vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021 I sent letters to XXXX XXXX about wrong balnace reporting on my credit report. I have paid them in full and that should be reporting. unfortunetely its reporting that I owe {$340.00}. Thats inaccurate. I owe {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2021 I sent letters to XXXX XXXX about wrong balnace reporting on my credit report. I have paid them in full and that should be reporting. unfortunetely its reporting that I owe {$340.00}. Thats inaccurate. I owe {$0.00}

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 explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Hello, Below is a description of the incident. My name is XXXX XXXX. 

I was searching online to buy a XXXX puppy for my kids for XXXX and came upon this site https : XXXX After email exchanges with the breeder, I proceeded to purchase the XXXX XXXX for {$850.00} total and paid for it by Zelle which is hooked up to my XXXX checking account on XX/XX/2021. I was asked to send a picture of the Zelle confirmation by the breeder. Breeder confirmed they received my payment and they'd ship the puppy the following day from Oklahoma since it's already late. I got confirmation by email and text from this number XXXX XXXX ( same number on the emails from breeder ) the following day that the puppy was dropped off at the pet shipping agency, that they will contact me next, but I was warned that the shipping agency didn't take their old crate and need to use a different crate for traveling. I then got an email from the shipping agency XXXX XXXX XXXX confirming the shipment of the puppy, tracking number, and the shipping and delivery is paid. Then I got a call from the shipping agency from this number XXXX that I need to pay for a thermal crate or the puppy won't be able to travel, the fee is {$1700.00} and I'd get 95 % refund back to my Zelle account when the puppy arrives at my address. They advised me to break up the payment if I hit a limit with Zelle. I was only able to send {$1000.00} then {$500.00} via Zelle and they asked me to get a XXXX gift card for the remaining balance and send them a picture of the receipt and front and back of XXXX XXXX. I did that and emailed them the photos and they confirmed receipt. I received a call from the pet shipper again now asking for {$1900.00} for pet insurance needed to ship the puppy, that the puppy is stuck in Colorado and that if I don't pay then the puppy will be abandoned, they'd call the FBI. I said I'd pay by credit card but not Zelle or XXXX which they were asking me to. I then told the pet shipper on the phone that I will cancel the shipping, that this is a scam. The pet shipper said they'd send me a refund in 72 days and sent an email stating so. I told the pet shipper on the phone I need the refund back to my Zelle account now. I also called the breeder who told me to pay the pet shipper, that he had been using them for 5 years and that I will receive the dog. He said he can't really talk cause his daughter is at the hospital ill. I called the breeder again and the number XXXX is disconnected. I sent the breeder an email saying I need a refund of the {$850.00}. No response from both. 

I've reported this to Zelle, my bank, as well as the local police here in XXXX XXXX CA ( report # XXXX ), FBI IC3 , FTC, XXXX, XXXX. I reported this on XXXX. I also reported it to the web hosting site, XXXX, and the breeder site was taken down on XXXX. The pet shipping site is still up, I reported it to XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
PAYPAL PREVIOUSLY SAID THAT MY MONEY WOULD BE MADE AVAILABLE FOR TRANSFER ON XX/XX/XXXX You were also informed that your Account balance would be held for up to 180 days, at which time we would email you with information on how to access your funds. WELL THAT WAS A LIE, I WAITED 6 MONTHS AND THEY DO THIS TO ME??? OH NO, I HAVE CONTACTED THE WISCONSIN XXXX ATTORNEY XXXX XXXX, WHO REFERRED THE MATTER TO THE CONSUMER PROTECTION AGENCY. I WILL BE CONTACTING AN ATTORNEY. I WILL NOT ACCEPT THE STANDARD YOU AGREED TO THE ACCEPTABLE USE POLICY BOGUS PREFABRICATED RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: PA

