vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Received a {$3000.00} American Express e-gift card in XX/XX/2023. I was able to use the card by making a purchase online at XXXX and an online purchase at XXXX XXXX-leaving a remaining balance available on the card in the amount of {$1600.00}. According to the instructions, the e-gift card is supposed to be accepted at US merchants that accept American Express cards, but that's not true at all. The e-gift card is not accepted at XXXX, XXXX, XXXX and the list goes on. I called the customer service number and was told the best way to use the card is via XXXX XXXX in stores that accept it. The card worked a couple of times with XXXX XXXX but is now being declined everywhere I try to use it with XXXX XXXX. XXXX Customer Service for these cards is useless and just gives a big run around. This is total fraud and misrepresentation by American Express. I feel like I'm a criminal at this point, just for trying to use the card to access my own money since it's being declined everywhere. Not a happy experience at all and disgusted with Amex!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
Checked my credit report to find out i have 3 collections from Augusta Collection agency i asked for the purchase agreement to the debts in question have not received it and i never used services that resulted in those Collections again i asked for the purchase agreements to the debts and was ignored which is not fair to me and violate my consumer protection rights i have not talked to anyone from the agency at all nor did i make a payment plan or arrangements on any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
my situation is identity theft i have attached the forms neccessary to describe. please see attached

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 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
I opened a basic deposit account with Umpqua Bank on XX/XX/2023, which I was approved for. Umpqua sent me an email stating " Your application is approved and your account is now open. Your confirmation number is : XXXX. You have chosen to charge your credit or debit card to deposit money into your new account. This transaction will post to your credit or debit card in the next few business days '' ( see attached image ). At the time of account opening, I funded the account with {$2000.00} using my credit card ending in XXXX ( also see attached image ). I also set up online and mobile banking so I could check my balance on my phone and on the go. On XX/XX/2023, I received my first monthly statement. I made no further transactions and my balance is {$2000.00} ( plus nominal interest ). All seemed well. 

However, starting in early XXXX, I could not log into the app. After several unsuccessful attempts throughout the first couple weeks in XXXX, I finally called Umpqua Bank on XX/XX/2023 as I received no communication from this shoddy establishment and was feeling uneasy. I spoke with several representatives, including supervisors and the XXXX on duty. They informed me that my account had a " restriction '' placed on it and I would need to visit a branch to proceed, while also ( wrongly ) telling me my balance was {$0.00}. After inquiring further, they found the {$2000.00} account opening funding but reiterated that I must come into a branch to verify the account funding source, which had an issue. At this point, after repeated back and forth, I asked my account please be closed immediately and a cashier 's check sent to my mailing address in WA. The XXXX XXXX refused and is effectively holding my {$2000.00} hostage with no feasible option for me to retrieve the funds.

I want to be very clear : I successfully opened and funded a savings/checking account with {$2000.00} back in XXXX. Now in XXXX, the XXXX XXXX is now holding my {$2000.00} hostage and refuses to release the funds or give it back to me via check for account closure. I am unable to close my account and get my money back, and the bank is unwilling to help me. 

This negligence can not be tolerated, and I have already disputed the credit charge with my financial institution and plan to also file a police report and press charges for the {$2000.00}.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
IRS Publication 2020 Instructions for Forms 1099-A and 1099-C clearly state charge-offs are to be reported as income when filing taxes. Income can not be reported on credit file therefore this item should be removed with prejudice. It is my belief that XXXX XXXX XXXX are well aware of the tax laws and and are committing this act of fraud against me intentionally. I request that this charge-off, which is in itself a fraud, be removed with prejudice from all 3 major credit bureaus and also ask that they be sanctioned for this deliberate act of fraud which has cost me dearly.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
IRS Publication 2020 Instructions for Forms 1099-A and 1099-C clearly state charge-offs are to be reported as income when filing taxes. Income can not be reported on credit file therefore this item should be removed with prejudice. It is my belief that XXXX XXXX XXXX are well aware of the tax laws and and are committing this act of fraud against me intentionally. I request that this charge-off, which is in itself a fraud, be removed with prejudice from all 3 major credit bureaus and also ask that they be sanctioned for this deliberate act of fraud which has cost me dearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: VA

