vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I opened a new account XX/XX/XXXX. I opened it online. I did XXXXwo mobile check  deposits, totaling just over {$3100.00}. A few days later, i was emailed a security notice saying there was unusual activity on my account. I called Capitol One and was told the checks were made out incorrectly and that I had to have them cancelled and reissued. I thought this was a hassle, so I asked what else I could do. They said I could end the banking relationship and deposit the checks at another institution, as Capitol One had not submitted them for deposit. I said yes, I will do that. So, the account was closed. I asked my aunt, who issued the checks to me, to check to see if they had in fact, not been cashed. She called her bank and low and behold, Capitol One cashed the checks! In fact, the funds cleared prior to my call to Capital One. Its now nearly a month later and Capitol One will not return my calls, will not talk to me when I call them, and will only tell me that this account is under investigation and they have no idea IF or WHEN they will give me my money. I also know that Capitol One called my aunts  bank on XX/XX/XXXX and that the branch did verify the validity of the checks. I have called them many times. They will not return my call, and they have hung up on me when I have called. I feel robbed. I have worked in Finance for 28 years. I have never heard of something like this happening. Its shocking and deplorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Attempted to call all credit bureaus to delete fraudulent info from credit reports. I was advise to report here to submit proof as a supporting document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I made a federal income tax payment of {$7000.00} and {$170.00} through the tax payment preparer software website XXXX which was for federal income tax and the payment processing fee associated with paying it with a credit card. I made this payment transaction through my Amex Business Gold Credit card with the understanding that I would earn Amex Membership Rewards points back on the payment and the payment would count as an eligible transaction towards the sign up bonus of XXXX Membership Rewards points for {$10000.00} of purchases within the first 3 months of opening the card. Income tax payments to the IRS are not excluded from the offer and through earning points through the Membership Rewards program according to my terms and conditions of the credit card upon signing up. I also receive regular marketing emails from Amex stating the following " Earn Rewards on Your Tax Expense - You can earn rewards on your tax-related expenses by putting IRS payments on your Card using secure payment processors ''. 

On XX/XX/XXXX I submitted a formal complaint to Amex through their customer service representatives over the phone regarding the decision to not deem my IRS income tax payments as eligible for Membership Rewards or towards the sign up bonus. 

I received a decision for this initial case on XX/XX/XXXX. The decision from this case was the following according to the customer service representative " We've thorougly reviewed your concern and please know that eligible purchases do not include fees or interest charges, purchases of traveler 's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, which includes federal income tax payment, or purchases of other cash equivalents. '' and " ... our backend team determine that the charge for {$7000.00} is ineligible purchase towards your welcome bonus .... ''. 

The company is refusing to uphold the terms of their card sign up bonus nor what they are marketing in their email marketing communications to card holder members. The reasoning for denying the charges from being eligible for Membership Rewards is contradictory with the companies own language on their website and marketing emails as well as what is in the sign up terms for the bonus they offer to new card members. I was effectively tricked into paying my federal IRS income taxes through a credit card, paying a fee for doing so due to the payment processor requiring a fee by credit card and then being told that these transaction despite not having any language towards not allowing them from being eligible ( in fact the opposite if you are to believe the marketing emails I receive weekly regarding this point ), are actually not eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX Two gift card purchases were made from XXXX fir a XXXX  gift card needed in order to pre pay for XXXX  account they told me I need to prepay because XXXX  has teamed with them for this promotion. The XXXX  scammers had there lines customer service exactly like XXXX, I would literally call and get XXXX  customer service that was set up so well. I applied for dispute and was denied. Im so upset that I was manipulated and my bank did nothing to help me. I have kids and single working mom. I really cant afford to loose this amount. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
I have been a victim of fraud, Due to XXXX XXXX XXXX  making a false claim that a money order of {$220.00} for the rent deposit on an apartment came back insufficient funds. I sent off for the copy of the money order, and the copy showed where the money ordered was stamped and cashed on XX/XX/XXXX of XXXX. My credit report has been affected, due to the balance owed being falsely added to my credit report, even though XXXX XXXX was the primary lease holder for the apartment, and the judge ordered for him to be responsible for the payment of {$1400.00}. I have paid XXXX XXXX XXXX to remove the balance from my credit report, but the balance is still showing on my XXXX report. I disputed the XXXX account and sent in copies of proof and am waiting for a response. I will be contacting an attorney to represent me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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 done or 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-01 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have new and updated information regarding this negative account that is reporting to my credit profile. Im submitting this complaint by myself and there is no unauthorized third party involved.

