vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
upon trying to resolve this debt with this company that i dont know or signed any contract with they have been bothering me by mail and phone calls to collect over XXXX dollars that i do not owe them again i have never signed a contract with them in person or electronically for any reason neither any of there affilliates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: IL

Complaint narrative:
Background : Cash App advertised a boost or credit of {$5.00} that can be used on any purchase This boost is automatically unlocked after making one purchase at XXXX Once available, the boost must be selected in app prior to making a purchase in order for the credit to apply For locked boosts, the unlock process is automatic after a qualifying purchase and does not require anything to be selected at anytime - in fact, its not possible. 
Only when using a boost does it need to be selected in app, prior to use towards a purchase. 


Problem : I made a qualifying purchase with XXXXXXXXXXXX  on XXXX/XXXX/2020. 
The boost was not unlocked automatically, so I contacted Cash App email support for assistance. 
Multiple Cash App support representatives have replied, incorrectly telling me that the boost wasnt selected at the time of purchase and that is the reason the boost is still locked. They have refused to correctly identify the problem, fix the issue, and unlock the boost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian will not respond to my request to remove a credit freeze. They requested identification by mail in order to unlock my online account so that the credit freeze can be removed. They are unresponsive by US mail or online contact.

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 2020-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
upon checking my credit report i realized there is a company trying to collect over XXXX dollars from me i dont know who this company is i have never signed any contract with them in person nor electronically with them nor any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX, XX/XX/XXXXXXXX  Via Certified Mail Equifax Information Services, LLC. 
XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX : Inaccurate Residential Address Listings - Equifax Willful Noncompliance to Correct Issue To Whom It May Concern : On Thursday, XXXX XXXX, XXXX, delivered to your office was my initial certified plea to remove the incorrect residential addresses that appear on my Equifax ( EQ ) credit report. Yet, concerning I never received a Notice of Results of Reinvestigation. Consequently, on Thursday, XXXX XXXX, XXXX, you received a second appeal asking that the inaccuracies be corrected. And, appropriately the response dated XXXX XXXX, XXXX, reflected that 6 out of the initial 10 listings had been expunged. 

However, upon reviewing my XXXX XXXX, XXXX, EQ consumer history, there are once again 10 erroneous entries, of which six ( 6 ) have the same XX/XX/XXXX, Date Reported ; which is noticeably wrong, as I couldnt have lived in 6 different places at the same time. 

Therefore, because this is my third ( 3rd ) correspondence asking that you uphold your legal obligation under the Fair Credit Reporting Act ( FCRA ) to report complete, and accurate information, I have also escalated this matter to the respective agencies that appear in the CC portion of this letter. 

Hence, to reiterate, as noted on the enclosed infile pages, ALL mentions that are labeled INCORRECT are misstatements, as I NEVER LIVED AT ANY OF THESE ADDRESSES ; and per the FCRA should be deleted. 

Finally, failure to provide such validation may abridge such rights. However, erasing the highly questionable credit bureau reporting, and furnishing me with a corrected consumer file, as a result of the reinvestigation4 will be acceptable in lieu of further legal action. 

In conclusion, I want to thank you once again, in advance for upholding the letter and spirit of applicable statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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:
In XXXX I tried to remove the freeze/lock on my Equifax account. I was told the information that is accurate for me was not what they had. I was told to mail a social security card and drivers license with my address to Equifax at the XXXX XXXX XXXX. I got no response and after several attempts contacted your Bureau for help Complaint Number XXXX. Through you they said to mail more personal information to the same XXXX XXXX XXXX. I did and they sent the attached reply to now send even more personal information to XXXX XXXX XXXX. 

I will try this again but I want to know What has happened to the information that was sent? 

Why the change in PO box numbers from their response to you? 

Since it looks like Equifax prefers their fraudulent information to my valid information, what should my next step be to get the lock off my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity Bank handles XXXX credit cards, a merchant with whom I have held an account for decades. In early XX/XX/2020 I made two relatively large purchases from XXXX, just as the COVID-19 pandemic was beginning its grip on the US. As a result, XXXX shut down some operations, and I experienced problems in getting guidance from XXXX as how to handle returns, as much of the referenced purchased product was to be returned. Eventually, XXXX provided a return mailing label, and I returned the product ( received by XXXX on XX/XX/XXXX ). 

I contacted Comenity by letter dated XX/XX/2020 explaining the situation, and Indicated I would make minimum payments each month until the returns were processed - and asked Comenity not to charge interest fees, as I anticipated the value of the returns to clear any balance. No response was provided. 

