vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc.
State: ID

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by an unknown fraudster which involved me making deposits for a total amount of XXXX XXXX from my account to Paxful at the instructions of the scammers and owners of the wallet XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I sent a letter via XXXX mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This was a request to open a dispute for a transaction with PayPal-Thursday made XXXX XX/XX/2023 in the amount of {$250.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: RI

Complaint narrative:
I have a money builder plus loan with the company money lion I keep getting payment failures email which will affect my credit score I have repeatedly emailed and called to express my major concern I have sent multiple times documents that they requested I have told them my address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX and has been for 5 years and they keep telling me they can except my documents because they don't have that on file and wants documents from that old address on file from the last 60 days well I haven't lived there for 5 years so don't have any and they still refuse me access to this account and will affect my credit and they do not care

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This was a request to open a dispute for a transaction with XXXX  made on XX/XX/2023 in the amount of {$150.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
My credit score was great in late XXXX. Then prior to taking a trip, I checked my credit report and there is a false charge from XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2023. I am in great health and worked tirelessly the entire month of XXXX. This charge is not mine. I never received notices of this charge, as it was fraud and just appeared on my account under the Collections Agency of Lockhart Morris & Montgomery. I filed a police report for the identity theft and fraud. This is not mine and must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an auto loan account that was initially opened with XXXX XXXX XXXX XXXX, which later transitioned into XXXX XXXX XXXX. The account first went delinquent in early XXXX. However, the payment history provided by Equifax does not show any records prior to XX/XX/XXXX. This is problematic because it means that the information is both incomplete and potentially inaccurate. As of XX/XX/XXXX, the account continues to appear on my Equifax credit report, which contradicts the Fair Credit Reporting Act 's ( FCRA ) rule stipulating a 7-year limit for reporting delinquencies. 
Early XXXX : Auto loan account first became delinquent. 
XX/XX/XXXX : Payment history on Equifax begins from this date ; no prior delinquency information is available. 
XX/XX/XXXX : The account remains on my credit report, violating the FCRA 's 7-year reporting limit. 
Initiated a dispute with Equifax regarding the incomplete and outdated information related to this auto loan account. 
Equifax has not made any corrections or removals in response to the dispute, thereby failing to align with FCRA guidelines. 

I request the CFPB to look into this matter and enforce compliance with the Fair Credit Reporting Act by Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
An account was originally opened with XXXX XXXXXXXX XXXX XXXX. This account first went delinquent in early XXXX. Payment history provided by Equifax shows the account as 90 days past due in XXXX XXXX XXXXXXXX. Despite this, Equifax lists the first delinquency date as XX/XX/XXXX, a clear contradiction to the payment history. The account was fully settled in XX/XX/XXXX. As of XXXX XXXX  this account is still reflected on my Equifax credit report, even though it has been more than 7 years since the original delinquency, thereby contravening the 7-year reporting rule as set forth by the Fair Credit Reporting Act ( FCRA ). 
XXXX : Account was opened with XXXX XXXX. 
Early XXXX : Account first became delinquent. 
XX/XX/XXXX : Payment history on Equifax shows the account was 90 days past due. 
XX/XX/XXXX : Equifax incorrectly lists this as the first delinquency date, which is inconsistent with the payment history. 
XX/XX/XXXX : The debt was fully paid off. 
XX/XX/XXXX : The account still appears on my Equifax credit report, in violation of the 7-year reporting limit under FCRA. 
A dispute was initiated with Equifax regarding the incorrect reporting and continued presence of this delinquent account. 
Equifax updated the account based on information from XXXX XXXX but did not correct the conflicting delinquency date nor did they remove the outdated account information from my report. 

I urge the CFPB to closely examine the inconsistent and potentially inaccurate reporting actions taken by Equifax and enforce appropriate measures to ensure compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX made XXXX XX/XX/2023 XXXX the amount of {$450.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX XXXX XXXX I filed a dispute for two unrecognized transactions for a total amount of {$380.00} that drafted directly from my ACH. On XX/XX/XXXX, I was notified that I received a temporary credit. On XX/XX/XXXX, I was notified that my dispute was resolved in my favor and the temporary credit would be made permanent. Instead, the transaction was reversed and I no longer had even the temporary credit. I have contacted chime multiple times in over a 30 day period, and while they continue to escalate my tickets every time, none of the tickets have been touched despite me being told that the issue would be resolved within 48 hours of the ticket being submitted. I am now over 30 days past the resolution and still out almost {$400.00} because XXXX can not escalate investigations internally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently submitted a complaint for XXXX XXXX XXXX  on my credit report as identity theft and sent over the FTC form. The collection was removed. However, when I checked my credit today it was put back on there. I have attached proof of the removal and also it being put back on there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted via mail and a complaint with Consumer Finance that my credit score decreased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not applied for any new credit, there are no late payments or collections. My credit activities have been consistent over the last few years. I requested research to find the root cause of my credit score decrease and resolve the issue to correct this error immediately. 

Please note, I also requested the same research with XXXX and XXXX. Both XXXX and XXXX have corrected my credit score. I also check my credit score daily online with XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX However, TransUnion sent me a generic letter that said if you want your credit score it will cost you {$9.00}, ( sigh ) I tried calling TransUnion but they couldn't help me over the phone. 

This low credit score is affecting my financial state, as I'm looking for a home to retire but I can't because of TransUnion error in reporting an inaccurate credit score. They haven't even attempted to do the research.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting inaccurate information on my credit. They have not report my payment since I have a made half of payment on my credit card. {$1000.00} I had made XXXX payment. They are also reporting late payment on my credit card for making a lower {$25.00} payment after loosing my job. This cause my credit to go down by 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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
Debt collect been harassing me and asking for my information. And I asked them if I owe the collection wouldnt you guys my info? I asked them to name one address where I previously stayed they didnt answer and threaten to take me to court, saying youll be going to jail they started calling me from no CALLER ID. Ive been scared for my life since. Ive got XXXX XXXX  because of the threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from 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 explanation
Consumer complaint received 2023-09-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I've received emails and letters saying I'm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit. They have not report my payment since I have a made half of payment on my credit card. {$1000.00} I had made XXXX payment. They are also reporting late payment on my credit card for making a lower {$25.00} payment after loosing my job. This cause my credit to go down by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit. They have not report my payment since I have a made half of payment on my credit card. {$1000.00} I had made XXXX payment. They are also reporting late payment on my credit card for making a lower {$25.00} payment after loosing my job. This cause my credit to go down by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I applied for a Capital One credit card, and I was approved for a unsecured credit card back in XXXX XXXX XXXX  After receiving my credit card, I was able to access funds for a week then, I received an email saying that my account was reported for fraud. Every since, I havent been able to apply for a credit card with Capital One due to fraudulent activity. Im trying to figure out what I need to do to prevent this issue and be able too apply for a credit card from Capital One. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report.

Company response to consumer: Closed with explanation