vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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: MI

Complaint narrative:
I have several inquiries on all XXXX credit reporting agencies that are not mine and I did not authorize. 
The companies can not give me any information and XXXX, Equifax and XXXX refuse to take them off!!! 
I have an XXXX average credit score, I take my credit health seriously. I can not believe these companies are allowed to do this!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
In Accordance with the fair credit reporting act XXXX account XXXX XXXX  has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had an unauthorized withdrawal from my EDD Bank of America account on XX/XX/2023. I filed a fraud claim right away and they denied my claim. I uploaded a police report and an explanation and documentation of where I was that weekend of XXXX XXXX on XX/XX/XXXX, and they still denied my claim. It was {$800.00} dollars, and the person who stole my card information was able to check the balance two different times at a 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 monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$98.00} XX/XX/XXXX XXXX XXXXXXXX {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My tenant put her rent payment in my PayPal because she ran out of checks. PayPal flagged my account and said it was a potential fraudulent transaction. They put a limitation on my account, in the same day I gave them the information they wanted and the limitation was removed. However, PayPal, without my knowledge, still reversed the bank deposit and almost caused me to bounce my mortgage payment as a result of taking back the {$4000.00} deposit. For days, no one at PayPal even knew they did that, finally they admitted they did, could not explain why, and said it was take AT LEAST 10 days to get my money back. Who can wait around for 10 days for their rightful {$4000.00}. I think PayPal does this all the time on large transactions to use those 10 days to make money by investment, interest, etc. on that money. If they do that to even 1 % of their customers they likely make millions and millions of dollars participating in this shady and deceptive activity that is thinly guised as a fraud protection to the consumer. This is very problematic, and very dangerous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion is reporting an account XXXX XXXX XXXX account # XXXX, This account was previously deleted in XXXX.Ive contacted TransUnion and they seem like they dont care I ask them to validate the account and XXXX with TransUnion said they dont verify or validate 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 2023-06-13 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: CA

Complaint narrative:
I realized I was defrauded when I did not receive the items I ordered on line for {$59.00}. I tried varies avenues to locate the company but every email I tried was reporting scam, I could not obtain a phone number to contact. I immediately reported to my bank, Chase. They gave me a temporary credit for the {$59.00} until further investigation. On XX/XX/2023 I received a call from XXXX XXXX, Supervisor from Chase Claim Department that they were going to debit my account of {$59.00} because she spoke with the merchant and they said the package was delivered to my home and they provided to her my name and address for proof, so on XX/XX/2023 we are debiting your account of the amount of {$59.00}. XXXX XXXX gave me the USPS Tracking number and said I could verify it myself. I immediately accessed the internet at USPS. com and put in the tracking number and found the information XXXX XXXX said was there was not. The tracking information from the postal service stated a package 8oz was delivered to a Mailbox. There is no address, no name just stating a First Class Package. A first Class package in weight is no more then 3.5 ounces. I ordered ( 2 ) two suitcases. I have been to the Chase Branch in XXXX XXXX XXXX XXXX, XXXX Ca XXXX and spoke with Branch Manager, Ms.Jannett. I submitted a formal statement complaint with a clerk there at the bank along with documents as proof I submitted to her the tracking information, I submitted to her the Police Report Number,. I pointed out to her the information on the tracking that there is no evidence that I received the 2 suitcases I ordered and I am a victim of a scam. But they are treating me like I am the scammer. Organizations like the Bank should have varies classes in educating staff and Management the avenues in these scams without putting more unnecessary stress on there customers who entrust them with our money. The scam is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$98.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$4900.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$520.00} XX/XX/XXXX XXXX XXXX  XXXX {$200.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
I have been making numerous principal curtailment payments. The last such payment of {$100000.00} made on XX/XX/30 was not applied and is not showing anywhere in my account. I have submitted proof of payment from my bank, but the lender/servicer has not as much as acknowledged my request to investigate from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I have reported FRAUD numerous times to the companies that are reporting negative results to the credit bureaus. They are refusing to remove ALL these negative collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC
State: NY

Complaint narrative:
I have reported FRAUD numerous times to the companies that are reporting negative results to the credit bureaus. They are refusing to remove ALL these negative collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: OH

Complaint narrative:
In accordance with the Fair credit Act. The list of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account Without my written instructions.

