vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XX/XX/XXXX, my car was stolen. All my personal information was in my card including my driver 's license, my unlocked cell phone, W2s, and medical information. In XX/XX/XXXX someone opened an account in my name with XXXX XXXX Bank. I reached out to Transunion and disputed the account and mailed in my ssn card, birth certificate, copy of the police report, and other requested documents to confirm my name and identity. I've filed several disputes with Transunion regarding this. I've also tried to resolve this directly with the company. However, since my name is incorrect on the account, I was not able to get information from the creditor. I have submitted yet another dispute by phone and by webpage concerning this. This account does not belong to me. This account does not have the correct name on file. Transunion only updated my name on my credit report but did nothing else concerning the fraudulent account opening. I mailed many documents, but when I check on them and provide tracking information, they claim to not have received my documentation.

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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
All XXXX major credit reporting agencies allowed companies to report late payments to my credit files. However, XXXX passed the Heroes Act Section 110401. This LAW states that NO COMPANIES ARE ALLOWED TO REPORT LATE PAYMENTS TO OUR CREDIT REPORTS, during the pandemic, which started XX/XX/2020 and is still ongoing.

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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
All XXXX major credit reporting agencies allowed companies to report late payments to my credit files. However, XXXX passed the Heroes Act Section 110401. This LAW states that NO COMPANIES ARE ALLOWED TO REPORT LATE PAYMENTS TO OUR CREDIT REPORTS, during the pandemic, which started XX/XX/2020 and is still ongoing.

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 2023-01-14 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: IN

Complaint narrative:
I ordered a software from XXXX online. The website specifically states 2 hours for you to receive your key to use the software. The credit card processed and the charge is pending is what my card Capital One told me after i waited 2 hours. My card company gave me XXXX as the company 's phone number. I called and get a voice instruction to go to XXXX with regard to any credit card charges. 
There is nothing available at that site so I call Capital One to cancel/dispute the charge. 
If i can not prevent myself from being taken advantage of by misleading offers and shady business practices it is incumbent for the government to be a check on credit providers and companies who try to create these issues. 

Cordially, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have ( 1 ) 30 day late with Bank of America. The month that is was late. I called and Requested something to be done to help me out. I got transferred to a supervisor and the supervisor ensured me that it was okay, The will honor a 1 time forgiveness and it will be removed from my credit. Since that day have I haved to get this removed and I still can not for the life of me. They say ALL calls are recorded, Yet they won't pull up that phone call and honor what they promised. Please hold them accountable for this call and for not removing this from my credit as it has prevented me multiple times from getting things approved credit wise.

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 2023-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
My son started an account on CASHAPP in XXXX, while he was XXXX. He was able to transfer and receive money without adult sponsorship. In XX/XX/XXXX, his phone broke and he was given a new telephone number. My mother-in-law and daughter sent him money using the old telephone number. 

I contacted CASHAPP to find out how to access the funds using the new telephone number. At that time I learned about the sponsorship for minor accounts. He never had a sponsor but we can prove the account is his and that I am his parent. I was told be several CASHAPP reps that there is no way to access his account because it was not verified when set up. If that's the case, he should not have been able to receive and send funds. 

ISSUES - A minor was able to set up and use and account without sponsorship. 
CASHAPP will not verify the account with the minor or their parent. 
CASHAPP will not refund the money sent to the account ... both my mother-in-law and daughter requested refunds. 
CASHAPP will not verify account with parent. Offered to submit birth certificate as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Quick Bridge Funding, LLC
State: MA

Complaint narrative:
This fraudulent company has been mailing unwanted credit cards and Pre-qualified loan offers to my deceased father, among many other people. The company is a scam and a fraud. There are dozens of complaints against them all over the Internet and XXXX. They need to be investigated and put out of the public 's misery.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-01-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX Account Numbers have violated my rights The item XXXX XXXX ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

The item XXXX XXXX  ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

The item XXXXXXXX XXXX ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

The item XXXXXXXX XXXX XXXXXXXX ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 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 an account without my written instructions Experian has not responded to my investigation request with in the past 30 days.

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 2023-01-14 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}. {$220.00}. 
I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies to which you provided it. 
Enclosed is copy of my Identity Theft Report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your finding and action Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$16000.00} -This is not my account. 
-- OTHER ACCOUNTS -- XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$220.00} -This is not my account. 
I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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 2023-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Was checking my XXXX  report on my XXXX XXXX saw there was a credit report ran on XX/XX/2022 description as Cap1/saks I didnt run my credit in a very long time just want this off my report/ this wasnt me that ran this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX, I tried to purchase some souvenir in XXXX from XXXX XXXX ( the vendor ). After swiping my card and taking my signature, the vendor demanded copy of my passport and my social security number before he would hand over the souvenir to me. This appeared a scam and I refused to share this information. I walked out and the vendor did not give me any product. When I saw the charges on my credit card, I disputed it with Citibank, clearly telling Citibank that I did not get any product from this vendor. In their response to my dispute, the vendor admitted that they did not give me any products. 

This was an attempt to extort money from me in a foreign country and despite of knowing all the facts : - Vendor asked for illegal information ( copy of passport and social security ) - I did not receive any products from vendor Citibank is asking me to pay for this charge. Citibank 's fraud department told me that Citibank customer service should simply waive this charge as I never received any goods or services. 

The card used for this transaction has expired since then and Citibank has issued me a new card with a different number that I have provided as part of this complaint.

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 2023-01-14 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: VA

Complaint narrative:
In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. After reviewing my report on XX/XX/2023, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : XXXX. Last verified- inaccurate XXXX. Date of Last Activity- inaccurate XXXX opened- inaccurate XXXX. Account XXXX inaccurate XXXX creditor remarks Two-year payment history shows XXXX, Equifax XXXX and XXXX shows no history. How is this possible if the account is charged off? This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This XXXX account on my credit report has XXXX violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: VA

Complaint narrative:
In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. After reviewing my report on XX/XX/2023, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of Last Activity- inaccurate 3.Date opened- inaccurate 4. Account Balance inaccurate 5. creditor remarks Two-year payment history shows XXXX, XXXX XXXX and Experian shows no history. How is this possible if the account is charged off? This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This XXXX account on my credit report has XXXX violations.

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 2023-01-14 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: TX

Complaint narrative:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error.

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 2023-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
My loan got transferred to Fay Servicing in XX/XX/2022 for XXXX properties. They have not paid taxes for my properties which are being collected from my monthly payments into the escrow. I reached out to them in XXXX, XXXX and again in XXXX. 

They keep telling me they are investigation meanwhile the city keeps sending me notices with interest and penalties for not paying taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I requested Experian to freeze my credit file. This seems to require an account with Experian. I created the account, and I only use the account to freeze and unfreeze my credit file. Since creating that account, I have received emails from which I can not unsubscribe. I have attached two images as examples. 

The bottom of the emails read : > Why am I receiving this email? 
XXXX This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian CreditWorks Basic emails in the past, dont worryyou no longer receive newsletters or special offers. 
> You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but youll continue to receive notifications like this one on the status of your account. 

These are clearly marketing emails. When I sign in via the link in these emails, the very first screen offers me to upgrade my Experian CreditWorks account from Basic to Premium, which costs {$24.00} after 7 days. I have attached an images as an example.

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 2023-01-14 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX  ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX  ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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