vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
My debit card info was stolen. When I first filed the claim with Cashapp the first time, I wasn't aware that my smart watch had been stolen and my digital wallet was compromised. I have had issues on other cards because of this as well and when I was filing the claim with that company they asked if my phone, tablet or smart watch had been stolen and I realized that maybe thats how I was compromised. I took my XXXX XXXX off to shower at the gym a few days before the charges started. I forgot to put it back on when I got out and didnt realize it until I got home. I called the gym to ask if it was turned in but they didnt get it and each time I went in afterwards I asked if it was found with no luck. On this account I have a total of 4 fraudulent charges. Cashapp initially denied my claims almost instantly so I re-filed the claims but they still instantly denied them with no explanation and still havent given me the paperwork used to deny me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. 


Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: NY

Complaint narrative:
We have a credit freeze on our accounts for added security. We needed to unfreeze the account when changing cellphone carriers. Without our request or approval Experian signed us up for so called " memberships '' for " credit alerts '' and notifications. We now get many emails about " new '' credit changes, for example when the balance changes on a credit card. It appears to be impossible to cancel or unsubscribe from this Experian " membership. '' You also get promotional offers. 
If you unsubscribe from the part of Experian they allow you to unsubscribe from you get this message : " You're now unsubscribed, If you change your mind, tap here to customize your preferences so you only receive emails about the stuff youre interested in '' Followed by : " Just a note that youll still get notifications any time your credit or identity info changes, since automatic updates are a part of your membership benefits. '' I need help to get Experian to cancel this " membership '' that I never signed up for. They should not be allowed to force you to receive emails from them without a way to unsubscribe. We do not receive this type of marketing or emails from XXXX or 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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Early Warning Services is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, for unlawfully obtaining my consumer file without my authorization or permissible purpose under the FCRA. SEE 15 U.S. Code 1681 ( b ). Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purposes unless - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified inaccordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S. Code 1681b ( f ). Chester v. Purvis 260F. Supp. 2d 711 ( SD Ind. 2003 ). 15 US Code 1681b Permissible Permissions of consumer reports states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 1 ) in response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal Grand jury, or subpoena issued in according to section 5318 of title 31 or section 3486 of title 18, ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I have not initiated any transaction with Early Warning Services Further, I do not have an account as defined under 15 U.S.C 1693a ( 2 ) with Early Warning Services for review or collection, not have I given any express permission to report any accounts I deem to be impacting me negatively/damaging my consumer reputation. Furthermore, under the FCRA. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C 1681q. I and demanding the following accounts be removed effective immediately from my early warning reports. 

Any and all accounts associated with XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to be removed from my repairers as I have not consented to any reporting on these accounts nor has early warning conducted any proper investigation or administrative process to confirm these reports are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My wallet was stolen and two credit cards were illegally used on XXXX XXXX XXXX 
One of the credit cards was the Paypal Cashback Master Card of {$700.00} at the XXXX XXXX XXXX XXXX XXXX ). I contacted PayPal to report my card was stolen and was used by the thief as soon as I got a purchase notification on my phone. I also told the representative that I filed the police report for theft and illegal/deceptive use of my credit cards. 

After issuing a new account number, I noticed that {$700.00} from XXXX on XX/XX/, was posted to my account. I called back Paypal on XX/XX/2XXXX asking why I saw {$700.00} posted on my account, when I would get a confirmation letter for this stolen credit card/fraud activity report, and if you need any police report number associated with this incident. 

However, the representative said, No, it's NOT needed. Then, all I heard was that I would receive a letter for this report in the mail, a temporary credit for {$700.00} would be credited back to my account soon, and it would be investigated by Paypalwhich can take up to days. 

As of today, XX/XX/, I have NOT received a letter of this incident being investigated. 
I DO NOT see a temporary credit of {$700.00} in my account. 

I also want to know how you will investigate this WITHOUT any police report number or other evidence/information I offered/am willing to provide. Since my entire wallet was stolen, all other banks and credit card companies requested the police report number and the police officer 's name, including the contact number from me, EXCPET PayPal. 

I WANT TO KNOW how you will investigate this {$700.00} charge at XXXX and how you will tell this card was used by a thief on that day without any information. 

PLEASE send me a confirmation email or letter regarding this illegal activity report and how it will be investigated. 

PLEASE issue a {$700.00} credit back to my credit card. 

Here I have attached three documents, Two police reports from the XXXX Police Department One pdf file of emails from XXXX Store Manager

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the account as irrelevant and once I get their notification, everything seems unchanged. Some I don't recognize on my credit report I reported it as theft of identity, but the record stays 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 non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was making my car payment by phone because I was late and I send the payment and noticed insufficient funds, unauthorized checks had been cashed against my account draining my funds. I reported suspicious activity to Chase bank and was told they could not help me. I was never notified that fraud was being committed in my account and I.m hoping someone can help with the situation. 

There were checks from XXXX deposited into my account without my knowledge in the amounts of ( XXXX, XXXX, XXXX, XXXX ) for a total of XXXX and then the funds were fraudulently withdrawn. Chase has not worked with me at all on this, I now have a negative balance of XXXX. I have a child that Im supporting and need help. Im recently new to this country and I am helping family in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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 Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible when the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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. 


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My car became undriveable, the check engine light suddenly came on and the car began shaking. There is a misfire in one of the cylinders more than likely due to the oil consumption issue these cars have. I have tried multiple times to address this issue and have made several claims to my original dealer that my car is consuming oil at an excessive rate. My servicing department at my current dealer is experiencing staffing shortages making it impossible to get an oil change or any service without it being 4 plus months out. I called immediately once my car began shaking I was told the earliest appointment would not be until XXXX. I tried bringing it to another local dealer but the extended warranty that I bought through the original can not be used anywhere else. So not only am I not able to get my car serviced for basic maintenance, I also can not get my car fixed by anyone else but the same dealership who NEVER has availability.. Please tell me how this is okay. I have a job and a child, I need a working car. Why did I pay for an extended warranty that totals XXXX and my car can not be serviced. So now Im paying for a car that essentially going to sit in my driveway for months! With no possibility of being looked at as someone else has mentioned that their car has been sitting for 3 months with 20 cars ahead of them. UNACCEPTABLE! Within the 1st year of getting this car oil consumption issue and the service department can care less. On top of that Im stuck with a car with negative equity and can not get out of this loan .I NEED SOMEONE TO RESPOND AND FIX THIS ISSUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: CT

Complaint narrative:
I reviewed a copy of my credit report and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX and XX/XX/XXXX. 

I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX and investigate such occurrences. 

I also have contacted the credit bureaus and this account still has not been deleted.

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 2023-10-28 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: CITIBANK, N.A.
State: CT

Complaint narrative:
credit card from XXXX XXXX doesnt belong to me on my credit report they wont remove it saying its mine dispute 3 times already

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 2023-10-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible when the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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. 


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

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible when the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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. 


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

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MI

Complaint narrative:
I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. 

Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: FL

Complaint narrative:
XXXX is reporting the account as a charge off. yet XXXX / XXXX has not provided me a 1099 C nor provided one to the Internal Revenue Service. Therefore, they are incorrectly and inequitably damaging me and withholding my credit and securities from me.

Company response to consumer: Closed with explanation