In XXXX, credits of over {$1500.00} appeared on the XXXX statement. Those credits were not as quite as great as I expected, but XXXX did resolve the discrepancies with me. I contacted Comenity again by letter, on XX/XX/2020, enclosing copies of return-receipts. I pointed out that my initial letter had drawn no response, and renewed my request for interest fees to be waived. 

On XX/XX/XXXX, Comenity wrote, claiming they were unable to verify a return, despite the return credits recently issued on the account statement. On the very same date, Comenity sent another letter - suggesting they were investigating my complaint, and suggesting that process might take up to 90 days. 

I contacted Comenity by letter dated XX/XX/2020 summarizing Comenitys failure to provide a meaningful response. The Bank responded on XX/XX/2020 - again with two letters, one asking me to call Comenity, the other suggesting they were researching the matter ( and indicating that effort might take up to 90 days ).

Throughout, this process Comenity has provided little or no meaningful response to my inquiries, and charged interest to my account - in XXXX, XXXX, XXXX, and XXXX, totaling in excess of {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: MD

Complaint narrative:
XX/XX/2020 - I received a U.S. Bank Relia Debit Card from the Colorado Department of Labor and Employment last week to receive unemployment benefits. I do not live in Colorado ; I live in Maryland. I did not EVER file for unemployment insurance, hence, I do not want or need this card. I believe this may be a case of identity fraud. I would like to deactivate this card immediately.

I tried contacting U.S. Bank Relia Card Customer Service at XXXX XXXX and could not reach a live person to deactivate the card. Rather, an automated message asked me to put in the 16-digit card number and PIN. I do not have a PIN, since I never activated the card. I also could not get to an operator to discuss any other options.

Online, I was able to email a fraud report form ( found at https : //cdle.colorado.gov/sites/cdle/files/USB_ReliaCard_Fraud_Form.pdf ) to XXXX. I also found this XXXX Form and submitted it, as well : XXXX  : XXXX ( without my social security number, since I did not feel this was a secure platform ). 

To be on the safe side, I also contacted XXXX to set fraud alerts on my accounts. I also ran a credit report through XXXX  and see that there were soft inquiries from the Colorado Department of Labor and Employment ( XX/XX/2020 ) as well as from the Ohio Department of Labor and Employment ( XX/XX/2020 ), which are both very concerning.

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 2020-11-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2020-11-15 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: CT

Complaint narrative:
I started and investigation request on XX/XX/2020 with follow up request and this company have not send me updates or share the process of there investigation, inaccurate information is been reported to my credit report and this company have not remove them. please investigate. 

please see attached all the letters sent and my ID

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 2020-11-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX. 
{$450.00} This is not my account. There has been a fraud alert on my account for several years. I have no business with this company. It is affecting me to obtain employment during these challenging times. If I need to seek an attorney in this matter then I will have to seek additional damages.

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 2020-11-15 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I started and investigation request on XX/XX/2020 with follow up request and this company have not send me updates or share the process of there investigation, inaccurate information is been reported to my credit report and this company have not remove them. please investigate. 

please see attached all the letters sent and my ID

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 2020-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Reported on XX/XX/XXXX {$0.00} -- Overview Reference Number XXXX Date Filed Reported on XX/XX/XXXX This is not showing correct info. BK was in XXXX not XXXX and should have been removed from report as it was over 10 years ago.

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 2020-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I began to fill out application and it auto applied for me based off my Amazon account. This had the wrong details because Ive had a legal name change. 

When I went to call the credit company they were insanely rude. Kept talking over me. Insisting I was wrong. Calling me by the wrong name. Hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX Capitol One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Hi, Recently I made a purchase, using my linked Capital One Platinum Credit Card, via XXXX to a Seller in XXXX. The Seller was charged approx. {$50.00} USD for the transaction. I was then charged a {$30.00} Cash Advance Fee & {$4.00} in interst charges in conjunction with the Cash Advance Fee. The transaction was also listed as a Cash Advance, which lead to a higher interest rate. i was never notified of these charges, prior to the transaction. I have used this same Credit Card through a linked account with Paypal & never had the transaction charged as a Cash Advance. I would ask Capital One please refund the {$30.00} Cash Advance Fee, {$4.00} Cash Advance Interest & have the transaction listed as a Purchase, rather than a Cash Advance. Thank You. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15 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: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute for inaccurate payment history from Arvest Central Mortgage. Arvest reported my XX/XX/XXXX payment as 30 days late ; however, this mortgage was paid off on XX/XX/XXXX. I submitted a document showing the payment record from Arvest to XXXX, and disputed this with the company directly. Both Arvest and XXXX  have refused to remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.

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 2020-11-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.

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