vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/2022, I sent my son {$25.00} via CashApp, which he never received. It was sent to his original account linked to his old telephone number. His phone number was changed but he still had access to his Cash App account up until he had his phone replaced and had to reinstall the app. During this time, I sent him {$25.00} he never received because both his phone and new telephone number was not linked to his old account. I tried to resolve this since I was the sender and he tried to resolve this since he was the intended receiver. We have both been unsuccessful with their steps for verifying his identity. They have essentially told me that there is nothing they can do on my end and suggested he create another account without any investigation or transfer of monies to his new account. Meanwhile, my money is sitting in his virtual account. There is no live person to speak with and I have chatted with several assistants and have even asked to escalate my issue but they refuse and have closed all chat sessions with me. 
We have taken every step or recommendation they've asked and each step or recommendation has led to nowhere except back into another chat session.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$66.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. NO : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX LA XXXX, XXXX This company is publicly known for fraud. It takes almost XXXX effort to investigate and discover this. https : XXXX After more than six weeks after filing a dispute Amex rebilled me for a fraudulent charge from this merchant but failed to provide any evidence or documentation that the charge is valid as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 

XXXX XXXX XXXX Act # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX  As stated in 15 U.S.C 1681 Section 602 A, it states I have the right to privacy.

15 U.S.C 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 2022-11-06 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Installment Account XXXXXXXX XXXX Account Number XXXX, Credit Account XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, Has violated my rights. 15 U.S.C 1681 section 602 A Section 1 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681 Section 623 B Section XXXX : The Information is, in fact, still inaccurate.15 U.S.C 1681 section 609 A : Every Consumer reporting agency shall, upon request, clearly and accurately disclose to consumer :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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:
In Accordance with the Fair Credit Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX All have violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

These items were indicated in fraud and should not remain on my file

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 2022-11-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 A section section : it also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-06 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:
I called XXXX spoke to Zelle Agent XXXX he remoted into my bank account thri XXXX  while talking he called me from XXXX. Asked me to go to Transfer money to XXXX XXXX at XXXX. Then he opened my XXXX XXXX, XXXX & XXXX XXXX when I realized he was scamming me after he asked for my XXXX account. Told him this was not normal why he was doing this when I told him I was a victim of identity theft. He immediately hung up on me. Called him back and supervisor who answered said he was with another client

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Oklahoma Student Loan Authority
State: IL

Complaint narrative:
Student loan Student loan of Oklahoma refuses to remove my queen history and failed to several times after I call them and I have XXXX balance and I can't get a home because of this and it's really driving me crazy because I have a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: WI

Complaint narrative:
Google Pay services charged {$21.00} to my XXXX for a service I did not authorize. I contacted Google, and they cancelled the service, but refuse to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: MO

Complaint narrative:
So I currently purchased credit repair software and I ran my credit report instantly. Upon examining my report I found a few mistakes. Those mistakes being my name being misspelled, my address not being up to date and current employer not being correct as well. Knowing that these credit bureaus are responsible for millions of people inform and also knowing that they have ha habit of making plenty of errors on peoples credit report. I thought that disrupting these error would be the correct move to make.I sent my disrupts out on XX/XX/2022 and I have yet had any help with removing this information. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have attached my driver license and social security card In accordance to the FCRA act, Ally has violated my rights for 6 months with all 3 credit bureaus.

15 USA 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states fa consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a_ Definitions, rules of construction Exclusio
ns-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for purpose.

Account is reporting with 2 different amounts of high credit Account is reporting with 2 different past due amounts Account is being reported with 3 different dates of last activity Account is being reported with 2 different dates of payment history If this is the same account being reported by the same creditor why are dates amounts, status of account all different Account Status is different with all credit bureaus : Reported as collection, charge off and write off/profit loss Inaccurate balance amount is reporting to 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: CURO Intermediate Holdings
State: MS

Complaint narrative:
Please see documentation attached. I have tried to get this dispute solved/corrected and remedied. The company, AD ASTRA RECOVERY SERVICES INC, has ignored my efforts and left me with uncertainty and confusion. This is causing hardship to me and my ability to obtain credit because of their consistent reporting/furnishing of negative information to my credit reports ( XXXX, XXXX, XXXX XXXX ). I am giving the company an opportunity to cure and remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
RE : REFERENCE # XXXX In response to the Validation of Debt of Account # XXXX dated XXXX XXXX. 

Be advise that after a review of the documents that were sent it has been determined that Spring Oaks Capital LLC is in possession of my Non-Public Personal Information without my consent ( See Attached ). which violates ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) Drivers License Bank Account Info Pay Stubs Tax Info Spring Oaks Capital LLC is a Non-Affiliated Third Party. 

