vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
As of XX/XX/2022, I submitted letters to the credit bureaus in regards to some inaccuracies and unknown information being reported on my credit reports and as of today, XX/XX/2022 I have not received any correspondence from the credit bureaus about these accounts that are affecting my credit reports and scores. It is my understanding according to Section 611 ( a ), it is plainly stated that failure to do an investigation within 30 days this gives a reason to have the accounts immediately removed from my credit reports. 

I am demanding that these accounts be deleted immediately or I will file litigation due to the stress this has caused me. It also appears that my information has been impacted by the XXXX XXXX XXXX and may have gotten into the wrong person 's access.

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 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: OH

Complaint narrative:
Credit Karma pre-approval and denied. Hard inquiries ruining my life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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 — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
The CFPB has the bad habit of closing a case immediately when it receives a response for the company complained about. Case in point : on XX/XX/2022 I filed complaint # XXXX because of a fraudulent billing. On XX/XX/2022, you received a Company 's response, clearly identified as an Intern Response which indicated their compliance people were looking into my complaint but needed 60 days to do so. You sent me a copy and immediately closed the case. To prevent future issues, I immediately went to the credit card company and BLOCKED the account. The bill due date was XX/XX/2022. Now I am receiving late payment notices and the balance has increased from {$56.00} to {$120.00}. How did a BLOCKED ACCOUNT go from {$56.00} to {$120.00}, if no activity was allowed on the account. I have no indication of what the additional {$66.00} is supposed to from. I did not use the card! I must close this account immediately, please help me do so. Do not close this complaint until you receive a Final response for the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a reported balance of XXXX $ on MACYS/CITIBANK, N.A. Credit card. My account was in good standing until XX/XX/XXXX Experienced some financial issues for a couple of months after that, the company paused my payment. As I was getting ready to restart payment in XX/XX/XXXX found out the company closed my account and I couldnt access the account even to pay the remainder of the balance. I tried to contact them few time but it was always an automated response, I got fed up. Few months in the account was reported as a bad debt on my credit report. I put a dispute with no resolution. This is so frustrating.

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 2022-09-06 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
taking action against XXXX  they sold my account to a third party which is Caine & Weiner which under the FTC law that third party debt collectors can not collect on a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX. 2022 I was out doing deliveries and it came time to fuel my car with gas. I went inside to use my card and it was instantly denied. Now earlier that morning, I checked my account and deposited funds from my delivery gig and was able to see My balance. I tried to swipe multiple times ( chime credit builder card ) as I knew the funds were on my account ( still denied ) I got back in my car and checked my email to receive a notification of my account being on hold around XXXX. I CONTACTED Chime support through phone and was told to submit documents through review, they couldn't give me any information something about ppp loan, etc. I submitted the documents through chime email review and asked for an update about every 3 or 4 days. Nothing. Finally they responded with account closure, no explanation. Now not only am I not okay with them not refunding my funds but they closed my checkings, savings, and not to mention my Credit builder card. I have reached out multiple times and no one seems to care, nor can any one help assist me with this matter. I am working on my credit and by no fault of my own I will now have a closed account appear on my credit reports,, No way is this acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a bank of America checking account and {$200.00} was illegally charged on my debit account from a company ( XXXX ) I have never heard of or used any XXXX services before. The said company is XXXX  ( internet provider? ) I already have an internet provider and have never been in touch with XXXX or tried to get an account with them. I'm currently working with Bank of America to get my money back, but wanted to bring this deceitful company to the attention of the Consumer Financial Protection Bureau... I suspect I'm not the only person being taken advantage of by XXXX XXXX questionable and illegal business practices. 

I tried with no luck to resolve this dispute directly with XXXX via tel, but their phone number is automated and no one can help me without an " account number ''. Please find the " merchant 's info below '' as shared with me by Bank of America. 

