vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX Several charges from an unknown vendor listed as " XXXX XXXX XXXX showed up on my Cash App. Multiple charges at various times totaling {$150.00} were debited from my account. I immediately contacted Cash App to alert them that the charges were unauthorized. Cash App responded hours later indicating to create a dispute. On XX/XX/XXXX additional charges totaling {$170.00} was debited in addition to the previous amount. An email regarding one of the amounts was returned. However, several of the charges have been denied stating " documents '' that were relied on. There are no documents, because I do not have knowledge of the merchant who I looked up is listed in XXXX XXXX. I have since reported my card lost/stolen and requested a replacement to prevent any further debits to the card. It has been a week and the card has not arrived timely nor has the funds been returned that was stolen. I would like to add that the funds that were stolen were needed as it was a stipend that was sent to me from the Department of Veterans Affairs. I am requesting a full return of the {$330.00} that was stolen. Finally, since canceling the card numerous attempts were made from this merchant as recent as XX/XX/XXXX for {$17.00}, XX/XX/XXXX {$17.00} and numerous other attempts. On the date of the debits amounts were attempted for {$340.00} on XX/XX/XXXX and {$170.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 under15 USC 1681, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions

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 2023-01-14 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I opened a credit card XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and decided to close it in XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I closed the account, they said the balance was {$130.00} and I paid it right on the spot so it was paid in full and closed. I never heard from them again. 
Now on XXXX XXXX XXXX went and posted a XXXX delinquent on my credit report for {$4.00} this bringing my Transunion credit score down XXXX points, I called them and their answer was after it closed there was small interest due, I told them once I paid you in full and you closed the account you can't go ahead and add interest on a closed account. Now this was closed in XX/XX/XXXX and they just posted this on my credit in XX/XX/XXXX. I am right in the middle of getting a mortgage and if they don't clear this error off my report I will lose the funding, lose the house we are purchasing and ready to close on and have a heap of trouble with the people we are selling our home to, all of this because of a {$4.00} error on their part that they don't want to take responsibility for. I need help or I'm going to lose the houses and thousands of dollars. 

Thank You

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 2023-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
This Financial organization is collectively working against its customers by tacking on rigorous amount of fees and collecting interest on these fee they are robbing there customers with this business tactic. I refinance my vehicle in the hopes of a lower car payment however I have been deprived and deceive by while this organization capitalize on my business. The scheme they have plotted allows the bank to charge people a XXXX when they havent heard from you and add interest on it should be illegal Especially this exceeds the value of the vehicle. It is highway robbery should be considered extortion.

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 2023-01-14 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: FL

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

Inquires : XXXX XXXX XXXX Charge Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: IL

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX. I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. My personal non public information was shared by XXXX, XXXX, and XXXX, without my full disclosure or written consent. My personal right to privacy has been abused and violated under the XXXX XXXX XXXX act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in the next 5 business days as stated under law. XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
MY PERSONAL INFORMATION WAS COMPROMISEDAND USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE OR CONSENT. 

I HAVE FILE FTC REPORTS FOR IDENTITY THEFT AND CONTACTED THE XXXX COMPANY TO REMOVE THIS ACCOUNT BECAUSE OF FRAUD AND THEY REFUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
During XX/XX/2022, I invested money on Coinbase for buying cryptocurrency, but several days later when I am trying to withdraw my balance, my account was blocked. Since XXXX until now, I have tried more than XXXX times connect with customer service to solve this problem. All of the assistant told me that their official XXXX team will contact me via email, cuz they said that I can't use my account for buying and selling cryptocurrency anymore but I can transfer my balance to another address. Yesterday, I only got XXXX emails from XXXX team ; first XXXX was telling me that they are still reviewing my account, and I can try to withdraw my balance, when I tried again, my account was still locked. the second email was a survey, whether the problem was solved or not. I am so upset with Coinbase for playing pingpang ball with my question. When I contact their customer service again, its always repeat the same conversation. Their official supporting team didn't do anything helpful with my concern. There are XXXX ETH approximately XXXX dollars in my account. Thats all the money I have, I need to pay the rent, mortgage and live spending. If Coinbase still ignore my concern, its stealing my money, its a hard time for me. Hopefully my concern will be solved when you receive my comments. Please save me! I am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid off 4 retail credit cards with high interest rates in XXXX, 2022. Both XXXX ( XXXX XXXX ) and XXXX ( XXXX and XXXX XXXX ) removed the residual interest but Capitol One representing Walmart did not. The original residual interest was {$41.00}. Capitol One has added {$39.00} as monthly late payment fees since then. Currently, the amount due is {$150.00}. I contend the late fees are nothing more than the junk fees discussed in one of your recent reports. Additionally, Capital One submitted a negative report to the credit agencies and my XXXX score dropped from XXXX in XXXX to XXXX currently. I saw a CFPB report on the credit bureaus and their improved self policing. I beg to differ. Please share my input with XXXX, XXXX and XXXX. My expectations are that Capitol One retract their demand for residual interest and retract their negative report to the credit bureaus thus restoring my positive credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXBalance : {$10000.00} XXXX XXXX XXXX**Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX  Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXXBalance : {$10000.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXXBalance : {$10000.00} XXXX XXXX XXXX68****Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXXXXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXXBalance : {$10000.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: FL

Complaint narrative:
Transunion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To Whom it XXXX concern, There is information that's on my consumer report that is a result of identity theft.I did not provide written permission, or instructions for the identified transactions to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted.My request to block is not being made in error, nor is my request to block being made on the basis of a material misinterpretation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : Fraud accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Hard Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX T XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.I look forward to your response. 



Respectfully Submitted, XXXX XXXX, XXXX [ Agent/Beneficiary ] Without Prejudice.All Natural Alienable Rights Reserved

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 2023-01-14 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: TN

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-14 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: TN

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried for months to get these items removed from my report. My rights were violated many of these accounts are not mine. I have mailed proof and all I receive is that they verified it as accurate. Please send a hard copy of the proof where my signature is shown is what I have asked for and that doesn't happen. 



After reviewing the laws for 12 u.s.c. 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the fair credit reporting act, the below accounts violated my rights. All should be deleted from my account immediately as it is harming me from purchasing my home. There also shouldn't be any late payments as I have been on time with all my accounts. 

XXXX. XXXX XXXX XXXX {$880.00} ... ... ... .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account 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 account : XXXX XXXX Balance : {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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I acquired my credit report and asked the credit bureau to check and make sure everything was complete, and accurate to 15 USC 1681 I ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. 

And I searched the company, gave my information to different collection agencies this is not accurate I am going to attach account numbers. 
There is same account but different collection agency please take it seriously I have a right for dispute duplicate account from same company this is violation this is impacting me from moving forward I attach my previous credit report in my new credit report to show how equfax violated my rights Collection Agency XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation