vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 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: NJ

Complaint narrative:
I have attempted to remove the following inquires on several occasions with no success. 
XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is complaints against Wells Fargo. 
the bank put me into property tax escrow account and set monthly amount of {$1600.00}. 
I have paid off the total amount of XXXX with monthly mortgage payment since XXXX, XXXX. I have be be out of the escrow account, but still hold me in the account. 

I was not default property tax at the time they notified but behind the late fee of {$240.00}. for which I appealed for wave the fee because of Covid 19 hardship. 

Checking my records for property tax, I have found the bank paid the tax on my account of {$2400.00} on which I have already paid. The payment was double payment for my account so the tax office returned the refund to me which I was not sure what it was and I kept it. I have paid any tax bill in advance for the second installment last XXXX. 
The bank this time again paid tax on my account, which is double payment and I notified I had a refund check to where I can send back, no answer yet but they refuse for my regular mortgage payment for XXXX. 
this is my complaint and remove me out of escrow account.

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 2023-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I received my Tax Refund on XXXX/XXXX/2022 it was deposited into my Cash App account at XXXX, I re paid Cash App {$14.00} and {$21.00} those are the only transaction I authorized on my cash App account, around XXXXXXXX XXXX Cash app allowed someone to withdraw {$4000.00} from my Cash App account, I began to call them to find out what happened, I open a dispute claim, not long after I open the dispute they said I sent the money, I have never heard of the person, my account was also locked when the money was removed. I have filed a dispute at least 4 times with Cash App because they keep saying it was me. I have attached documents that will show different times that I sent the money. Please help me get my money back. I am a single mother of one child with no help. Cash App know they missed up but don't want to admit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
JEFFERSON CAPITAL SYSYST XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied and was approved for a XXXX XXXX XXXX card with the promotion being XXXX points received once XXXX dollars was spent in the first 3 months, which I completed in a little over a month. I surpassed the XXXX dollars required and called to ask why my points have not been awarded. After talking to customer service, I had the call elevated to a supervisor where he repeated what the CS agent had told me that since I had already received bonus points with another AMEX card ( XXXX ) recently, I was declined the bonus points for this card. I was never told about this via call or email because if i had, I may have not kept the card. I have been an AMEX card holder for 23 years and I find this practice extremely shady and disappointing that i had no issues with my other AMEX accounts. I believe i should receive the full XXXX bonus points that the promotion stated, and why I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: NJ

Complaint narrative:
I have disputed this collection many times since it was placed on my report. 
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 2023-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
I have never taken out a payday loan, nor co-signed one. I got a letter from XXXX, XXXX XXXX XXXX, about a supposed debt from CashNet, dated XX/XX/2023. It says my balance is {$2300.00}, but I can pay it off for {$580.00}. 

A simple XXXX search indicates this is a common scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights. 
According to 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 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Account Name XXXX, XXXX. 
Account Number XXXX Account Name XXXX XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX, XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name OFFICE OF THE ATTY GENER Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number 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 2023-02-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights.

According to 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 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Account XXXX XXXX, XXXX. 
Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Name XXXX XXXX XXXX  XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX, XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name OFFICE OF THE ATTY GENER Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
XXXX XXXX/XXXX/22 XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/22 These are not my inquiries I didnt not apply for anything in 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
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 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
After living in XXXX for XXXX years, in XXXX of XXXX I moved to XXXX, XXXX. In setting up my house and services, I searched for a cable/internet provider in the area. After much research, there were only two providers for my neighborhood. XXXX XXXX XXXX and XXXX XXXX... I, against my better judgement from previous experiences, chose XXXX XXXX XXXX with their dish service. I engaged XXXX XXXX XXXX and they came out and installed the equipment. Within 3 days I knew this was a mistake and contacted XXXX XXXX XXXX and immediately canceled their service. 

In turn, I went to XXXX and sent back all of their equipment and was told that any service fees would be credited back. As you can imagine, what I was told and what happened are two different things. XXXX XXXX XXXX has now discharged my debt to a collector and is now being reported on my credit report erroneously. 

I simply want this removed from my credit report and the balance to be cleared as it was originally promised. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-23 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: 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 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 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 2023-02-23 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: 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 XXXX Accounts : XXXX - XXXX  XXXX XXXX - XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-22 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: PA

Complaint narrative:
Different dates on last reported, different balances, different status as far as legally paid on some, different charge off/ settled The accounts are XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX Ive included screenshots from my credit report showing the various inaccuracies and the particular accounts

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 2023-02-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Different dates on last reported, different balances, different status as far as legally paid on some, different charge off/ settled The accounts are XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX Ive included screenshots from my credit report showing the various inaccuracies and the particular accounts

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 2023-02-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was charged {$480.00} and {$75.00} on XX/XX/12 from XXXX. I disputed this amount with the bank. The bank issued a credit due to the dispute and XXXX sent refund check for each amount. The checks were cashed. XXXX billed me for both of the amounts. I contacted the bank 's chargeback department numerous times. I also went into the bank. I was advised to pay the charges. I did pay the invoices from XXXX. The bank has now rebilled my account for these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
NAVY FCU XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center
State: KS

Complaint narrative:
I have never taken out a payday loan, nor co-signed one. I got a letter from XXXX, Mediation Recovery Center, about a supposed debt from XXXX, dated XX/XX/2023. It says my balance is {$2300.00}, but I can pay it off for {$580.00}. 

A simple XXXX search indicates this is a common scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I used the ATM at Wells Fargo XXXX XXXX XXXX XXXX XXXX CA on XX/XX/23 at XXXX and was dispensed {$1000.00} in $ XXXX that were too old to be used on a foreign trip I'm going on. The ATM card was from another bank without a branch in XXXX XXXX. I went into the bank and asked the teller if they could exchange them for bills in better shape. The teller said they would do that if I were a customer, but I declined to open an account. I pointed out that I had just paid a {$3.00} ATM fee and received bills I couldn't use. The teller said that she could get fired if she gave service to someone who was not a regular bank customer and that the ATM is not something the bank is responsible for. The ATM is managed by someone else so it wasn't the bank 's fault that there were old bills being dispensed.

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