vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a telephone scam in which the person posing as a XXXX police and prosecutor claimed that I was involved in a XXXX XXXXXXXX XXXX XXXX XXXX  and money laundering case and I needed to be repatriated to my home country. 
In order to not be extradited I needed to submit a proof of funds to the XXXX. So the other party asked me to go to the U.S. BOA bank at about XXXXXXXX XXXX EST on XX/XX/XXXX to remit XXXX XXXX dollars to the other party 's XXXX XXXX XXXX XXXX XXXX account, and to remit XXXXXXXX XXXX to the other party 's designated Industrial and XXXX XXXX XXXX XXXX XXXX XXXX  ) account through the cell phone APP of the XXXX XXXX XXXX 
I found out on the evening of XX/XX/XXXX that this is a scam, and completely lost contact with the other party.

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 2023-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been disputing for 3 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX  and AG! 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I believe I am owed monetary damages for the emotional distress this has caused. I have been getting denied left and right because of this companies FAILURE TO DO THEIR JOBS! 

XXXX XXXX - XXXX IS THE ACCOUNT I AM REFERENCING

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 2023-11-14 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: MO

Complaint narrative:
Subject : Urgent Request for Investigation and Removal of Unauthorized Accounts My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance concerning unauthorized accounts held by XXXX  XXXX in my name. Regrettably, I have fallen victim to a XXXX scam, and it has come to my attention that accounts have been opened without my authorization. 

I kindly request a thorough investigation into this matter to rectify the situation promptly. I emphasize the urgency of this request and urge you not to close the case without a comprehensive examination and the subsequent removal of any accounts associated with my name that have been established without my consent. 

Your cooperation in this matter is greatly appreciated, and I trust that your team will handle this issue with the utmost diligence. I am more than willing to provide any necessary documentation or information to aid in the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
I asked this company to verify their debt as theyve been attempting to collect money from me according to my credit report. 
I have never had any accounts with waypoint

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 2023-11-14 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: VA

Complaint narrative:
Filed a dispute according to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practice Act ( FDCPA ). I asked Equifax to provide my signature authorizing them to provide said credit report to others without my consent. Also, to remove all negative information from my Equifax Credit Reports without providing the original contract with my " wet signature '', the original credit grantor 's authorization to any debt collector for the alledged debts, and providing detailed validation of the alledged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NC

Complaint narrative:
I have been disputing for 3 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX and AG! 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I believe I am owed monetary damages for the emotional distress this has caused. I have been getting denied left and right because of this companies FAILURE TO DO THEIR JOBS! 

XXXX XXXX XXXX XXXX  IS THE ACCOUNT I AM REFERENCING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NC

Complaint narrative:
I have been disputing for 3 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX and AG! 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I believe I am owed monetary damages for the emotional distress this has caused. I have been getting denied left and right because of this companies FAILURE TO DO THEIR JOBS! 

XXXX XXXX XXXX XXXX IS THE ACCOUNT I AM REFERENCING

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 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I was driving when I got a cal from XXXX, the chase customer service number. The scammer on the other end sounded very professional like you would expect chase to be and they told me that a wire transfer was trying to be made on my account and he was confirming that it was me, I said no and he proceeded to say that they are going to attempt a wire reversal. First he had me confirm transactions from my account, he even told me which account number so they had my banking info. I the followed his detailed instructions which included adding a recipient which he said was the wire fraud technician and I had to give him access into my account he then had me enter in the amount that was trying to be taken from the account. This ended in me wiring {$5000.00} to them. I was driving when all of this took place so I was partially distracted and they seemed very urgent so unfortunately I was taken advantage of. I opened a claim with chase and they keep telling me it is not fraud because I initiated the transaction and they seemingly do not care. I did not give out information to them carelessly i just didnt know at the time what a wire transfer is which led me to send them money without actually knowing I was doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: VA

Complaint narrative:
I received two letters that were dated in XXXX stating I was past due. One letter stated I was 35 days past due and the second letter stated I was 25 days past due. I emailed customer support XX/XX/XXXX and they responded that on XX/XX/XXXX they only received a partial payment for XXXX causing me to still owe them. I looked on my payment history and contacted the XXXX XXXX who sends a monthly payment to them of XXXX monthly and they sent me a copy of all cashed checks mailed from them and none of the amounts were for XXXX and my upgrade payment history didnt show any payment for that amount was posted to the account. I sent the copy of the transaction ledger proving they have received all full monthly payments before the XXXX of the month. They then responded saying I missed a half of a payment on two different months which was untrue. I called the support number and spoke to XXXX who said I was set up on biweekly ACH drafts and when I started making monthly payments I missed a month where I would have gotten paid 3 times in a month and I only made 2 half payments instead of 3. I asked for documentation I signed stating it was contracted I have to pay bi weekly payments. He did not provide it and said I should have a copy. I advised the Truth in Lending Disclosure I was giving does not state anything that he was implying. I also asked for a signed copy of the contract I signed and he did not provide any information other than I owe 2 half payments. I asked for a supervisor and was transferred to XXXX who advised the same information already given from XXXX. I advised this is impacting my credit negatively and he said it wasn't because they do not report until over 30 days past due and claimed I was 25 days past due because I didn't make bi weekly payments and told me I needed to send him proof it hit my credit. He said he could offer me a hardship deferment to get my account back up to date. I told him I was not behind and I asked if the calls had been recorded and he said yes. I asked if they had copies of the email correspondence and he said yes and my account had been notated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I asked the company CCS to verify this debt as its negatively impacting my credit score. They didnt provide me any documentation.

I disputed on my reports but it remains. 
Not mine!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Contacted company multiple times starting on XXXX through XXXX with no resolution. Company states they have resolved the issue ( see their response below to last complaint ) however, as of today ( XXXX ) I am still unable to access my information via their website getting the same error message ( see attached ). I've emailed them directly with information to verify my identity and they will no respond. FIX THIS. 

Company Response On XXXX : It is our policy to take each complaint seriously and to respond to complaints swiftly. Your complaint appears to be related to your myEquifax account access. We have completed the review of your online account at www.myequifax.com and we are happy to let you know that the login issue you experienced has been resolved. Please log in using the password associated with your myEquifax online account. If you do not remember your password, please select the " Need Help Signing In '' link under the password field. This will allow you to do an account recovery and update your password if needed. If you experience any issues, please contact our consumer care department at XXXX between XXXX am XXXX am, 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. At Equifax we want to ensure that all of your concerns are addressed ; if you still have questions or require further assistance you may call XXXX ( XXXX ), or send an email to XXXX. You may also visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
Constant harassing calls from debt collectors for loan I did not apply for, at checkngo.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Filed FTC complaint and notified this company that I noticed an unauthorized inquiry on my credit report and requested this company to investigate and block this inquiry because I did not consent to my credit being checked by this company to which this company has failed to do. Its been more then 4 days to which is the timeframe under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-15 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I paid collection for XXXX XXXX credit card of {$290.00} XXXX XXXX in paid in full .Should be off my credit report as owed XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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