Spring Oaks Capital is using false, deceptive, or misleading representation or means in connection with the collection of this alleged debt. ( 15 U.S. Code 1692e - False or misleading representations ) Spring Oaks Capital is using false representations and deceptive means to attempt to collect this alleged debt. ( 15 U.S. Code 1692e ( 10 ) ) which states " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' Furthermore, there is no competent evidence that I have a legal obligation of this alleged debt. Additionally, Spring Oaks Capital LLC has not provided the required documents to prove that Spring Oaks Capital has the LEGAL right to collect and furnish this alleged debt. 

In the Validation letter that was sent to Spring Oaks Capital LLC the response was missing answers and/or documents to prove this allegation. The following questions and or requested documents were not answered or provided per my Validation Request ( See Attached ) 2. Agreement with your client that grants SPRING OAKS CAPITAL LLC the authority to collect this alleged debt. 

3. Signed agreement Debtor has made with SPRING OAKS CAPITAL LLC or other verifiable proof Debtor has a contractual obligation to pay SPRING OAKS CAPITAL LLC. Any agreement that bears the signature of Debtor, wherein agreed to pay SPRING OAKS CAPITAL LLC. 

7. Please provide the name and address of the bonding agent for SPRING OAKS CAPITAL LLC in case legal action becomes necessary : Authorized Signature of Creditor : ______________________ In my Validation letter you were put on notice that your Claim WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents pursuant to the Fair Debt Collection Act 12 CFR Part 1006.34 Your office has failed to properly respond to a validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately. 

Regards, XXXX XXXX XXXX : Consumer Finance Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: FL

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. 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. Please delete the items as soon as 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 explanation
Consumer complaint received 2022-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a statement of account for XXXX XXXX XXXX XXXX from Capital One. 
I dispute this debt and all claims contract according to 15 USC1692g. Validation of a debt. Also the account has been closed. I rebuttal the Capital One account because I do not owe this credit card statement and this is a true bill of commerce. Also Capital One has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please see documentation attached. I have tried to get this dispute solved/corrected and remedied. The company, XXXX XXXX XXXX XXXX XXXX, has ignored my efforts and left me with uncertainty and confusion. This is causing hardship to me and my ability to obtain credit because of their consistent reporting/furnishing of negative information to my credit reports ( XXXX, Transunion, XXXX XXXX ). I am giving the company an opportunity to cure and remedy this situation.

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 2022-11-06 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: MS

Complaint narrative:
Please see documentation attached. I have tried to get this dispute solved/corrected and remedied. The company, XXXX XXXX XXXX XXXX XXXX, has ignored my efforts and left me with uncertainty and confusion. This is causing hardship to me and my ability to obtain credit because of their consistent reporting/furnishing of negative information to my credit reports ( XXXX, XXXX, XXXX Experian ). I am giving the company an opportunity to cure and remedy this situation.

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 2022-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: KY

Complaint narrative:
Credit karma said I had cards approved to help my credit I applied and the kept hitting my credit report, and then denied,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2022 I wrote a check and mailed it XXXX XXXX, the apartment complex I moved from. The following day the check was cashed via mobile deposit. A few days later, XXXX, a fraud XXXX at XXXX & XXXX XXXX called and stated that she felt my check was fraudulently cashed and I should contact my bank, Wells Fargo, to start a claim. She was going to investigate matters on her end also. I immediately called them to start the process. On XX/XX/2022 I received a letter via mail stating they would investigate the matter, reach out to me with any additional information needed, and this process would take 90 to 120 days. That was the last I heard from them. After 90 days had passed and I called and was told I needed to wait the 120 days before I could get an answer. After 120 days I called again, as I hadn't heard anything from them, and was again told I needed to wait. I then began calling weekly for updates, each time being told that the 90 to 120 days is a general time frame and they were waiting for XXXX & XXXX to return the funds. I went into a local branch of Wells Fargo and had a employee help me look into matters and started a complaint with the bank. This also led to no resolution or my money being returned. I did receive a call from a customer service XXXX. She suggested I contact XXXX & XXXX and discuss with them why they haven't returned my money they fraudulently gave to another person. I contacted XXXX numerous times and she failed to return my calls concerning my money. At this point I went into a local branch of XXXX & XXXX to speak to the branch XXXX for additional help. He also tried to reach out to XXXX with no answer from her, again. Both bankers I spoke with told me it shouldn't take more than 10 days to resolve a matter like this. My concern now is that there may be a time limit on how long it takes them to return my money and they will no longer be responsible to get it back to me. I've had to pay this money twice. {$1400.00} dollars may not be a lot to the banks, but it is to me. 
I'm hoping you can help me resolve this or point me in the right direction. I'm only getting the run-around from both of these banks. 
I look forward to hearing from you. Thank you, in advance, for your help.

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 2022-11-06 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 A section section : it also states a consumer reporting agency can not furnish a account without my written instructions. AccountsXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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