vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-09 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXX XXXX XXXX Account number XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
I called cash app card about them closing my XXXX  child account through my cash card account for no good reason other then they didn't like that I put a complaint against a company that I paid money too and did not receive products clothing I kept contacting cash app but they say they would always help but didn't do anything to investigate they are out of country customer service they are not based in the United States so they don't care to help us recover money from fraudulent online scamers that you send money through cash app and don't receive products so I ended up helping get my refund back without the help of cash app they didn't like that so they closed my account because I put a complaint to your consumer complaint and recently they closed my account because of my XXXX  child account closing so I contacting them with no help in why my account was closed these big cash app account cards have too much rights to close our account for no reason I asked them to give me reason no response same information like before that I violated their app I asked them again what and show me on my activities that so called violations they are upset that I put a complaint on your website

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
Subject : Cease and Desist Communication and Unauthorized Use of Personal Information Dear Sir/Madam, I am writing to address a matter of utmost importance concerning the unauthorized use of my personal information by Allstate Credit Bureau . This letter serves as a formal notice to immediately cease all communication and any further use of my information, unless you are willing to engage in discussions to rectify the violations committed and provide appropriate compensation. 

It has come to my attention that Allstate Credit Bureau has been accessing and using my personal information without my consent or authorization. I hereby demand that you immediately cease all communication and refrain from any further use or dissemination of my personal information, as it is a clear violation of my privacy rights. 

Furthermore, I would like to bring to your attention that the business name " Allstate Credit Bureau '' is misleading and potentially in violation of the law. The only recognized credit bureau authorized to assemble and evaluate consumer credit and other information is the Consumer Protection Bureau. Referring to yourselves as a credit bureau implies a level of authority and credibility that you do not possess, which is deceptive and misleading. 

I insist that you immediately cease using the name " Allstate Credit Bureau '' and refrain from presenting yourselves as a credit bureau. This misrepresentation of your business name is not only misleading but also against the law. 

I hereby request that Allstate Credit Bureau take the following actions : Cease all communication and any further use of my personal information immediately. 
Provide written confirmation of compliance with this cease and desist request within 10 days of receipt of this letter. 
Engage in discussions regarding the violations committed and provide appropriate compensation for the unauthorized use of my personal information. 
Please note that failure to comply with this cease and desist request will result in further legal action to protect my rights and seek appropriate remedies. 

I anticipate your prompt attention to this matter. Any future communication from Allstate Credit Bureau should be in writing and strictly limited to the resolution of this issue. 

Thank you for your immediate action in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Debt was settled by the original creditor ( chase bank ) This debt in bankruptcy proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc.
State: FL

Complaint narrative:
Sterling background checks also known as Sterling Check XXXX Requested official US gov documents namely DD214 to be attached to their portal as a supporting document. Requested from candidates that possess a security clearance in screening process sensitive information and documents such as social security numbers, DD214, W2s, IRS tax returns. When doing so were told by Sterling Background Check employee that the Acting Director of the Department of Defense named XXXX XXXX requested this information. The employee nor the company could tell the candidate/consumer where or how their documents would be stored or how their personal data would be used. The employee also gave false information regarding the method of retrieval of such information. The company is using a foreign call center to process this data and US citizens sensitive data and transmission of gov documents that may or may not contain sensitive personal information protected by the US Gov. As part of such checks Sterling is also collecting personal health information that must be protected under HIPPA. I was also told that the XXXX XXXX XXXX XXXX  does not do business with Sterling Background checks for which they claim they were contracted to conduct business. Inaccurate reporting by Sterling Background checks may cause significant delay in employment start date and or a risk to employees loss of employment. I have retained correspondence with Sterling Checks and have CC Dept of Homeland Security, CISA, and the Department of Defense.

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 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I received an email 10 days ago that a debit account was opened with my name spelled as XXXX and with a bank from my hometown Frost bank. Email received on XXXX, XX/XX/XXXX, XXXX I have called the bank and the account was closed I do not know what other information was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Im unable to view my score with Equifax. In XXXX of this year I filed a complaint about this matter and Im still facing the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Subject : Cease and Desist Communication and Unauthorized Use of Personal Information Dear Sir/Madam, I am writing to address the unauthorized use of my personal information by Credit Collection Services and to formally demand the immediate cessation of all communication unless you are contacting me to discuss payment as a remedy for the violations committed.

It has come to my attention that Credit Collection Services has been contacting me regarding a debt that I have no knowledge of or any affiliation with. I hereby declare that your organization is an unauthorized third party in possession of my personal information, and as such, any communication from your company is considered a violation of my rights.

I demand that Credit Collection Services immediately cease all communication with me, unless you are contacting me specifically to discuss payment as a remedy for the violations committed. Any further communication from your organization that does not adhere to this requirement will be considered a willful violation of my rights under applicable laws.

Furthermore, I insist that Credit Collection Services promptly remove any and all records, references, or mentions of my personal information from your databases and refrain from sharing or disclosing my information to any third parties without my explicit written consent.

Please consider this letter as a formal notice to cease and desist all communication unless contacting me to discuss payment as a remedy for the violations committed. Failure to comply with this request will result in further legal action to protect my rights and seek appropriate remedies for the unauthorized use of my personal information.

I expect your immediate attention to this matter and a confirmation in writing that all communication with me has ceased, except as outlined above. Any future communication from Credit Collection Services should be strictly limited to resolving this issue and must be in writing. 

Thank you for your prompt cooperation in this matter. 