Merchant name XXXX  XXXX  info XXXX XXXX XXXX XXXX XXXX NM, XXXX XXXX XXXX XXXX XXXX tel : ( 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 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I Was supposed to receive a settlement of XXXX $ from a settlement reached due to a violation of Illinois XXXX lawsXXXX XXXX XXXX  XXXX XXXX XXXX They claimed to have sent out the money on XXXX XXXX but as of today, I have not received anything in my paypal account. Whoever I contact through email has the same cookie cutter answer that it has been sent, however I have no record of this transaction from my XXXX statement from paypal. In the attached email the final accounting from PayPal is stating that I was able to cash the deposit even though clearly nothing has come in.The attached summary is for the month of XXXX and cleary has no deposit of any type for anything at all. The email I attached as a screenshot says that it was paid in full however it can Clearly be seen it hasn't been.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
I have filed disputes beginning first week of XXXX with all three major credit bureaus as well as contacted the lender Credit Acceptance Corporation to no avail. All disputes were closed and the lender verified the incorrect data again after paying them over XXXX  dollars in one month to double up and pay my loan off early. I have reopened disputes again as well as shown documentation to the Credit agencies as well as opened complaints with this agency now on file as well. The loan company 's response is to put me on hold or hang up on me once denying my claim and asking for a supervisor. Never ever again will I do business with Credit Acceptance Corporation and this is a very hard loan that is designed for failure from the start your paying three times the amount of the vehicle after a 6 year term. I just got out from being triple upside down on the loan and they refuse to acknowledge my greatness at beating them at there game.

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 2022-09-06 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

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 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent someone {$220.00}, or so I thought. Venmo put a 21 day hold on the money, no warning, no reason. Venmo now says they can not do anything about the hold, I can not get money released, person I sent it to can't get the money out of jail. Venmo gives different information when you call. Venmo is using customer money for 21 days but not paying interest when they release it. I have had conversations with XXXX different people at Venmo, including a supervisor, and it seems the only phrase they know is " I'm sorry '', not even once a " We will get this fixed ''. 
I sent the money to buy a hard to find part. By the time I get this solved the part will probably no longer be available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
There was an account opened up around XX/XX/2021 that is on my credit report that isn't mine. I've provided documents to the bank and the credit reporting agencies and they're still reporting the account valid. I even went as far as going to the bank and providing my documents and still no luck. They showed me the account and the only thing that was correct was my name and birthday. The address, email, phone number, and social was incorrect. Its clear that this is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-09-06 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:
In accordance with the Fair Credit Reporting act 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

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 2022-09-06 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: Block, Inc.
State: MD

Complaint narrative:
I received a fraudulent 1099 form for tax year 2021 from a company at my home address, with my social security number. The company is Block , Inc., f/k/a Square, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX I called the company, it was stated they sent the 1099 because I owned a business. I have never owned a business. I am XXXX yrs. old and XXXX I let the customer service person know and told them I was filing a complaint with the Federal Trade Commission immediately. The form stated : in box 1a on form 1099 Gross amount of payment card/third party network transactions {$1000.00} and listed the number of payments as XXXX. The filer 's TIN XXXX : XXXX, the 1099 indicates payment amounts of $ XXXX - $ XXXX - $ XXXX - $ XXXX & $ XXXX. The account number applied by this bogus company Block , Inc. f/k/a Square IncXXXX to my name is : XXXX. Over 25 yrs ago I had my identity stolen, it was a horrible experience. I don't ever want to go through that again. Please investigate this company and stop them from sending out fraudulent materials to seniors. I'm very upset they have my complete address and social security number, this is frightening

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2022. My checking account was hacked of the amount of {$400.00}. I received an email and text messaging letting me know that I had a XXXX transaction to some guy I have never heard of. I contacted the bank and they put in a claim. They closed the claim and said I did the transaction. I disputed the claim again and this time I reported them to the XXXX and to the Ethics committee of their bank. Their XXXX XXXX XXXX XXXX XXXX XXXX has found that my Citibank account was frauded and hacked. He sent over his investigation stating that my bank account was hacked and my money should be returned. Citibank refuses to return my money.

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 2022-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
and added a 30 day late to my credit profile in XXXX... .that supports that fact that I did not know of terms of any loan and I did not know of the first due date. I want this account updated to paid in full and the 30 day late to be removed. I paid this loan in full as soon as I learned that this was a loan and what the terms was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX and XX/XX/2022 and 60 days late in XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In accordance with the fair credit reporting acat XXXX Account # XXXX, has violated my rights. 

15USC 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 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I HAVE SENT CAPITL ONE SEVERAL STTEMENTS PROVING MY ADDRESS, IDENTITY AND PAY STUBS THEY STILL WONT UNRESTRICT THE ACCTS INTERFERING WITH MY ABILITY TO BUILD MY CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: IL

Complaint narrative:
I called and sent out letters letting both companies XXXX XXXX XXXX and XXXX XXXX letting them know this account was fraud and not my 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 non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
my XXXX was filed XX/XX/2015. It's past 7 years now. this derogatory acct needs to be removed immediately. this has been removed off XXXX. I also have XXXX fraudulent inquiries that I have been disputing since XXXX have NEVER had this many issues with any other credit reporting company. I would like this to be escalated.

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