15.U.S.C 1681. C ( .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 or crimes which antedates the report by more than 7 years.

15. U.S.C 1681 S- ( 2A ) ( 1 ) A person shall not furnish any information relating 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 non-monetary relief
Consumer complaint received 2023-06-13 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express REFUSES TO COMPLY WITH A SIGNED COURT ORDER BY A CHANCERY COURT JUDGE. 

I was the victim of Identity theft. As such there were credit cards, loans, accounts etc in my name that I was neither aware of nor authorized. When I notified AMEX originally they said " they could not verify I am me ''. 

So I FILED A COURT CASE AND WON. THE JUDGE SPECIFICALLY PUT INTO THE COURT ORDER THAT American Express IS TO REMOVE AND WIPE THE FRAUDLENT ACCONTS FROM THIER RECORDS and permit me to Re apply with valid, correct information. THIS IS NOT MY REQUEST, ITS THE JUDGES ORDER. 

I completed amex fraud declaration IN ADDTION TO THE JUDGES ORDER. STILL NO COMPLIANCE I sent the original along with the judges courtroom contact to AMEX LEGAL TEAM. ** NO REPLY I sent the original court order to the AMEX customer service- who replied stating that " THEY WILL NOT GIVE THE COURT ORDER TO THEIR LEGAL TEAM '' THAT THEY ARE " NOT COMPLYING WITH THE COURT ORDER '' Further Amex claimed in a XXXX line sentence letter that " they unilaterally determined that I received benefit from the account ''. 

This is both untrue AND NOT AN ISSUE AT HAND. AMEX DOES NOT UNDERSTAND THIS IS NOT A REQUEST. THE judge has already reviewed the evidence and made her DECISIVE AND DISTINCT DECISION. 

THIS IS ONLY A LEGAL ISSUE AND AMEX MUST REMOVE MY FRADULENT INFORMATION AND PERMIT ME TO REAPPLY WITH MY XXXX XXXX XXXX now. 

I have sent amex further letters and THEY HAVE NOT REPLIED. I have all copies, delivery confirmations and court orders available, SO DOES AMEX. 

Please FORCE THEM TO COMPLY WITH THIS COURT ORDER by deleting anything in their system with my social security or name and letting me know when this is complete so I can apply with correct, fresh information. 


I NEED THIS NIGHTMERE OF MY IDENITY TO BE RESOLVED AND AMEX IS LEGALLY REQUIRED TO COMPLY WITH A COURT ORDER. Thy have NOT presented any contrary evidence and they simply must be forced to comply or TAKE AWAY THIER BANKING LICENSE PLEASE. 

I DID NOT BENEFIT FROM ANY CARD, THE JUDGE ALREADY AGREED WITH THIS ( see order ). 

Amex is under the mistaken view that this is a fraud investigation. ITS NOT, THIS IS ONLY TO MAKE THEM COMPLY WITH THE COURT ORDER, THE JUDGE ALREADY COMPLETED THE INVESTIGATION. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLIANT CREDIT UNION
State: SC

Complaint narrative:
Alliant federal credit union in XXXX XXXX is reporting an account on my credit consumer report ( XXXX ) XXXXXXXX XXXX and XXXX account # XXXX this account was previously deleted from my consumer reports.This is not my account!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( 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

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/23 Please review attached. 
Capital One " cooked the books '' on my XXXX credit card account ledgers # XXXX and # XXXX aka FRAUD. Wire fraud and false line entries. 
Capital One also overcharged me interest and charging me interest on their FRAUD is illegal. Wire fraud and false line entries See attached laws. 
ARS 44-1522 AZ Consumer Fraud law attached as well. 
Capital One owes me interest credit on # XXXX {$19.00} plus more until they credit my # XXXX credit card. 
Capital One owes me interest credit on # XXXX {$86.00} plus more until they credit my # XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I never gave any of these companies permission to run or pull a credit report on me. It is also illegal to only report when an account goes into delinquent status but not when there are good payments etc also, they should provide the original contract with my wet signature if they think they are right. 
Please remove the following from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I never gave any of these companies permission to run or pull a credit report on me. It is also illegal to only report when an account goes into delinquent status but not when there are good payments etc also, they should provide the original contract with my wet signature if they think they are right. 
Please remove the following from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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. 

The letters are stated with items and issues. 

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 non-monetary relief