vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I wrote a check to XXXX XXXX for {$1200.00} with a ( post ) date of XXXX. The check cleared on XXXX by Chase bank. The check number is XXXX. My institution is XXXX XXXX XXXX XXXX. 

Implicitly I don't consent for a check to be cashed until the post-date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Long story short, while on vacation in XXXX XXXX, LA, I was robbed on the early morning of New Years Day of my phone and wallet. Before I could cancel all my credit and debit card accounts ( since I got locked out of everything immediately ), the thieves stole around {$14000.00} via ATM withdrawals, XXXX shopping sprees, XXXX transfers , etc. After promptly going to the police and notifying all my banks within hours of the theft, I have only received about half of the money stolen back. XXXX and XXXX XXXX reimbursed me right away with fraud insurance. However, there is still roughly {$7400.00} remaining of unauthorized transactions with Bank of America checking account ( and via XXXX on the B of A mobile app ) that has not been returned to me even though I never authorized any of those transactions whatsoever and did everything I could to notify B of A as soon as possible. I filed a fraud/theft claim with B of A on XX/XX/24 and they rejected it on XX/XX/24 ( after little to no investigation/interaction with me whatsoever ) stating " We're unable to approve your recent claim [ because ] .... the charge was authorized by you or made by someone who has permission to use the card or account '' which is an utter and complete lie. I filed an appeal trying to make it crystal clear I did not permit any of the stated transactions on XX/XX/24 ( with a turn around time of approximately XXXX business days. ) Fortunately, on XX/XX/24 XXXX of my 3 claims was credited back to me ( on XX/XX/24 I was owed {$9800.00}, now it's down to about {$7400.00}. There are still 2 ongoing claims with 2 different departments all within B of A ) but I wanted to get a CFPB claim started now based primarily on the large amount of money involved and how little due diligence was performed by the B of A Fraud Division prior to my appeal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today, Friday, XX/XX/year> at XXXX XXXX, I received a message from Banco de Amrica, arguing that I owe a debt on their company. I currently do not have an ID, I am in the process of being granted asylum before immigration. Subsequently, I went to the agency to report the fraud of the message. Then to the police agency in XXXX, he told me to only block the number that the fraud attempt is feasible. I attach the message sent to my cell phone. 
I attach the message sent to my cell phone : CA EDD ACH created a group in XXXX XXXX with you and 10 other participants. Reply to chat or # help for tool tips. 

Adding this contact card to your contacts will help you identify the group profile. 
D :, XXXX XXXX.. eddpreactiveprocessing.glitch.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 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I attempted to make a {$1900.00} payment through Venmo on XX/XX/2023. The transaction was declined. I got an email from both my bank ( XXXX XXXX ) and Venmo letting me know the transaction was declined. I then paid the person who was here doing the work via XXXX. 10 Business days later, on XX/XX/XXXX, Venmo sends me a notice letting me my account is in negative {$1900.00} and is frozen. I filed an incident with Venmo and they just sent me an email stating my claim was " denied '' and now they are calling for the money and I have been put in collections. I also even used my Venmo account after XX/XX/XXXX and it WAS NOT frozen or in negative, so somehow they decided to push the transaction ( below ) through again on XX/XX/XXXX and now state that I owe them {$1900.00}. 

Dispute Case ID XXXX Dispute amount {$1900.00} USD Transaction amount {$1900.00} USD Transaction ID XXXX Transaction Date XX/XX/2023 Payment sent to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: SC

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I sent Midland Credit Management , Inc a Debt validation letter, a Cease and desist, a credit/Debt collector decloration and a requested information letter. They did not send me anything back and when I have tried to call them about it they won't take it off of my credit report and they keep hanging up on me. Midland credit Management is going aginst the Fair Debt Collection practices Act, 15 USC 1692g. I sent all that paperwork on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly review the attached documents. I urge the bureau to start an investigation into these accounts, as I am always on time, yet they are incorrectly reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Good Evening, I have submitted a registered security via the Electronic Fund Transfer Act, it is my understanding that my signature secured the security, in which per your Indenture you are selling that security on the secondary market and making profit daily. I did not GIFT you my signature/security. I expect Considerable Value to be given in exchange. Holders shall have an absolute right to receive payment of the principal of, and interest on, their Notes when due, and to institute suit to enforce any such payment. 