Yours sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CO

Complaint narrative:
Summary : US Bank charged me {$100.00} worth of checking account fees despite me being eligible for a free checking account with them. After talking to their agents they agreed that their fees were bogus but they were only able to refund {$59.00}. I spoke with a manager at a local US Bank Branch in XXXX, CO and she promised to refund the remaining {$44.00} promptly. This still has not occurred after almost two weeks of waiting. 




Timeline : I opened a checking account with US Bank on XX/XX/XXXX The bank charged me a {$14.00} fee every month and refunded the amount right away since I met their eligibility requirements for free checking. 

On XX/XX/XXXX the bank stopped refunding the {$14.00} fee with no notice. There was no change in my eligibility status and no reason for them to start charging me for banking with them. 

I noticed that I was being charged in XXXX of XXXX and I called the bank. They told me they will issue a refund for all of the fees and fix my account. Instead I received a letter a few weeks later saying they can't find the " transaction being despited '' and did NOT refund any money. I was charged {$14.00} again in XXXX with no refund, this brought the total number of incorrect charges to XXXX for a total of {$100.00} I called again in XXXX and the agent agreed that I should not have been charged the fees but she was only able to refund the last 3 months ( for some reason ). I told the agent that this is nonsense and after some back and forth she was able to get me a refund for 4 months and stated that the other 3 months will be refunded later. 

Nothing happened for two weeks and I called again and the agent claimed that she can not issue me a refund for the last 3 months ( {$44.00} ) and that I would have to go into a branch to do that. 

I went to a US Bank Branch in XXXX on XX/XX/XXXX. The manager there agreed that the fees were nonsense but that she couldn't do anything. I told her that this is unacceptable and after some back and forth she agreed to refund the remaining {$44.00}. 

It has been 11 days since that conversation occurred and no refund. I will be going back to the bank again 2 weeks from now when I am back in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uplift, Inc
State: MD

Complaint narrative:
Sometimes, last year I called UPLIFT INC to inquire about a balance. They lady I spoke with said to me the account is no longer with them. Its not reporting negative on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Hello, my name is XXXX XXXX and I am a victim of check fraud. I seen a post someone put on XXXX about a job for XXXX an hour data entry online am I was so excited to get off government help and start working I was oblivious to the signs. Fast forward she send me a check through email and says for me to print it out and mobile deposit it, send back XXXX and keep XXXX so I do but before I do I check with my bank to make sure the check is real. I call the on XX/XX/2023 at or around XXXX they assured me that if the check deposited and completed that Im okay and my bank wont be negative well he lied to me it take me about 7 days to fully go over a check and see if its fake or not when our economy has evolved and technology SHOULD be able to detect that as soon as I deposited it but it didnt now Im negative XXXX in my bank account. I got the messages and everything of the transactions I feel like Im being treated like a felon, like this was my fault and it wasnt because if XXXX XXXX wouldve told me to wait to see if its real educated there customers on fraud I promise I wouldnt be in this situation Monday comes and I call, show them the text messages and they put my account on hold until I can pay those funds. My thing is if I AND the bank was educated on how checks process and fraud works I promise I never wouldve sent that money to them, never mind that even deposited it in the first place. I start looking online about check fraud and find out if you print it out its fake and if I wouldve known that information I wouldnt be in this mess. Im distraught, I thought I was getting a job and I get scammed on top of that Im being treated as if its my fault because I deposited a second check but I deposited that check on sunday around XXXX XXXX before they overdrawn my account on Monday to XXXX and even though I was suspicious and took my money out in the back of my head I was like well the bank told me it was real and Im okay so Im going to deposit it when I looke it up and it says checks drawn on a Santander account XXXX is available the next business day and all other checks have to wait 6 days and my check wasnt a Santander check. If I misunderstood that Im sorry but if you can help me Ill really appreciate it Im going to everybody I can before I take it to the authorities.

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 2023-07-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX Equifax updated a listing ( XXXX  XXXX XXXX : XXXX ) with new information. However, according to the documentation I have attached from the creditor, the payment history is incorrect. They are reporting 2 consecutive months of 180 days late ( XXXX XXXX ), when that isn't possible if 30 days passed after the initial 180 days late was recorded. There is also no record of payment history for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX as well. The amount of late payments are also wrong ; Equifax is reporting 7 late payments on this account to my credit report, but that does not align correctly with the reported payment history. 

Also, in accordance with FCRA Section 623 ( 5 ) ( A ), it is an illegal act to " re-age '' any debt, which happens to be the case for every month after XX/XX/XXXX to today 's date, where Equifax proceeded to update each month with a " charge-off '' status ; practices deemed illegal per the previously referenced law. 

It has now been another 30 days since they received my letter detailing this issue, and I haven't even gotten a notification that they processed my dispute. Due to the negligence, a response/resolution within 15 days is now required per the FCRA. This means they didn't contact the creditor, and violated my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: MI

Complaint narrative:
I was approved to borrow {$100.00} on XX/XX/XXXX. I was told the money was deposited, but it was not. 
On XX/XX/2023, they helped themselves to {$100.00} from my bank account and are still refusing to pay it back. 
I have made several attempts to retrieve the money only to be told that a specialist will be emailing me or they boot me from the live messaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Paypal Mastercard i added my debit card to the account to make payments on the bill itself.

I made a purchase which was to be from the Paypal mastercard but they charged my XXXX XXXX debit card and also billed me for it on the statement. 

I disputed the transaction and they denied it. I have called now 4 times and mostly have only the option to select from automated recordings. Which didnt provide any way to solve the problem. I was able to speak with customer service people twice now and the first time I was convinced they were going to help. I never heard back from them. The 2nd person told me if i have disputed it and been denied theres nothing they can do. 

I have the service purchased ( twice ) on XX/XX/2023 XXXX personal but do not need billed twice XXXX XXXX 

My paypal account is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation