vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX after purchasing a plane ticket to XXXX, I decided to purchase XXXX XXXX XXXX XXXX XXXXXXXX hat. At the time, I was using an American Express Serve prepaid card due to the XXXX XXXX XXXX XXXXXXXX XXXX, ( XXXX ) XXXX, had caused me. 
When I submitted the order, the processing stage took a little longer than usual, but the order went through, I received the confirmation email, and the money was deducted from my account. I charged twice, and someone pretending to be playing a video game, typed a code that allowed them to steal {$36.00}, receive my order, and but, {$0.00} HOLD. 
Then they took the cyber online shopping crime a step further by DEACTIVATING " Track your order. '' When I go to Track my Order, it only reflects RECEIVED. It's been like that since XX/XX/XXXX. 
My sixth sense says XXXX ended up with my hat. The hat was at his office. He didn't pay for it. I did. He and his clones typed a code to cause this problem. 
If my order was indeed cancelled, XXXX XXXX XXXX 's tracker would have said so, and it still hasn't, XXXX. I just checked it again. ( see images ). 
In conclusion, I told XXXX to mail me a hat and place it in my box or refund me the money {$18.00} x 2 = {$36.00}. 
Today I checked my Serve account online again, the balance says {$0.00} and the transaction line that reflected XXXX is missing. 
Who is at fault here? XXXX XXXX XXXX XXXX for allowing the XXXX XXXX  to be all up my business XXXX playing " video games '' that XXXX XXXX online shopping orders, American Express Serve for allowing the online ledger to be tampered? The mail clerk for allowing mail theft to take place? Or everyone? 

Bottom line, I need to see {$36.00} in my account ( dummy account ) or a XXXX XXXX Hat in my box by the time I return to XXXX XXXX  XXXX Please have XXXX decide. The transaction was reversed due to the video game they were quote on quote playing " innocently. '' Please. 

Again, {$36.00} or mail me a hat. 


Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
My identity was stolen and There is 140 inquires on my report that I did not do. last thing I have requested credit for was for XXXX XXXX XXXX I bought a new car in XXXX, that was all that was on my credit and school loans. now there is other inquires I did not make. there were so many but they were on there a few times each Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the credit berau to try to dispute them but there is so many. please help I did put a lock on my credit but the person who is stealing my information has acess to everything I have. he broke in my home and got my information off my computer and stole mail from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: ONLINE Information Services, Inc.
State: DC

Complaint narrative:
In XX/XX/2023, this company added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for this account. This debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, this company has violated my rights as a consumer and I am requesting action to have this account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TX

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has ran my consumer report without my authorization on XX/XX/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 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
Called to request Mohela adjust PSLF cumulative months as the total # payments made is not accurate - XX/XX/XXXX Ive solely been employed at institutions eligible for PSLF since XXXX, documentation has been submitted with job changes etc. 
My current loans with Mohela were eligible loans consolidated when my loan servicer changed. 

My total accumulative payments shown on my current loan is 54 months which is incorrect. 
It should reflect 84 months as I started my loan payments in XX/XX/XXXX and have consistently paid monthly since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/, a little before XXXX XXXX I used Ally Bank 's online check deposit feature to deposit a {$2000.00} check from the US Treasury. 

Despite beating the cutoff time, I noticed there was no actual details of when the check would post. Later that night, the site was updated to indicate an extended hold of five days was placed on it. The only reason given was " inconsistent information on the check '' ( what?! ) I am familiar with the reasons that an extended hold can be placed on government checks - none apply in this case. I've never been overdrawn. It wasn't over the large check threshold. There is no reasonable doubt that this check will be paid ( it's a GOVERNMENT CHECK ). 

It seems they are actually probably just annoyed that my balance is far lower than the value of a check, and made up a reason to hold it. 

They refused to remove the hold when I asked. Now {$2000.00} is in limbo. I've been waiting five months for this check.

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 2023-12-27 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: CA

Complaint narrative:
XXXX XXXX XXXX : I purchased a XXXX XXXX on XX/XX/XXXX However, I decided to return the vehicle shortly after, exercising my right to early termination and return as stated in the contract. I paid the necessary fees and returned the car promptly. 

The lender then canceled the loan and requested the return of the car. It appears that the dealership failed to disclose structural damage. Despite my efforts, I have been engaged in a XXXX battle with the lender, pleading with them and explaining that I never had possession of the car. Fortunately, the dealership refunded my down payment and took back the vehicle. XXXX XXXX, the lender, has already confirmed the return. 

Unfortunately, the dealership went out of business in XXXX, and I suspect they owe money to the lender. I have written numerous letters to the lender and credit bureaus, expressing my concerns and complaints, but my pleas have fallen on deaf ears. I find myself in a difficult situation and would greatly appreciate your assistance.

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 2023-12-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX Amount : {$780.00} The company mail me forms to fill out with The Dispute Department I will like for this to be removed and deleted out of my credit report, seeing I never applied for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Chesmar Homes
State: PA

Complaint narrative:
While building house, lender offered misleading seller credit for $ XXXX. When reviewing possible loan terms, they are egregiously higher than the prime rate offered by other companies effectively nullifying their offer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NY

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: VA

Complaint narrative:
Accounts in question : XXXX XXXX XXXX XXXX I mailed dispute letters to XXXX, XXXX, and TransUnion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are received per my credit report stating, " account disputed by consumer ''. They never sent documentation of their investigation proving how they determined the accounts to be accurate. 
PER the FCRA section 623 & Regulations V a furnisher must not furnish inaccurate information to CRA, and that the furnisher ( credit bureaus ) must investigate a consumer 's dispute that the information is inaccurate or incomplete. 
How is this being accomplished if documentation required by law is being honored. I requested. 
1. An agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature, demonstrating my agreement to assume debt.

3. Valid copies of the debt agreement, clearly stating the exact amount of the alleged debt and any interest.

4. A complete and detailed payment history for this account, along with a comprehensive itemization of all additional charges being assessed. 

PLEASE DELETE THESE UNVERIFIED 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 non-monetary relief
Consumer complaint received 2023-12-27 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: VA

Complaint narrative:
Accounts in question : XXXX XXXX XXXX XXXX I mailed dispute letters to XXXX, Experian, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are received per my credit report stating, " account disputed by consumer ''. They never sent documentation of their investigation proving how they determined the accounts to be accurate. 
PER the FCRA section 623 & Regulations V a furnisher must not furnish inaccurate information to CRA, and that the furnisher ( credit bureaus ) must investigate a consumer 's dispute that the information is inaccurate or incomplete.

How is this being accomplished if documentation required by law is being honored. I requested.

1. An agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature, demonstrating my agreement to assume debt.

3. Valid copies of the debt agreement, clearly stating the exact amount of the alleged debt and any interest.

4. A complete and detailed payment history for this account, along with a comprehensive itemization of all additional charges being assessed. 

PLEASE DELETE THESE UNVERIFIED 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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am writing to dispute and request an investigation into the inaccurate information reported by Capital One on my credit reports. The accounts in question, held with Capital One, have been paid in full, and the continued presence of these accounts on my credit reports is having a significantly negative impact on my creditworthiness. 

The payments were made in accordance with the agreed-upon terms, and the accounts were subsequently closed in good standing. 

It has come to my attention that the inaccurate reporting by Capital One has resulted in a lower credit score, affecting my ability to secure favorable interest rates and obtain credit for various financial endeavors. I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ) as it inaccurately reflects my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCT # XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS DEPARTMENT OF TREASURY ( XXXX ) ACCT # : XXXX, HAS VIOLATED MY RIGHTS DEPARTMENT OF TREASURY ( XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 the information is inaccurate

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 2023-12-27 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed a public record ( Collection Account ) which is not mine to Equifax, and Equifax continues to report the damaging information on my report. Equifax sent me a " Dispute Results '' pdf, stating that the information I disputed has been " verified as accurate ''. This is impossible, as the Collection account is not mine. The Collection company reporting to Equifax, XXXX XXXX XXXX, can not have any valid proof that connects me as owner of the account, as I don't have, or have ever had any contractual relationship with the utilities company claiming a defaulted account. Equifax is the ONLY reporting agency erroneously posting this negative and derogatory information about me. PLEASE HELP!!! Equifax 's dispute process is a joke. I have always had excellent credit, and what Equifax is doing is certainly not FAIR CREDIT REPORTING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
RobinHood Investment app restricted account and won't let me get my money back and keep asking for more and more banking and personal documentations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation