vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In XXXX of XXXX I sent a letter to Experian to investigate and update XXXX accounts that are reporting inaccurately. 

They responded in XX/XX/2023- stating that the XXXX accounts have been " updated ''. 

I received my credit report and they did nothing to correct or update the accounts. 

First off, these XXXX accounts Have NEVER been late, they are student loan accounts which have been in deferment so it's impossible that they were late. 

They are reporting on all three accounts a payment status of " XXXX was past due 180 days or more ''. Which this is completely an FCRA VIOLATION because a payment status is to reflect the CURRENT PAYMENT STATUS which is " PAID AS AGREED ''. 

Considering they sent me a response stating they were going to update all three accounts and it is completely wrong information being reported, THIS NEEDS TO BE UPDATED TO PAID AS AGREED IMMEDIATELY. 

If this is not changed, I will be forced to exercise my legal rights for their blatant disregard for XXXX XXXX. 

Ive attached the credit reports with the payment status highlighted for your reference, my initial letter requesting the update, and their response showing they said they updated them

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 2023-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 I had noticed XXXX fraudulent charges totaling in the amount of {$270.00}. XXXX of which were from target and the other XXXX. Far away from where I had just used my card less than XXXX to XXXX hours prior. I informed the person that my card had been fraudulently used and was asked if i might have idea who. I said I do not know and that it could have been a family member or someone else I do not know but that it was done completely without my knowledge. I was told it would be handeled and went about day. XXXX weeks later it had not been handed so i filed a CFPB report. About XXXX weeks later the funds retured and to my understanding that meant everything was handled, because I still had no communication from capitol one. I got about my week and use card maybe twice throughout it. I then get off of work on XX/XX/XXXX and try to purchase food and it is declined. The XXXX dollars was taken back out of account and i now was over my limit. I call in XXXX  to try to see what is happening and I'm told it was denied because no fraud was found because i had said it MIGHT be a family member OR someonei dont know when was asked if any idea who XXXX have used card! I then ask for XXXX and talk to him. We talk and i explain situation. He puts me on hold and then comes back and states HIMSELF that he sees something that XXXX considered and KNOWS FOR A FACT THAT I HAD NO KNOWLEDGE TO THIS AND THAT IT WAS FRAUDULENT. He tells me he has to get the reversal approved by system and will call back. He then calls back a hour later and tells me that it is denied simply because of me speculating it might have been a family member without my knowledge!! I inform him that I even stated that it might have been someone I do not know also qnd despite that he said that somehow now its not considered fraud, even though he stated before on his recored line that he KNOWS it was fraud. He then tells me im not only liable for the FULL CHARGES!! I ask to speak to anyone higher than him or if can communicate with corporate he then tells me he is the higheset. His headset then gets some static and im hung up on! This is ridiculous!! Its CLERALY FRAUD AND THE XXXX HIMSELF EVEN STATED IT AS SO!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: KY

Complaint narrative:
My Direct Express Card issued through Comerica Bank expired on XX/XX/XXXX, and I did not receive my replacement. It was sent to my address from 3 years ago. So, I called to let Direct Express know on the following dates and no one answered : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I spoke with a representative, and this is after more than 15 calls to this company. The representative updated my address and said they had sent a new card. The representative stated it would take 10 days. I asked if I could access my disabled son 's benefits another way, and they said no. 
Fast forward to yesterday, my card did not arrive. I figured, okay, we had XXXX XXXX XXXX, I'll check tomorrow. Today, XX/XX/XXXX, I still have not received the card in the mail. I called and was on hold for 45 minutes til I spoke with representative " XXXX ''. He said they had issued a card on XX/XX/XXXX, and I said I haven't received it. He said they can expedite another one for XXXX, I said that is not okay. I would like the tracking from the previous card. He said that tomorrow I could get tracking for the card. That he would text it to me. 

I asked if someone could help me access my account online as I had forgotten my password, and or username. He said because you do not remember the password or username, and your current card expired, you will not be able to log in online. I asked if someone in IT could help me access the online account despite this and he said no. I am very frustrated. These benefits assist me in caring for my son who is only XXXX and has XXXX XXXX XXXX XXXX This company is taking advantage of people. It shouldnt take this long to receive a new card. I should also be able to log into the account online. AND, there should be a way that I can go IN PERSON and withdraw this money. Lastly, it took me over XXXX hours to even get to someone after several calls just to get a replacement card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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 — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: NY

