vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NY

Complaint narrative:
I applied for secured credit card with U.S.Bank and they withdrew {$300.00} for the deposit despite not approving me for the card. Countless calls and hours on phone with a plethora of small time crooks that make up there customer service have netted zero results. Every person i spoke to gave me multiple fabricated stories, the most recent being that they sent back my money on the XXXX of XXXX and that it must be XXXX that is refusing to credit it back to my account. I was 99 % sure that was a lie when i heard it but went ahead and confirmed with XXXX that that was a lie, they confirmed. We both know they'll never be punished or even forced to stop attempting to defraud potential customers, I just want & need my {$300.00} back, its been weeks already, no ach transfer takes this long. And of course they refuse to provide any email confirmation of any conversations as well as no email i can contact them with

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 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-09 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: GA

Complaint narrative:
My name is XXXX XXXX and I'm a natural man submitting this complaint on the behalf of myself without any third party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, XXXX, Equifax and XXXX is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: GA

Complaint narrative:
My name is XXXX XXXX and I'm a natural man submitting this complaint on the behalf of myself without any third party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, XXXX, XXXX and Experian is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My XXXX XXXX account XXXX, is inaccurately showing as a collection account on all three of my credit reports even though its in good standing with the company and each violations of this is XXXX dollars per day until its fixed and I need to have this fixed as I am trying to purchase a home. Attached are all the documents showing that the account is showing up as a collection on my credit report which is in violation of federal law and has made significant impacts to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: CA

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 XXXX  Acct # XXXX Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
Over the weekend, a friend tried to send me {$300.00}. I was contacted by Cashapp that I would have to pay a {$100.00} XXXX  fee in order to receive the money. My contact is at this email address ( Cash App XXXX ). 

I paid the fee as instructed. However, then they came back and asked for an additional fee of {$77.00}. which was accepted and which I provided a receipt just as I did for the previous {$100.00} payment. even with a copy of the receipt, your folks said hey did not have it and demanded I repay this amount. which I did again. 

As soon as that fee was paid, they then said I owed another {$280.00} fee as a XXXX  fee. As you can see, I was now being asked to pay fees in excess of the amount that was being sent to me. Meanwhile, the app locked up on me and I could no longer load the app with money to pay this additional fee. 

Since the app was locked up I was then instructed to pay via XXXX. I first paid {$280.00} for this XXXX  fee through XXXX giving them a receipt. they denied receiving it. and demanded that I pay an additional {$250.00} through XXXX. I paid this as well providing a receipt. I was told the XXXX team could not find or handle this money. 

They did unlock Cashapp, I loaded cash into that last night and paid the additional XXXX  fee. They came back his morning and wanted another {$790.00} I refuse to pay any more. Supposedly they are working on it. However, it has been 3 days and I have seen no results. For clarity, this is the amount of fees I have paid thus far. 

Fees paid to Cashapp to receive {$300.00} sent to me by a friend. 

XXXX XXXX Fee : {$100.00} XXXX fee : {$77.00} XXXX ( 2nd ) : {$77.00} PVC Fee : {$280.00} From XXXX : PVC Fee : {$280.00} PVC Fee : {$250.00} Total : {$1000.00} So now I have spent in excess of XXXX times the amount being paid to me just to get the money being sent. 

I have talked to my attorney. This is fraud. You are my first step. I will also be notifying the company of my actions. 

I need this to be resolved. 

Thank you, XXXX I do have my email trail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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:
I don't recognize nor have I authorized the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
You Bank OF America have pulled my credit report on XX/XX/23 and have denied me credit which is a violation according to FCRA.

You are in violation of : 12 CFR 1002 : equal credit opportunity act 15 US Code 1642 : issuance of credit cards 15 US Code 1681m : requirements on users of consumer reports.

Thats a {$1000.00} for each violation. I am requesting your company to please reconsider my application for approval. Thank You

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 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Best Service Co.,Inc
State: WI

Complaint narrative:
The Best Services Company ( henceforth referred to as TBSC ) attempted to collect a debt that where no debt validity was ever sent. TBSC claims a validity letter was sent on XXXX What they fail to disclose is when it was allegedly sent to my old address in XXXXXXXX XXXX. We moved to XXXX, XXXX XXXX miles away. in XXXX of XXXX XXXX  then sent a letter explaining the account would be reported. Once again, not to the correct address and to an address we had not lived at for 6 months. TBSC cajoled and bullied me into paying a debt, as the dispute period had already ended. I never once claimed ownership of the debt, but paid it in full on XX/XX/XXXX. I did not know my rights, and would have immediately requested a debt validation letter at the time If I had known. I have since requested two of them, which TBSC says in their response in writing that they ignored. FCRA DOES NOT require reporting a paid debt. This is a practice that TBSC takes great pride in doing, valid or not. I moved cross country and was taken advantage of, the least TBSC company could do is remove the collection, one of my only negative credit marks. 