Please open disputes and have this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have had a PayPal account for over 20 years. As of XX/XX/23 I have nearly {$1300.00} in combined my PayPal and PayPal savings account. I had just transferred {$1000.00} to the PayPal savings account on XX/XX/23 and a month later PayPal decided to " limit '' my account and block me from accessing to my own money. 

I was on the phone with four representatives for almost 2 hours to get an explanation. Not only did they not explain why this is happening they refuse to transfer my funds back to my bank. They made an arbitrary internal decision with no warning and no discussion with me before freezing my accounts. This is modern date theft where a XXXX XXXX XXXX company steals from ordinary citizens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}.

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 non-monetary relief
Consumer complaint received 2023-07-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
on XX/XX/23 I made a transaction with my personal XXXX XXXX card using my Square business account online terminal. 

The transaction was for {$400.00}. I noticed immediately that Square had flagged my transaction for " review '' after a few hours I decided to contact Squares customer service to inquire about what the issue might be. I was told it's because I was using a pre-paid card. 

I would assume consumers should be able to use any acceptable payment method, including gift cards or pre-paid cards. 

Square is holding my {$400.00} completed transaction for 90 days. 

Within a few miutes after calling customer support, Square also deactivated my account with no real explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I used a XXXX XXXX ATM at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, serviced by XXXX ) using my US Bank debit card, to withdraw {$900.00} on XX/XX/. The ATM malfunctioned, I did not receive my cash, and then I received a receipt showing money was withdrawn from my account, money that I never received. I went to US Bank first thing the next morning to lodge a complaint. Now almost a week later and heading into the holiday I have not received my money back, nor any word from US Bank regarding the status of my 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 monetary relief
Consumer complaint received 2023-07-01 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: NC

Complaint narrative:
No action has been done I have sent in letters for months trying get this resolved. Its always coming back verified. I have never got a letter just a statement which isnt the right paperwork of debt of validation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: NC

Complaint narrative:
No action has been done I have sent in letters for months trying get this resolved. Its always coming back verified. I have never got a letter just a statement which isnt the right paperwork of debt of validation

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 2023-07-01 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: TX

Complaint narrative:
My credit card was fraudulently used in XXXX of 2022. I alerted Citi bank as soon as I realized the two transactions had occurred. They assured me I would receive a refund for the two transactions. I received a temporary credit but it was withdrawn and my dispute was denied. Supporting documentation was sent from the merchant and I have called several time trying to resolved the matter but I am repeated denied a refund on funds that was stolen from me. I am willing to produce witnesses and affidavits to attest to my whereabouts. Also, the merchant, XXXX XXXX XXXX, confirmed that one of the two purchases can only be made with the park itself, not online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01 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: MI

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done 2nd attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove these items from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX / XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX : XXXX. XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 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: WI

Complaint narrative:
In accordance in the Fair Clean Report Act. The List of accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXXXXXX XXXX XXXX XXXX : XXXX XXXX2 has violated my rights. 

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2023-07-01 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have made several attempts to have inaccurate unapproved credit inquiries removed from my credit profile. It appears someone or the system by default has been pulling my credit profile periodically. I have had a freeze on my credit profile in place due to fraudulent activities. Requests were made to Capital One to investigate and update my profile as it continues to negatively impact me. 

XXXX All 3 credit bureau pulls XXXX All 3 credit bureau pulls XXXX XXXX and XXXX None of these credit pills were done by me or authorized by me.

Company response to consumer: Closed with non-monetary relief