Complaint narrative:
I placed an order on XXXX thru afterpay ( company that uses single use card and lets you pay in four installments ) on XX/XX/XXXX for {$31.00}. Afterpay sent me an email that the order was for {$690.00}. They took out the first installment of {$170.00} immediately. They overdrafted my bank account and every time another bill comes out, i get another fee. They are telling me they cant refund me until the single use card expires NEXT MONTH. I even did their job for them and contacted XXXX. They sent me an email which i forwarded to afterpay that states the purchase was no where near what they charged and was canceled. They still refuse to issue me a refund. ive filed a complaint thru the attorney general in my state. I am unable to buy groceries or pay rent etc. because my account is overdrawn and im literally wracking up fees. This isnt fair!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance, is reporting our transactions and experiences to two of the major credit agencies XXXX XXXX XXXX report on XX/XX/2018. A report to my consumer report that was not authorized or sanctioned by the consumer ( I ) has now damaged my credit score extensively. This report is a direct violation in accordance with U.S. code Title 15 1681a section ( 2 ) Exclusions subsection ( ii ).

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 2023-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CAPITAL ONE XXXX : XXXXXXXX XXXX XXXX Hello, A hard inquiry has been on my account since XXXX of XXXX. It caused my credit score to drop. I have not received a card from Capital One. I contacted them as well they have nothing on record. I really need this removed as I'm looking into moving. Can you assist with this please? 

Thank You XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I've been a XXXX credit card holder for probably over 20 years. I don't know when it happened, but " XXXX by Goldman Sachs '' took over from XXXX. I get all my bills in the mail in paper form. I received a phone call from a representative who told me I had an outstanding balance this last XXXX. At that time I informed the representative that I never received a bill in the mail from them. I paid this outstanding balance immediately. The representative told me that after I make the payment my account balance would be {$0.00} and the late fee and interest charges would be reversed. In XX/XX/2022, I started receiving notices in the mail from XXXX that I still owe them money. On XX/XX/2022 I called their customer service number and the representative told me it was again fees for interest & a late fee. At that time, I explained what occurred in XXXX and she told me that XXXX had made all my statements electronic. I do not get any of my bills this way. Every month they just keep on tacking on more fees on my account when it was XXXX who made the error of delivering my statements electronically. After numerous phone calls, and a guarantee that someone higher up the chain will be calling me to straighten all of this out, all I keep getting is statements in the mail with a new HIGHER balance due. This is their fault for making my account statements delivered electronically. I NEVER requested this action. They are now wrecking my credit score by reporting this ever growing balance due under my SSN. Please assist me with getting this matter straightened out with this XXXX company. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I requested the closing when XXXX up on XX/XX/23. Their website has been down, purposefully in my opinion, as well as others having similar issues as reported online. With web down I can not do a transfer. I called and they said a wire would go out same day. As of today, after I CALLED THEM, I am told they reversed the wire. This is causing a financial hardship for me and I need this resolved at once. It's my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Requested my credit report from Equifax, since I can not access my report online at XXXX they advised they would be sending me my credit report the first few weeks of XX/XX/XXXX, advised that it would take 7-10 business days. I also sent out communications to delete all outdated or incorrect personal information on my report and sent it certified mail XX/XX/XXXX. The company have sent me out two credit file reports instead of my credit report. When speaking to Equifax today they acknowledged that they never sent my report out to me. I also requested for this information to be sent to me. They advised me that they would like to verify me, customer service representative asked me continuously if I would like to remove employers from my account after advising over 4 times on the phone. Also advised that my current address should not be reported as XX/XX/XXXX. The representative said they would get this information updated. I find that this needs to be investigated as I only reported this address to them on XX/XX/XXXX and have been residing here since XX/XX/XXXX. Asked for certified copy of credit report to be sent to me due to all the confusion and time I have been waiting. Representative advised that my update on my report would take at least 30 days, and they would send the report when it updates. Advised that my name should be listed as XXXX XXXX XXXX and not XXXX on my report. Representative not able to tell me why my reports were not generated the three times requested before as she was not the one who handled that call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im a victim of a data breach happened within XXXX XXXX ( hospital ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Goodman Frost, PLLC
State: MI

Complaint narrative:
XXXX, I called XXXX XXXX XXXX XXXX and XXXX XXXX in order to resolve a debt. XXXX XXXX commenced to intimidate me with a bench warrant, stating it would wake me up. 
XX/XX/XXXX I participated in a creditors exam, where it was clear to XXXX XXXX I had no income. 
XX/XX/XXXX my bank account was emptied. {$1800.00} dollar 's of the money taken was from unemployment benefits, which should be exempt from garnishment. XXXX XXXX was well aware I collected unemployment. 