What is lost in the information avalanche is that I paid on a debt that was not valid, and am now sentenced to 7 years of a negative mark that should never have been in the first place. This is disingenuous, lazy and misleading. All I ask is that they remove the report, the rest is water under the bridge. At the time of this complaint this has been marring my record for 4 years, 9 months, 10 days Calls to this company have related in the customer representative repeatedly feigning to understand what is being asked and answering questions about queries that are not being asked repeatedly before disconnecting the call.

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
NOTICE OF IDENTITY THEFT / OPPORTUNITY TO CURE TO WHO IT MAY CONCERN. 
My name is XXXX XXXX and I will like to put you on a notice of identity theft. 
I am disputing an alleged fraud transaction and alert on my account number with information below Bank Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/2020 Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Paid Debt Paid in Full Date : XX/XX/2020 Contribution Reason : Checking Account Fraud which was closed due to an alleged fraudulent activity. 
This was an identity theft which I did not participate in. 
An amount of XXXX was deducted from my other Bank of America account number XXXX on XX/XX/2020 without my approval which is illegal. 
I would like to say I was a victim of identity theft and I will like all money deducted from my account be refunded to me and any identity theft on my early warning services and XXXX XXXX should be removed immediately. 
Find attached an FTC identity theft report, XXXX XXXX AND XXXX XXXX XXXX REPORT as proof I give you XXXX working days to resolve this issue as this account status is defaming my character and I have lost a lot of business relationship and ability to business with creditors. 
Because of this defamation of character, I have suffered emotional and financial damages for years and you have also stolen from me. 
This is the first time I am speaking in years of suffering and pain as a victim of identity theft. 
You have XXXX working days. 
Kindly take this seriously. 
Regards XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX  Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting Act these convergent accounts has violated my rights. 

15 U.S.C 1681 section 602 A. -States I have the right to privacy.

15 U.SC 1681 Section 602 A Section 2- Also States a consumer reporting agency can not furnish an 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 2023-02-09 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: PA

Complaint narrative:
XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting Act these convergent accounts has violated my rights.

15 U.S.C 1681 section 602 A. -States I have the right to privacy.

15 U.SC 1681 Section 602 A Section 2- Also States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
The collection is from XXXX XXXX for amount of {$730.00} received on XX/XX/XXXX and I have never used this service in my life. 
It states the is owed on XX/XX/XXXX fromIC reference XXXX and account XXXX Around a year ago I received a call about an amount I owed this company and was asking for my address and other information which I didnt give because XXXXXXXX XXXX was fraud. Told them I never used the service and hung the phone. Had not heard about it until today again. 
The action Im taking is responding today XX/XX/XXXX checking the box disputing this is not my debt.

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 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Recovery Solutions, LLC
State: CA

Complaint narrative:
I noticed this debt in the amount of {$890.00} being reported on all 3 credit reports. I disputed the information with XXXX as this agency is used to pull with potential future lenders. In any event I am NOT responsible for this debt owed as it is due to identity theft. XXXX XXXX XXXX XXXX responded to my dispute by USPS mail on XXXX XXXX. XXXX and requested I send over a filed theft report online at XXXX. This has been completed and the reference # is XXXX... this report can be viewed at any time.I also filed a police report regarding this matter. I then noticed that this account has ben transferred to XXXX XXXX XXXX. A debt collection agency. I spoke with a representive today at this aw firm that indicated that my account was sent to them on XXXX from th merchant. XXXX XXXX XXXX  then sent this account over to ASSET RECOVERY SOLUTIONS a sister company to them as a debt collection attempt. AGAIN I DO NOT OWE ANY DEBT FROM THIS CREDIT CARD COMPANY> I ave been a victim of identity theft since XXXX. Someone stold my wallet from my purse and gained access to all my personal information including my CA ID my social security card, banking information etc. This agency DID NOT PROTECT MY IDENTITY. I am asking that you REMOVE THIS DEBT ACCOUNT AS IT IS FRADULENT. I have contacted ASSET RECOVERY SOLUTIONS TODAY the account # XXXX. Please do right and remove this account from reporting debt that i do NOT OWE from XXXX XXXX and XXXX. Thank you. Feel Free to contact me at XXXX or email me back at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I closed my XXXX XXXX account yet representative XXXX says it may take up to 2 months to report my account to credit reporting agencies as Closed at request of consumer. The FCRA and Metro 2 require prompt and immediate automatic reporting to all credit reporting agencies simultaneously upon closure by consumer via a mid-cycle mandatory submission. Creditor is therefore in willful violation of the FCRA and Metro 2 Compliance protocols for which I demand {$1000.00} in statutory damages for each and every day the willful violations remain. I demand permanent deletion of my account from every credit reporting agency to mitigate damages which will certainly escalate.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I closed my XXXX XXXX account yet XXXX says it may take up to 2 months to report my account to credit reporting agencies as Closed at request if consumer. The FCRA and Metro 2 require prompt and immediate automatic reporting to all credit reporting agencies simultaneously upon closure by consumer via a mid-cycle mandatory submission. Creditor is therefore in willful violation of the FCRA and Metro 2 Compliance protocols for which I demand {$1000.00} in statutory damages for each and every day the willful violations remain. I demand permanent deletion of my account from every credit reporting agency to mitigate damages which will certainly escalate.

Company response to consumer: Closed with explanation