vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: MN

Complaint narrative:
I was given my statements back for as the reason that it was denied. That is not a reason, and I also had my money stolen from me and the company did nothing to protect me from this. 

XX/XX/year> I purchased what I thought was a mini washing machine for {$50.00} from XXXX. This website did not initially appear as this, it originally appeared as XXXX XXXX. I had believed I was shopping on XXXX. This however was not the case and shortly after purchase the website disappeared and no longer could be accessed. I could not find an email that worked to contact ( XXXX ) This XXXX fake website and I could not find any way to get my money back. So I provided all of this information about a week later with cash app. Showing them with proof that I was the victim of a website scam. I can provide a case number for this. 

I was still denied my money back. I again requested another dispute on this after the first denial. Within moments of receiving the denial the first time I put in the next one. I was scammed and I should not have to be denied by my bank. I basically am being told that I am a liar when I am not. Something needs to be done about this company not protecting their customers against fraud and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This complaint concerns Experian and an inability to log into my online account and issues managing my credit freeze through their phone system. 
- I had identity theft in XXXX and placed a credit freeze with Experian. 
- On XX/XX/XXXX, I wanted to log into my Experian account to do a temporary lift of my credit freeze, but I found I couldn't remember my password. 
- I followed their process for " I forgot my password '', but it involved them wanting to call me on my old landline phone number, which I no longer have. So I was not able to reset my password online. 
- I tried calling them at XXXX, but that is only for freeze and fraud type services, and it had no option to speak to a person to explain my issue. 
- I tried calling Customer Care at XXXX, but it only referred me to their website for account issues, and when I asked to speak to a representative, the system said it couldn't do that and hung up on me. 
- I don't know how to fix this and restore access to my online account. 

I used their phone system to do a temporary lift of my credit freeze for a certain date range. When I found I finished earlier than expected and called to put the freeze back in place for security, their phone system did not provide that option, gave me no way to speak to a person, etc. I don't know if my online account would have given me that option, but it might have helped. They have VERY limited options in their automated systems. 

I want to add that I did not have these issues with XXXX or XXXX. Experian had this same type of customer service issue back in XXXX where if you hit things that didn't fit their automated service options, then you could not speak to a person or send an online message to get help. All they offer is a po box , and this is not the type of info I feel safe sending through the U.S. mail.

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a debt validation letter to XXXX XXXX XXXX regarding an account ending in XXXX, with a balance of {$37000.00}, originally from UpstartXXXX Bank XXXX To date, they have not validated this debt. Despite my dispute, XXXX continues to report this debt as accurate. I request XXXX XXXX XXXX to cease all collection activities and report the debt as " Paid in Full, On Time '' to all credit reporting agencies. Additionally, I request XXXX to update my credit report accordingly and to notify any company that accessed my credit report within the specified timeframes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XX/XX/XXXX complaint against EARLY WARNING SERVICES XXXX XX/XX/XXXX complaint against XXXX XXXX XXXX made several complaints against XXXX to CFPB XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I had a checking and savings bank account with XXXX XXXX XXXX It's XXXX during XX/XX/XXXX. Due to my check being on hold and direct deposit, they threatened to close my account. Not only this unfair and unreasonable bank held my money for weeks but now but later closed my account. In XX/XX/XXXX I got this letter from XXXX stating that they had charged {$20.00} overdraft fees into my account even when they were closing my account. At the time of closing my account and stealing my money, XXXX threatened that they will put negative remark on my history. When I tried to open a bank account at XXXX, account was opened and then XXXX closed it. When i called XXXX on XXXX XX/XX/XXXX, I was told that due to remarks by XXXX, they are going to close my account. Due to this early closure- I am missing {$300.00} cash back bonus. 
In their XXXX XX/XX/XXXX letter XXXX mentioned that : Please be advised that we may furnish negative information to a consumer reporting agency, including but not limited to, your account being closed I want strict most action action against XXXX. They stole my {$20.00} and then on top of it, made my report negative that i can not open any other new account. XXXX never gave me opportunity to fix the issue. XXXX took some unilateral decisions against me and now causing harm in future also. If I don't have bank account ( due to negative remarks from XXXX ) -I can not do any job. Will keybank pay for all my damages. I want immediate damage control by XXXX and pay for my damages ( {$20.00} overdraft and {$300.00} promotional offer of XXXX ). XXXX can not send me in circles and ask me to reach out to XXXX. 

XXXX messed up with my credit profile and provided the information to early warning system that there has been an identity fraud in my account on XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX  : XXXX. 

Both XXXX and XXXX warning sytem are playing games with me and sending me in full circles. I am falsely being accused of having " Checking account fraud '' and that remark had been put on my credit profile. As a result, I can not open the bank accounts. 
If I reach out to XXXXXXXX XXXX  then XXXX simply says go to the Early warning system. If I reach out to the Early warning system then the Early warning system says go to XXXX. This is ridiculous and I am sent in circles. 
I sent an email and both are being CCed here and they need to fix this mistake. 

If I don't have a bank account, I can not have direct deposit and that impacts my ability to get a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a 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 2024-08-03 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This letter is written regarding my request to once again dispute the credit card transaction, XXXX XXXX  ... XXXX CASE # XXXX Merchant : LXXXX XXXX XXXX XXXX  Order : XXXX Amount : {$440.00} Date of transaction : XXXX Reason : XXXX  XXXX Estimate date of delivery XXXX XXXX days The date of XXXX I sent the merchant a message through their website inquiring about the day the purchase will be delivered as there was no update on the status of the purchase. 

The items were delivered to my house XXXX, XXXX weeks after the promised date by the merchant. 

