vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Self Financial Inc.
State: NY

Complaint narrative:
The SELF building credit account a blue card becauee you fix your credit yourself A SET AMOUNT EACH MONTH IS SCHEDULE TO BE PAID, and that I did. i only had XXXX account and never opened a 2nd accou t SELF account. the following dates and amounts given on my credit score are said to be owed. HOWEVER, i asked when i closed my account do I owe anything and they said no and i have plenty of time to spend the mpney i deposited onto the SELF card each month. either XXXX or XXXX dollars each month accumilates and in the end you get 12 months times the {$30.00} each paid for 2 years. The sum of the 2 years goes into your SELF accouny and you can spend it when you want to. Even though i didnt do 2 years i was ok with ending the accouny early because i was moving and no longer recieveing public assiatance XXXX each month from govt. i had no income. and my casework for XXXX XXXX said it was ok i did this because it rebuilt my XXXX XXXX and all the money i deposited into the accouny I got back and could spend XXXX XXXX SELF CREDIT CARD. for my friends and I when we as friends did good things by XXXX  a goal we set like apartment seeking, or making it to an appoitment and checking things off your list things completex. i bought a pizza pie up XXXX XXXX XXXX  XXXX XXXX  XXXX AMAZING and we got things done.. thata just XXXX thing i did with the card I closed the account because i spent everything i saved on it. WHY DO I SEE THE FOLLOWING XXXX DATES WITH MONEY OWED. ITS IMPOSSIBLE I ALREADY SOLVED THIS WITH THEM 2 YEARS AGO. i know i basically paid for my XXXX XXXX go up XXXX points but i did what i needed. 
the following dates and money owed ARE IMPOSSIBLE BECAUSE I COULDNT CLOSE ACCOUNT IF THERE WAS OUTSTANDING BAALANCE DUE ; XXXX. XXXX {$46.00} XXXX XX/XX/year> {$61.00} XXXX XX/XX/year> {$31.00} DATE TO BE KNOWN XX/XX/XXXX ACCOUNT WAS OPEN. AND ITS ON XXXX XXXX AS SUCESSFUL. THE OTHER XXXX REPORTS SAY Money.delquient owed. 

can you help me please figure this out aND PLEASE ALLOW ME THIS OPPORTUNITY TO EXPLAIN a REACTION AND MY COMMENYLTS TO BE PLACED DIRTECTLY ON MY CREDIT REPORT FOR THE 3 DAYS FOR MONEY OWED, IMPOSSIBLE BECAUSE THEN YOU CANT CLOSR account anx i Did 2 years ago. 


from XXXX XXXX email XXXX tele XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-07-14 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I disputed a transaction from XXXX XXXX XXXX XXXXXXXX FL that was made on XX/XX/year> in the amount of {$290.00}. Citi closed the dispute stating that the merchant already gave me a credit for this transaction. I contacted Citi seven times, explaining each time that the credit issued was for a different transaction that was made on XX/XX/year>, and that credit was issued on XX/XX/year>. The disputed charge was made on XX/XX/year>, twenty days AFTER the credit was issued for the prior charge. I have called Citi twice, chatted on their website twice, and sent three emails. That is a total of SEVEN times I have contacted Citi about their mistake, and the charge is still on my account. I even sent Citi the return confirmation for the XX/XX/XXXX charge, proving I am entitled to my refund, and they still have not re-opened this dispute. This is a common occurrence with Citi, and it should not be tolerated.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2024-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have been trying to no avail to close my Kohl 's credit card. I'm facing long wait times whenever I attempt to call someone, and store associates direct me to the number on the back of the card. I no longer wish to have. Kohl 's credit card and want the account closed immediately. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am victim of Identity Theft and inaccurate and incomplete information being reported by TRANSUNION. After reviewing my credit report, I noticed fraudulent inaccurate information reported by XXXX XXXX XXXX Acct XXXX for collections. XXXX XXXX XXXX reported this same XXXX account XX/XX/year>, and it was deleted from TRANSUNION credit report. XXXX XXXX XXXX XXXX also reported this same XXXX account XXXX and it was deleted from my TRANSUNION credit report. XXXX XXXX XXXX is in violation of 12 CFR part 1006.18 ( 1 ) ( i ) ( ii ) ( c ) ( 4 ) ( d ) False, deceptive or misleading representation in connection with collection of any debt. XXXX XXXX XXXX Acct XXXX is Identity Theft and Fraud and is a Crime in which XXXX XXXX XXXX IS WRONGFULLY obtained and is using my Identity that involves fraud and false, deceptive misleading representation in connection to collection of debt.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax knows that there are fraudulent balances on my account and I have XXXX police reports documenting felony misconduct by this merchant - and Equifax effectively said they are still higher than the police and will not listen to police in removing fraudulent information from my credit report per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
recently received a copy of my credit and noticed I have fraudulent accounts on my report and hurting my ability to obtain credit

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent the credit agencies a document to support there investigation results FORWHICH I HAVNT GOT A RESPONSE ITS BEEN LONGER THAN 30 DAYS I WAS concern about the validity of there investigation on all the accounts on my credit report that they said came back verified I requested for them to explain to me how there investigation was conducted and provide me complete copy of all information that was transmitted as part of there investigation and what did it cost them to obtain the documents and who did they speak to directly that was reporting the accuracy of accounts please provide any certified documents and ask them to provide any documents of communication and who they spoken with, the dates and times also I requested a notarized affidavit confirmation provided is true and correct as per my civil rights under federal laws

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 2024-07-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Recovery Solutions Group, LLC
State: FL

