vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My partner and I were walking home from doing errands when we were stopped by two gentlemen in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They claimed that were working with an XXXX XXXX XXXX  here in the city. They were supposedly helping these XXXX XXXX by helping them create music and sell it. I didnt quite believe the story, but I thought that XXXX bucks or so wasnt a big deal. I told them I would buy a CD from them. I tried to pay through XXXX, but they said they had a card reader and that would work better for them. I wasnt on guard and was more interested in just ending the interaction, so I gave them the card before discussing a price. They didnt say the price before tapping my card, at that point I got concerned, so I asked them how much they were charging me. He didnt immediately show me the amount on the device, instead, he tapped a bit on the device and eventually showed me he was charging me {$12.00} ( or so, I cant exactly remember the price but it was in that range ). The other member chimed in that if I donated {$25.00}, they would get a commission. This was also happening so fast in a space of less than a minute. I said sure, I would pay the {$25.00}. The man then tapped the card once more, again I wasnt shown the price on the device he was holding. At this point I was just trying to get out of the situation, so I took my card and the CDs and left. Later that day I checked my bank and saw that I was charged by two vendors I did not recognize : one from XXXX XXXX for {$120.00}, and XXXX from XXXXXXXX XXXX XXXX for {$1500.00}. Reading online, I found that other people have been scammed by these people : XXXX XXXX XXXX 
The above link matches almost exactly to what happened to me. We were given the exact same CD ( I was given an extra though ). Since we were in the park, there is no physical address I can go to to dispute the change. I didnt get their names or any contact information or receipts, which I know now is some basic safety I neglected. I have searched online to find the vendors that are listed in my bank account, but they both appear unrelated to the original gentlemen I encountered, they both dont have physical locations, the only number I could find was not answered and I had a message in Spanish that again seemed unrelated to the original men I met in the park. 


I filed a dispute with my bank and shared this information with them. They said that since I do not have a receipt, they are going to side with the vendor and they closed the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
A buyer in XXXX said he would zelle {$50.00} for an item. He demanded my email and number so I gave him the information.He sent the money and I got a notification in my email to make my checking account a business account. My bank did not notify me of any of this and the website claimed the buyer sent {$250.00} to make the account {$300.00} and I had to send {$250.00} to the buyer for the account to be a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I am a victim of XXXX XXXX please block this information from my credit report within four business days please pursuant to section 605 c of the fair credit reporting act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am trying to make a credit card payment with my Kohl 's Credit Card. However, the account information saved in Kohl 's for making such payments is closed. I am not able to provide updated account information in Kohls, there is not an option to update, change or delete an account used for payments. 

I called today to speak with a Kohl 's representative, and, he was no help in assisting with this matter. All the rep did was read to me my account information, such as balance and amount currently due. He did NOT listen to the problem I was communicating. 

The account used for making payments on my Kohl 's Credit Card is closed. I want to add a new one for making payments. Kohl 's does not allow a feature that lets me make these changes. 

I need help with this, because, I am not able to make payments on the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have a charge-off listed on my credit report from XXXX XXXX that is incorrect. I've received a 1099-C form for this charge-off and have filed it on my taxes which it is now taxable income and not debt. Credit bureaus can not report income as debt on the credit file. The credit bureau is still falsely listing this account as a charge-off which is negatively affecting my credit and also violating FCRA 15 USC 1681 ( e ) B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have a charge-off listed on my credit report from XXXX XXXX that is incorrect. I've received a 1099-C form for this charge-off and have filed it on my taxes which it is now taxable income and not debt. Credit bureaus can not report income as debt on the credit file. The credit bureau is still falsely listing this account as a charge-off which is negatively affecting my credit and also violating FCRA 15 USC 1681 ( e ) B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GFS II, LLC
State: OH

Complaint narrative:
Requested of the collector to : Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: OK

Complaint narrative:
I keep receiving mail from them for my ex.Husband who I have not seen in over 15 years and I do not want his mail coming to my house.I have already sent back several letters.And I have repeatedly asked them to stop sending letters to my address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: FL

Complaint narrative:
I am submitting this complaint to address multiple inaccuracies in my credit reports across Experian, XXXX, and XXXX. These inaccuracies stem from identity theft, which has resulted in fraudulent accounts and derogatory information being reported under my name without my consent or knowledge. Despite prior disputes directly with the bureaus, the inaccuracies remain unresolved, prompting this formal request for assistance from the CFPB. 

Accounts in Dispute : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX  This is the 2nd time I have file a complaint over fraudulent account on my credit report. I have my ID and Address compromised and someone has use my ID to apply for accounts. The following accounts are in error 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX  This is the 2nd time I have file a complaint over fraudulent account on my credit report. I have my ID and Address compromised and someone has use my ID to apply for accounts. The following accounts are in error : 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I have reached out to crypto.com for over a year, due to some missing funds. I get the run around by 20 different people every time. They have locked my account for my safety but I have missed out on profits because of this. I gave them another chance today. They gave me the same story. I still can not take profits. They have not looked into a refund. This is causing me a lot of problems. I requested every transaction sent in paper to my address on my ID, I showed them a picture of my ID. They just give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit 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: KEYCORP
State: OH

Complaint narrative:
I contacted my key bank latitude fraud and disputes and filed a dispute as I never authorized any such charge and never agreed to any such terms and conditions of the company that was charging me. As well as some sort of invoice statement which i never participated in any such auction, I don't typically do business with the company that the invoice was from ( XXXX XXXX  ), and never signed anything authorizing my card number to be used for any deposit or any other charge, and they only relied on the bogus info that the company sent them and after asking them back in XXXX for the info that was provided by peak I never received anything. Key advertises XXXX XXXX XXXX XXXX but then doesn't provide that and allows unauthorized charges without any protection as evidenced by their reversal of the credit issued initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: WA

Complaint narrative:
I was involved in multiple data breach in which all of my information was leaked. My social, debit and credit cards and other types of personal information were all apart of this breach and now since my accounts have been closed and while this was going on i have been taking it hard in life losing my car and having little money for months with no job and no way to get to a job if i had one. After dealing with injuries from the car accident i am finally ready to get back on my feet only to go to the dealership and find out i dont qualify for even the cheapest car. I ordered a copy of my credit report and finally understood why the data breech paperworks came in, money would just disappear but i never thought it was effecting me i just thought it was something sent to everyone who maybe affected by the incident.

i tried to dispute these through the credit bureaus and they did not remove them i contacted the banks already and contacted the credit agencies told them i would be filling a cfpb complaint and ftc report and sending in all the proof i have towards this issue [ i will be uploading that proof here as well ] One of the data breaches i was apart of offered Credit services which i took ( idx.xom ) i will also be uploading from there 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 non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have a charge-off listed on my credit report from XXXX XXXX that is incorrect. I've received a 1099-C form for this charge-off and have filed it on my taxes which it is now taxable income and not debt. Credit bureaus can not report income as debt on the credit file. The credit bureau is still falsely listing this account as a charge-off which is negatively affecting my credit and also violating FCRA 15 USC 1681 ( e ) B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
I did stop paying after I put over {$8000.00} in repairs into this XXXX they are a junk dealer and selling garbage too the unfortunate that's not right or Fair for anyone they should be out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I WOULD LIKE A SECURITY FREEZE ON MY FILES WITH ALL THE CREDIT BUREAUS TRANS UNION XXXX XXXX XXXX, XXXX I WOULD LIKE A PIN NUMBER TO ACCESS MY FILE AS SOON A POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i was outside of united state and i was a victim of identity theft the account opened XX/XX/XXXX and was close on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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