financial Services
State: VA

Complaint narrative:
On XX/XX/2022, I XXXX XXXX sent Lendmark Financial Services LLC a billing error dispute pursuant to 12 CFR section 1026.13 ( b ), correction of billing errors pursuant to 15 U.S.C. 1666, and claim for credit balance pursuant to 12 CFR 1026.21, in the amount of {$6600.00} The correspondence I received back from XXXX XXXX, Associate Legal Counsel for Lendmark Financial Services LLC, had nothing to do with the information that I had requested. I requested documentary evidence of the original instrument of indebtedness, evidence that Lendmark Financial Services LLC owns the debt. I requested the license to collect a debt in the state of Virginia, I asked for evidence that the balance is a credit balance or a debit balance and adjust the account and billing statement in accordance with General Accepted Principles ( GAAP ) an/ or the International Financial Reporting Standards ( IFRS ) were applicable.Provide me with evidence that Lendmark Finacial Services are not creditors who have extended me my own consumer credit via the credit balance you have extended. And that you are indeed a debt collector who is collecting a balance due to the United States Dollars. And last but not least provide evidence that the amount which stated what is owed is not an obligation of the United States pursuant to 18 USC.section 8. All of my requests are noted in this communication. Also I need XXXX XXXX 's XXXX XXXX XXXX number to make sure she is not in violation of fraudulent misrepresentation of a government official.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BRite Financial Services, Inc.
State: MI

Complaint narrative:
I was a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Had deposited a Manager 's Check for {$18000.00} on XX/XX/2022. The account can't be found in the mobile chase app after the XX/XX/XXXX weekend. I went to the Branch and dealt with an officer, branch manager, and fraud division. Spent over 3 hours on the fund with the Credit Union that issued the instrument and they said it was paid. The Bank officer acknowledges that the funds are in suspense but unless the fraud department talks by calling them they can release the funds.

Company response to consumer: Closed with non-monetary relief