IN SHORT THE CREDIT APPLICATION IS a Asset-backed security ( A ) means a fixed-income or other security collateralized by any type of self-liquidating financial asset ( including a loan, a lease, a mortgage, or a secured or unsecured receivable ) that allows the holder of the security to receive payments that depend primarily on cash flow from the asset, including- ( i ) a collateralized mortgage obligation ; ( ii ) a collateriilzed debt obligation ; ( iii ) a collateralized bond obligation ; ( iv ) a collateralized debt obligation of asset-backed securities ; ( v ) a collateralized debt obligation of collateralized debt obligations ; and ( vi ) a security that the Commission, by rule, determines to be an asset-backed security for purposes of this section ; and Per 15 USC 78c ( a ) ( 79 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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. 
Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 an 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 ( s ) 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 accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt out notice to consumers ; opt out methods, with said company " XXXX XXXX XXXX '' Further this is now a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate & the selling of my information to third parties is unlawful ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I received a solicitation email from TD bank in regards to a special loan offer The email specifically stated this will not impact your credit report I filled out the information and within XXXX XXXX received notice from my credit monitoring service alerting me credit has been impacted I never signed any document or promissory not to any loan I only wanted to get rates and terms

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: GA

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: RI

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I wan na say it was between XXXX when my account was closed. I was forced to close my account for overdraft fees all the time I wasnt sure how I kept getting the overdraft fees. I would get paid by my job and somehow Id be paying back fees that I wasnt aware of. I was also still receiving emails and letters once upon a time about resetting my password but the account was supposed to be closed. I was sent money in XXXX  for the hurricane and some how my money ended up going to that account I had to call wells fargo to send me the money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I encountered an individual on the XXXX messaging application with the XXXX XXXX, who later identified herself as XXXX on XXXX XXXX XXXX After a month of casual online chatting, she gained my trust, presenting herself as a wealthy individual with connections in international trading, particularly in gold. She introduced me to the prospect of investing in international gold trading using the XXXX account on the XXXXXXXX XXXX. 

Under XXXX 's guidance, I opened a XXXX trade account on XXXX XXXX XXXX  and made an initial deposit of {$9900.00}. Subsequently, I deposited additional funds totaling {$500000.00}, following instructions provided by XXXX through XXXX messages. 

The account showed substantial profits, and to further gain my trust, XXXX facilitated a nominal withdrawal of {$100.00} on XX/XX/XXXX. However, upon attempting to withdraw larger amounts on XXXX XXXX XXXX XXXX, my requests were refused, and I was informed that my account was locked. 

Upon further investigation, I came across articles exposing scams involving fake gold trades, leading me to believe that I have been a victim of such fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: TX

Complaint narrative:
This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CO

Complaint narrative:
I was looking to buy a vehicle and went to XXXX XXXX in XXXX XXXX California. I was told that a company called EXETER FINANCE LLC would hold my loan. I signed all the paperwork on XX/XX/2023. Then on XX/XX/2023, I received a letter in the mail from XXXX XXXX stating that they couldn't find any bank to finance me so they had cancelled my contract and I was to return the car to the dealership which I promptly did. I had also received numerous statements from Exeter denying me credit. Now I am getting on my credit report that I owe them XXXX  for a car I no longer have. I have tried resolving this issue with Exeter and nothing is being done. I can not get any other car with this on my credit, and have not been able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have two accounts that has been affecting my credit for almost 6 years and I called the company to get that dispute and remove because its a affecting my credit report I tried multiple times to call them and get this problem solved but they deny any any information they say they do not have any account with my information, but it keeps showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
It is important to emphasize that this complaint is not an oversight, but a genuine concern regarding the presence of false and unreliable information on my credit report. The inaccuracies present have led to undue stress, and I am experiencing adverse effects as a result.

Company response to consumer: Closed with non-monetary relief