Complaint narrative:
Breach of Contract : XXXX XXXX XXXX Due to the lack of proper care and overall lack of industry standard cleanliness of the XXXX facility and stalls, XXXX XXXX  Manager was given written notice via Email on XX/XX/XXXX informing her that BFF horses would be removed from the facility immediately due Breach of Boarding Agreement and the overall wellbeing of the horses, and items listed below. The horses were removed XXXX XXXX XXXX. Items of Breach of Agreement are documented in writing and photo, and not limited to include ; 1. Stalls were NOT PROPERLY CLEANED DAILY OR CLEANED AT ALL, as advertised they would be in the Boarding Agreement ( excluding Sunday ). Some days, late in the afternoon, the stalls were still dirty from the previous day. Forcing the horses to stand in dirty stalls for well over 30+ hours.

2. Horses WERE NOT FED PROPERLY as agreed upon with Trainer. ( less than poor quality and amounts of hay ) 3. Horses were held outside in a pen WITHOUT WATER for hours during the day.

4. Facility was Not KEPT IN A SAFE AND CLEAN MANNER as per industry standard.

You were notified of these deficiencies well in advance, however no acknowledgement or action was taken until the DAY OUR HORSES WERE REMOVED FROM THE FACILTY. A BLAST EMAIL WAS SENT TO ALL CUSTOMERS OF THE IMPOVEMENTS TO BE DONE AS PER OUR EXACT COMPLAINT LIST. Sent to all customers of XXXX ; However this was in fact too little too late. We removed our horses for their safety and wellbeing prior to this email the same day. 

This attempt to cover up the neglect was effectively way too late and acknowledges your willingness and in agreement that you were in FACT IN BREACH OF YOUR OWN CONTRACT. 

XXXX XXXX XXXX has no choice but to demand a complete refund of our payments for XXXX from XXXX, XXXX to XX/XX/XXXX. Totaling {$4000.00}. Invoice attached. 

We also are in contact with the Federal Trade Commission due to your illicit actions of hiring a Debt Collection Agency to Harass the teenage girl who was training the horses while at your facility, for payment of a few days of boarding, not owed. 

The Collection agency was notified that the invoice you sent them is disputed and not legitimate, they were told to contact our Attorney and they have not, however they are now sending a settlement offer directly from you to compromise the illegitimate invoice you fraudulently provided them with originally. This is nothing less than extortion. The Collection Agency is being reported to the CFPB as well as the XXXX. 

You are hereby notified to Cease and Deist this illicit harassment of our Trainer. 

Attached find invoice for Boarding paid to XXXX to be refunded to XXXX XXXX XXXX immediately. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

I have never been late on payments for the accounts ( XXXX ) : ( XXXX ) and ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.

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 2024-07-14 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts ( XXXX ) : ( XXXX ) and ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.

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 2024-07-14 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: FL

Complaint narrative:
I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is Breach of privacy. No consent is identity theft. INQUIRIES : XXXX 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 XXXXXX/XX/year> Please see attachments for proof of identity, and identity theft report with police case reference.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent the credit agencies a document to support there investigation results FORWHICH I HAVNT GOT A RESPONSE ITS BEEN LONGER THAN 30 DAYS I WAS concern about the validity of there investigation on all the accounts on my credit report that they said came back verified I requested for them to explain to me how there investigation was conducted and provide me complete copy of all information that was transmitted as part of there investigation and what did it cost them to obtain the documents and who did they speak to directly that was reporting the accuracy of accounts please provide any certified documents and ask them to provide any documents of communication and who they spoken with, the dates and times also I requested a notarized affidavit confirmation provided is true and correct as per my civil rights under federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent the credit agencies a document to support there investigation results FORWHICH I HAVNT GOT A RESPONSE ITS BEEN LONGER THAN 30 DAYS I WAS concern about the validity of there investigation on all the accounts on my credit report that they said came back verified I requested for them to explain to me how there investigation was conducted and provide me complete copy of all information that was transmitted as part of there investigation and what did it cost them to obtain the documents and who did they speak to directly that was reporting the accuracy of accounts please provide any certified documents and ask them to provide any documents of communication and who they spoken with, the dates and times also I requested a notarized affidavit confirmation provided is true and correct as per my civil rights under federal laws

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: NV

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, CashApp received requests for 16 transactions to a " chat.versailles '' -- a merchant unknown to me at the time. ( I have since discovered through internet search this is a well known fraudulent merchant. ) These transactions were authorized by CashApp despite the suspect nature of 15 transactions in the precise same amount, from the same unknown merchant being charged in just 30 minutes -- following an initial probing charge. This pattern follows classic account draining patterns and does not represent my usual spending habits.

I alerted CashApp to these fraudulent transactions shortly after they were authorized and prior to their settlement. I begged CashApp not to enable the theft of my funds, but CashApp refused to heed my timely warning or to escalate my case to their anti-fraud department. 

CashApp refused further communication until those transactions settled and my funds were successfully stolen by criminals. Upon successful theft, CashApp informed me that they'd only return the funds if I agreed to close the card... but that they would not send a replacement to me while I traveled abroad. 

I do not believe that CashApp ( actually, XXXX XXXX  ) meets their legal obligations as a fiduciary when, despite my pleading to stop an obvious attack they allow my funds to be stolen and then refuse to assist me with my victimization unless I agree to be stranded while traveling. 

I believe that CashApp is purposefully enabling thefts such as this to harvest fees on the fraudulent transactions.

Company response to consumer: Closed with explanation