Complaint narrative:
IRS Publication 2020 Instructions for Forms 1099-A and 1099-C clearly state charge-offs are to be reported as income when filing taxes. Income can not be reported on credit file therefore this item should be removed with prejudice. It is my belief that XXXX XXXX XXXX are well aware of the tax laws and and are committing this act of fraud against me intentionally. I request that this charge-off, which is in itself a fraud, be removed with prejudice from all 3 major credit bureaus and also ask that they be sanctioned for this deliberate act of fraud which has cost me dearly.

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 2023-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: MN

Complaint narrative:
hunter-warfield place called XXXX at XXXX, Hunter-Warfield ( XXXX ) called regarding XXXX XXXX XXXX debt ( rent, damage ), said debt was paid before moving into XXXX XXXX ( both owned by Minnesota HRA ) XXXX : Called, I had previously directed XXXX ( wife ) to ask for names ( person, business ) ... for once they gave the name... hunter-warfield ... it was a XXXXsounding woman on the phone. 

The whole thing is over {$440.00} or so... most of the time they hang up after we ask for name of either the person or the company. 

The debt was taken care of, otherwise HRA wouldn't have allowed us to move into another HRA building.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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

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 2023-09-23 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-23 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have power of Attorney of my Sister XXXX XXXX she is paralyzed the bank verified everything before i deposited the checks in my account she signed over to me They closed my account after the checks cleared and said they would send my money cashiers check now they will not send it and said they have to verify my sister by phone listed in her name she has a number and account with XXXX XXXX XXXX and still they say no. I have to pay her mortgage and bills and on the verge of being put out, they refuse to see her in person at the bank so she can tell them that she did sign the checks to me. Please this is life and death i need to pay her bills

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: IL

Complaint narrative:
i have unnoticed inquiries on my report that i didnt consent to. 
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

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 2023-09-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i have unnoticed inquiries on my report that i didnt consent to. 
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

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 2023-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents.

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 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2023, I made a purchase with merchant XXXX for {$2300.00} for a pair of sneakers. 
I received the item on XX/XX/2023, but it was not what I had ordered. I received a completely different brand of sneakers. A common scam in shoe marketplaces. After speaking with the merchant, I sent the shoes back via their company provided XXXX label on XX/XX/2023. 
Once the merchant verified that they received the item, the merchant offered me a choice between store credit OR a refund to my original payment method. I requested a refund to my original payment method, and shortly after, I received a confirmation email from the merchant that the refund was on the way. 
On XX/XX/2023, I was forced to open a claim with Captial One after not receiving my refund from the merchant, nor any further communication after multiple email attempts with the merchant. I provided the tracking number to Captial One and explained the situation. Captial One verified that the return was made. A very easy open and shut case. 
On XX/XX/2023, just three business days later, I received an email from Captial One stating that the claim was denied and closed, which was shocking. Captial One didnt even request any further information from me aside from our initial brief phone call. 
I called Captial One once again to attempt to understand what occurred. Captial One stated that the merchants Terms and Conditions state that there were no refunds, only store credit for returns. This is untrue. If Captial One researched this for themselves, the merchant has a Buyer Protection Policy which covers receiving an incorrect item AND within their Terms and Conditions, it states, If you would like a refund to your original payment method, please include the request when you contact support. I have the email conversation from the merchants support team where they stated that they would refund my original payment method. Once I received confirmation of the refund being processed from their agent, I received a confirmation email of the refund being processed to my original payment method shortly after. 
I will include evidence that before I even shipped the item back, the merchant guaranteed a refund to my original payment method. Captial One did not even request any further information from me. The case was closed within three business days, which shows a lack of consideration for their bank clients. Captial One is understaffed, which is obvious by the 20 minute wait times when calling in, and they were more concerned with closing my case than actually spending time to gather information from me to review it. I was scammed out of {$2300.00} and received no help from Captial One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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