Complaints- threatened with arrest - garnished unemployment benefits

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2023 a credit application was submitted at XXXXDick 's Sporting Goods without my consent or approval. SYNCB 's Fraud department was contacted the same day by me, and I filed a dispute for the inquiry showing on my credit file. I was told by SYNCB that I will receive a letter in the mail within 10 business days in regard to my claim. I then contacted XXXX to file a dispute for the inquiry showing on my credit file. Furthermore, I requested that XXXX freeze my credit and submit a fraud alert. The customer service representee in the fraud department instructed me to also file a report with XXXX. After attempting to file a report with FTC.gov I was redirected to the Consumer Finance Protection Bureau.

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 2023-01-18 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: LA

Complaint narrative:
remove fraudulent / unauthorized inquiry from XXXX on XX/XX/2023 off my credit report or provide proof in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX sent Convergent Outsourcing a letter for Validation of a alleged dent. They have been reporting this inaccurate information since the year of XXXX. I have sent them a XXXX  notice about the debt not being validated and I spoke to a representative from XXXX by the name of XXXX on XX/XX/XXXX who put in a dispute over the phone. Til this day the alleged debt remains and needs to be deleted from my consumer report 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 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: LA

Complaint narrative:
I called on XXXXXXXX at approximately XXXX XXXX XXXX XXXX  and spoke to some XXXX  lady so I call back and ask for management and the lady told me theres no one to transfer to and that they would tell me the same thing and hung up on me if you are someone collecting a debt you definitely want be hanging up on anyone. Just rude I want more info before paying this unprofessional company. With only XXXX person to speak to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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: FL

Complaint narrative:
{$170.00} XX/XX/2022 at XXXX ( country ) I was flying from XXXX ( XXXX ) to XXXX ( XXXX ) I purchased a ticket using XXXX XXXX that included 1 free baggage. 
While checking in XXXX representatives demanded that I'd pay for the baggage that I already paid for. I had only 1 piece of baggage. They held me hostage. Either you pay or you will not fly. Being in foreign country and felt a XXXX and being blackmailed I had no choice to pay. When I came back I opened a dispute with Chase Bank ( Credit Card services ). I was told that because I signed and paid, they can not do anything. When I asked if they did any investigation as I have a proof of paying for the baggage, they told me that if I signed ( even being blackmailed and felt XXXX ), I must pay. I asked what if they had a XXXX to my head. Chase CC services told me that I still would need to pay. 

I believe Chase CC Service must conduct investigation to confirm that I already paid for the baggage and credit me back. That's OUTRAGEOUS what they told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services 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. 
XXXX Account First Credit Services, 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 2023-01-18 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: LA

Complaint narrative:
On or around XX/XX/XXXX, a potential lender checking my credit discovered a delinquent credit card debt with XXXX Bank listed on my credit report. On XX/XX/XXXX, I reviewed my Experian credit report in detail and found the credit card debt in the amount of {$3900.00} opened on XX/XX/XXXX in my name and was closed as a charge off after a couple of payments were made and then stopped. The status was updated in XXXX, XXXX. I'm not sure if this represents the date it was closed as a bad debt, charge off. I do not now nor have I ever had a credit card account with the US Bank. Therefore, I filed a dispute with Experian. I was directed to a phone number to speak with a representative which was someone at Experian. She asked if I had spoken with the creditor. I told her not as of yet as I thought the number I was calling was the creditor. I was told to file a report with the FTC and provide them with a copy. She asked if I wanted her to place a lock on my credit file and I told her yes. She said this would stop anyone from opening credit in my name unless they verified that with me first. This was to last only for 1 year. She asked that I upload a copy of the FTC report to their website if one is filed. 

I attempted to contact a bank representative on XX/XX/XXXX by calling XXXX to determine how this account was opened in my name and to get it cleared from my credit report since it is not mine, but after being transferred a couple of times by XXXX XXXX and XXXX XXXX, the third person I spoke with XXXX XXXX told me she could not do anything that day and told me to call back on Monday XX/XX/XXXX which I did but the bank was closed for the XXXX XXXX. I attempted another call this morning, XX/XX/XXXX to XXXX and was told by an unnamed employee that I needed to speak with a XXXX XXXX as she was the agent handling the case and her telephone number is XXXX. Unfortunately, she is out of the office until XX/XX/XXXX so I left a message on her voice mail for a return call. I have not had success thus far in speaking with anyone and since they do have my SSN I don't have any confidence that they will agree with me that I am not the person who incurred the debt with them. I'm simply tired of the run around. Therefore, I proceeded to file my complaint with the FTC and I was rerouted to your website as the agency that handles this type of complaint. Can you assist me with getting this cleared up and removed from my credit report please. 

Note : An initial fraud alert has been placed on my XXXX Credit Report until XX/XX/XXXX. They forwarded the alert to the other 2 credit bureaus, Experian and XXXX.

Company response to consumer: Closed with non-monetary relief