Complaint narrative:
Open XX/XX/XXXX oXXXX XXXX It is XXXX XXXX service which would have been taken care of by my sons insurance. I have contacted the insurance company several times and the service to get it taken care of and they havent done anything about it. Insurance should have paid this! As this violates FCRS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Inquiries : XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired 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 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
My XXXX yr old grandmother was trying to ordering a dryer from Best Buy. She was on the phone with somebody that was XX/XX/XXXX rude demeanor very unprofessional. I get on the phone and ask for a supervisor, the supervisor got on the that was very nice and professional, the supervisor indicated to me and my grandmother the dryer she wanted was out of stock and offer my grandmother a higher dryer that was more of the dryer she was originally going to get at the same rate. That purchase happened on XX/XX/XXXX the delivery scam happened on XX/XX/XXXX. Best Buy told the delivery dryer to delivery my grandmother a beat down used dryer when she paid for a new one, I guess Best Buy thought my grandmother was going to be home alone. A XXXX woman is not suppose to have a nice dryer she was granted to by one of Best Buy associates. Higher up didnt want to accept that, not only did they brought my grandmother the wrong dryer Best Buy cancelled without our consent. When we try to order the same one we suppose to get its a backup until XX/XX/XXXX. My grandmother purchase another dryer from Best Buy I dont know why. Another gentleman gave my grandmother on a cheaper dryer and her new delivery was scheduled was XX/XX/XXXX. I contacted the head leader at corporate thats making it hard for us name is XXXX XXXX and XXXX XXXX can he give us a sooner date, XXXX sent a email stating he can give us XX/XX/XXXX. Received another email from Best Buy 2 hrs ago stating we have to setup our own appointment and delivery time when it was already taken care of corporate is continuing to fraud scam with our account and I have all the evidence pictures.

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 2021-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
On XX/XX/2021 I applied for the Citi XXXX XXXX XXXX. The application went in and I received an instant denial. In the following 30 days I have not received any letters or other communication explaining the denial. In the following 60 days there have not been any offers to explain the denial from Citi Bank. This is in violation of 12 CFR Part 1002.9 ( a ) ( 1 ) ( i ).

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 2021-12-12 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:
i was the victim of identity theft and i filed an identity theft report. this message is for transunion and equifax. i have already placed fraud alerts on my credit reports. i see a bunch of credit inquiries and some accounts that shouldnt be on my report due to someone trying to open accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: MD

Complaint narrative:
This request to block the accounts listed below from my credit report is not made an error in my request to block information is not based on material misrepresentation and I did not knowingly obtained possession of goods services or moneys as a result of one or more of the transactions that I seek to block. Under 15 US C 1681C-2 you must block all fraudulent accounts. Since I attach my form of ID proof of address Social Security card FTC report. This complaint lists someone that your company should recognize as their customer of their customers authorized representative. 

You are reporting accounts that are fraudulent and accounts that are not mine! which violates my privacy. According to Congress I have the right to privacy the hard inquiries violate my privacy. I do not want information shared on my consumer credit report remove them immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: MD

Complaint narrative:
This request to block the accounts listed below from my credit report is not made an error in my request to block information is not based on material misrepresentation and I did not knowingly obtained possession of goods services or moneys as a result of one or more of the transactions that I seek to block. Under 15 US C 1681C-2 you must block all fraudulent accounts. Since I attach my form of ID proof of address Social Security card FTC report. This complaint lists someone that your company should recognize as their customer of their customers authorized representative.

You are reporting accounts that are fraudulent and accounts that are not mine! which violates my privacy. According to Congress I have the right to privacy the hard inquiries violate my privacy. I do not want information shared on my consumer credit report 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 2021-12-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/21, I sent letters regarding inaccurate and unknown accounts and information reporting to my credit reports. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, the reporting agencies are suppose to provide actual proof the information was verified. This did not happen. All 3 reporting agencies ( TransUnion, XXXX XXXX XXXX ) responded with computer-generated response confirmations. So again on XX/XX/21 & XX/XX/21 I sent letters credit agencies to investigation letters demanding to comply with my request. I have sent letters to the companies furnishing this information to my credit report on XX/XX/21 and have not received any information in return, no response at all. I presume that no proof of alleged debt nor therefore such any debt in fact exists. I demand that these accounts be deleted immediately or I will file for litigation due to the stress they are causing. My information was impacted by the XXXX data breach and I am a victim of Identity theft. The reporting agencies are aware of this yet they refused to do a proper investigation. This whole thing has taken much longer than XXXX. This is day 51.