Not only this, but also when I opened the package, I noticed that the item as a whole was of a bad quality and a completely different item than the one promised in the merchants website. Moreover, the sizes were bigger than the ones showed by the merchant. 
On XXXX, I emailed the merchant in order to return the items and ask for a refund. As usual protocol, the website asked me for the reasons I wanted to return the items. However, once I explained to them the reasons for my dissatisfaction, they asked me once again what was wrong with the items, which I once again answered with the same reasons. 

Moreover, they asked me to take pictures of myself with the items and a measuring tape in order for them to validate my claims. I responded to them that their inquire made me feel extremely uncomfortable and unsafe, and to please just send me what I needed in order to return the items. They did not answer me back. 

After not receiving an answer back, I got in contact with the customer service provided at the Chase Bank and explained to them the problem that I was undergoing with the merchant. They informed me through a text message that I needed to get in contact with the bank once again. Following this information, I called Chase Bank again and they told me that they were already aware of the problem and that they were mailing me to my house paperwork I needed to complete and send back to the bank. I never received the paperwork, and once I called Chase Bank again for an update, they informed that the case was closed. 

I would be very grateful for any help that could be given in order to fix this problem that has been going on now you are accumulating the charges for late payments. 
I find no solution in sight. Best regards, XXXX XXXX XXXX Attached is the Letter I sent twice as well as Faxed to the Claims Department of Chase and I never recieved a confirmation that my documents were accepted or reviewed by the claims department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: CA

Complaint narrative:
I am writing to formally report a serious issue involving unauthorized hard inquiries on my credit reports with XXXX and Experian. These inquiries were made without my consent and constitute violations of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. 

The unauthorized inquiries are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These actions violate the following laws : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( c ) : This section specifies permissible purposes for consumer reports. The unauthorized inquiries were made without my explicit consent, violating this provision.

15 U.S.C. 1681m : This section outlines requirements for users of consumer reports, including providing notice of adverse actions and maintaining accurate records. The unauthorized inquiries reflect non-compliance with these requirements.

2. Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This act criminalizes the use of another persons identity with the intent to commit any unlawful activity. The unauthorized inquiries constitute fraudulent use of my identity.

As a victim of identity theft, I am deeply concerned about the potential damage to my credit score and financial standing. I demand that XXXX and Experian take immediate action to delete these unauthorized inquiries from my credit reports. Additionally, I request that both credit reporting agencies implement measures to prevent future unauthorized activity on my accounts. 

Please investigate this matter urgently and provide confirmation of the removal of these inquiries. I also seek guidance on further steps I should take to protect my identity and ensure the accuracy and security of my credit information. 

Thank you for your prompt attention to this critical issue.

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have recently checked my credit report and noticed that some inaccurate information was placed on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone opened an investment account with XXXX XXXX using a fraudulent Social Security number. XXXX confirmed the Social was not mine but would do nothing. I filed an in-office complaint with XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX La branch XXXX This theft comes from my checking account and not debit card. So I can not stop it. Im on XXXX and other XXXX Ins only and am being taken advantage of. XXXX XXXX sat with me and filed my complaint for me as I can not hear well and do not understand how to communicate with the XXXX XXXX out of XXXX. XXXX XXXX became irritated because the whole thing was ridiculous and she couldnt understand them either. In the end, I was refunded only XXXX  months worth or just over XXXX. Then I was told case closed. However ; XXXX did nothing to stop it. Im now out another XXXX in a month. No attempt to investigate the source and destination was made. So I sent E-mails asking again and again for info on who was stealing it. XXXX did nothing. Didnt even try to delete the fraudulent account. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This agency is violating your consumer rights by false misleading and misrepresenting. I have previously attempted to resolve these issues with them... please resolve and remove off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
On or around XX/XX/year> a summons with attached complaints which was filed within the County Court, XXXX XXXX, Mississippi by Jacob Law PLLC in reference to their principal XXXX XXXX XXXX. XXXX XXXX has a business model of purchasing portfolios of debt for a significant reduction of the face value of said debt. XXXX has operated in this type operations over the years with multiple other entities and most with some tether of ownership, or operational structure with XXXX. 

The Fair Debt Collection Practices Act ( " FDCPA ''. ) 15 U.S.C. 1692 et. seq., provides protections for consumers, and also requires strict adherence to the sections of the statute by companies whose business nature involves collections of debt. Both XXXX XXXX, XXXX, and Jacob Law Firm, PLLC meat that definition and as such are required to operate within the four corners of the statute. 

There was never a demand notice as required in section 809 of the FDCPA sent to my home address by either XXXX XXXX, nor its collection agent, Jacob Law, the first notice of their purported ownership, and collection activities therein was their lawsuit filed against me. 

These actions can be construed as violations of the FDCPA, and using the courts without following the directions of the statute seems to be a pattern in which both the purported principal and its agent have run afoul with the courts and this governing body in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Unauthorized inquiries have been detected on 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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 XXXX 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 2024-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit contacted play of employment via corporate phone number searching for the person who owed the debt, per FTC guidelines this attic is not allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
I had XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ok, I didn't have insurance at the time, so I was unable to pay the bill and it was sold to Works and Lentz. I was never notified about it till I tried going to XXXX XXXX XXXX XXXX and was told by Works and Lentz I couldn't be seen by XXXX XXXX till the debt was paid, so I set up payment plans of {$75.00} a month starting in XX/XX/XXXX and have been paying on it since, which I have paid over {$10000.00} and I feel it's been well paid off. I was just wondering if there is anything i can do about it, I didn't make XXXX 's payment because I was told there might be something I could do to resolve this debt. I filed XXXX  in XXXX and I think I claimed it.

Company response to consumer: Closed with explanation