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 2021-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This dispute has nothing to do with Capital One providing credit to me, it has to do with Capital One paying a bill on my behalf with a card that was already closed. I closed my cards with Capital One. Capital One say they closed my cards. Either way you look at it, THE CARDS WERE CLOSED by me and they say they closed the cards and therefor NO TRANSACTIONS COULD BE MADE BY ME and Definitely Capital One should have never arbitrarily authorized a payment to a company that i was no longer do business with. I had 2 Capital One credit cards. The fact is that some time in XXXX or early XXXX, both of my cards expired, the XXXX numbers were no longer valid and no new cards were ever sent to me for my ability to use. I did not owe Capital One any money when it was decided by me to not continue having a Capital One card. Capital One claims they closed my bank card accounts in XXXX, which was ok with me. I did not use any of my 2 cards for nearly a year, yet recently, on XX/XX/XXXX a charge was billed to me in the amount of {$160.00}. First and foremost, I closed a recurring charge in XXXX with the XXXX  company i had done business with when I owned my business. In XXXX, I had a XXXX. I survived after having been placed on XXXX XXXX and was in the XXXX for 28 days. I had XXXX XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. my business was placed on hold immediately following my XXXX and XXXX XXXX. Capital One can easily the CFPB anyone else that use of either of the Capital One cards pretty much came to an end. Anyway, if you look at the charges that were ever logged on to my card, you'll see that I paid off any and all card charges and allowed the cards to have a zero balance and therefor remained closed. On or about XXXX of XXXX, Capital One arbitrarily opened my closed account and paid a bill on behalf of my closed company and myself without my authorization. When a card is closed by both parties, that is Capital One and Myself, and the card can not be used by me in any form or manner, the bank that owns the card can not just reopen the card, pay a bill and then expect me to accept the bill. The XXXX company in question has acted in Bad Faith and service with them was canceled. I called Capital One to dispute the charges. Capital One recently sent me a reply letter ( attached ), and wrote that they " ... consider this case closed. '' and expect payment from me. I do not do business with XXXX and i do not owe Capital One for voluntarily paying on my behalf from a credit card that was closed by them and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Federal employees stole all of my info and I went to Experian today to get it noted on my account. They said I had to pay {$20.00} a month to get my account flagged and monitored for identity theft. That's illegal.

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 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Received notice of credit inquiry by XXXX on XX/XX/21 via email. After accessing my XXXX account, it showed that Cash Central had made a credit inquiry on XX/XX/21, and I did not apply for any credit or authorize any company to access my credit report. I would like to have this removed from my credit report by Cash Central. If the company deems this is a legitimate inquiry, I would like supporting documentation with the actual name of the business in which the application was made, the terms of the loan, and proof of my authorization of accessing my credit report - preferably a signature. If this was made electronically, I would like the audit trail of the transaction, including the public IP address, time, and date the authorization came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: NC

Complaint narrative:
i was the victim of identity theft and i filed an identity theft report. this message is for transunion and XXXX. i have already placed fraud alerts on my credit reports. i see a bunch of credit inquiries and some accounts that shouldnt be on my report due to someone trying to open accounts in my name.

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 2021-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Venmo and XXXX have a collaboration to allow customers to send payments using their XXXX Send account. 

I have had issues using this service since XX/XX/2021 and was unsuccessful in sending a payment to another Venmo account. 

Regardless of who the payment was being sent to I still received an email from Venmo stating that the transition was cancelled and being returned. but the problem is that the funds were not returned to XXXX which is the payment funding resource. 

That is fine that the transaction was cancelled but the financial issue that has caused financial harm is that funds were not returned to the original payment source. 

The payment of {$1100.00} was not returned to XXXX and the funds are frozen in the account. 

I am not sending the funds to my personal bank account because the purpose of the transaction is to fund an Art project through a business account and I need the proper documentation and a track record of receipts. 

If the transaction was cancelled by Venmo then the funds need to be returned to XXXX the original funding source. 

I received an email stating that the account was frozen and to upload my identity. I already uploaded my identity. Venmo successfully verified my identity but then froze the Venmo account a second time even though I already uploaded a picture of my identification. 

The funds are still not returned to XXXX. 

I have contacted Venmo and chatted with customer service and customer service is asking me to submit a copy of my bank account to unfreeze my account even though I did not use my bank account to make the {$1100.00} Venmo transaction. 

I am not sending the funds to my personal business account because that defeats the purpose of using the XXXX SEND product for the Venmo transaction. 

The bottom line is that the transaction of {$1100.00} that was cancelled by Venmo needs to be returned to XXXX SEND ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I'm not able to see my Equifax Credit Report online anywhere I've tried to contact them multiple times but still, nothing was done over the past 3 months. I'm trying to get a house loan but no one has pulled my credit.

Company response to consumer: Closed with explanation