vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Good afternoon, I mailed my landlord a check, # XXXX, in the amount of XXXX in XXXX. This was cashed XX/XX/XXXX. This check was stolen from the mail and fraudulent cashed. I have been in contact with my bank CAPITAL ONE, FOR THE PAST TWO MONTHS. This unfortunate engagement of them commenced on XX/XX/23. I have spoken to NINE customer Service reps, one manager and one Supervisor. NO ONE has been able to resolve my issue, yet shuffled me from person to person. In the past two weeks, I have been LIED TO and told all I needed to do was fill out an Affidavit and submit to the investigator in order to be reimbursed my funds. The manger I spoke to ID number is XXXX and most recently the supervisor I spoke to is named XXXX. They READILY ADMITTED that it was Fraud yet they state the investigator has closed the case and is not seeking any info from me suggesting I was scammed. I WAS NOT SCAMMED. THIS WAS MONEY MUCH NEEDED TO PAY MY RENT THAT WAS STOLEN FROM ME AND MY FAMILY. This has been an EXTREMELY FRUSTRATING, ANGERING, DEMORIALIZING experience clearly exhibiting CAPITAL ONES LACK of concern or care for their customers and their families. I have been a longtime, good customer with a sizeable checking account yet they have shown that means nothing to them. THEY HAVE CAUSED UNDUE STRESS on me and my family, all of which undeserved and indicative of an intuition whose action, and lack thereof, has, at this point, shown them to be self serving. My case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: TX

Complaint narrative:
I have been misidentified with another individual with a nearly simile name. I was informed that this individual has a nearly similar name, Date Of Birth and SSN his information has been mixed up with mine bringing down my credit score. I went to file a dispute but my Transunion account was locked, I emailed Transunion support and they closed my case without helping me unlock 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 2023-03-15 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: IL

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 under 15 U.S.C. 1681 : XXXX XXXX # 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 2 : A consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Violations reported : FCRA 15 usc 1681i ( a ) FCRA 15 usc 1681e ( b ) FCRA 15 usc 1681 ( b ) ( 2 ) Experian has reported that XXXX XXXX XXXX XXXX XXXX is the original creditor which is not true XXXX XXXX XXXX is the Original creditor. Experian failed to sufficiently investigate and confirm how the items reported were deemed accurate. This account does not match my personal information, this account is reporting as a collection account with a ongoing balance that is increasing. This is a FCRA and FPDA violation. Verify by speaking directly to the original Creditor ( XXXX XXXXXXXX XXXX  ) not XXXX XXXX XXXX ( third party ). This account has also been reset to XXXX, this is a violation has this account was not opened in XXXX. Have XXXX XXXXXXXX XXXX verify or delete this account. This item is being reported beyond statue of limitations according to the state of texas.

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 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I received money thru cash app from someone I know I sent the money to my XXXX XXXX checking account. The next morning in my XXXX account it said reversed. I confirmed with XXXX XXXX that it was reversed. The next day it shows that the money did post to my account but in between all that XXXX XXXX told me to dispute the money. They didnt tell me that dispute means theyd deduct the money from this person account. I figured they would research why it said reversed if it wasnt. So when I told them to close the dispute theyd already reached out to cashapp who then deducted {$300.00} back out of this person account. Long story short I cancelled the dispute XXXX deducted the {$300.00} out of my account and have sent this info to cashapp who say they never received notification that the dispute was cancelled. Ive called 1000 times Ive chat with them online which is useless Ive spoken with XXXX numerous times snd they sent a letter confirming the dispute was closed. Ive sent this letter to cash app 3 times and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
Hello CFPB to whom it may concern, Somebody stole my {$3400.00} starting from XXXX to today XX/XX/2023 out of my account when I was sleeping plus they stole and I have just notified my bank requesting chargeback from all those transactions somebody hacked my identity guys please help me get my funds CFPB. I barely use that account I checked my email and noticed and contacted the bank asap they had shut the card down and promised to me that I would receive a provisional credit but every time they deny it every time 5 days before the provisional credits its like Chime not trying to help me recover my stolen funds and keep telling me no error occurred and an error did so to me its starting to look like an inside job with their Chime organization, they stole all my money out my account I want my money returned asap guys please help! I already notified my bank to hold that transactions All together they have took {$3400.00} in total and Chime even told me to provide documentation including police reports and etc and I did and they said again today for the second time that no error occurred based on my dispute and I havent even been out the house or been to XXXX New Jersey, which the fraudulent transactions came from I reside in XXXX Michigan and not New Jersey the charges are back to back unauthorized transactions which is obviously fraud I never even been there and whoever hacked my account and stolen my money isnt cool based on hackers and I looked on the internet its a lot of people experiencing fraudulent unauthorized transactions within their chime bank accounts which is currently looking like an inside job within their institution I saw random people on XXXX talking about this and the same error messages that chime had sent to them. They also said that chime eventually paid them their money when they went over someone higher over them. I just want my stolen funds back to I can pay rent and eat again. This is very frustrating to me that this have happened. I am providing the email they they sent me in the parentheses ( This letter is to inform you that we have made a final determination regarding the claim referenced above. 
Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 
You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 
Sincerely, Chime Disputes Team )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
On XX/XX/2023, I mailed a letter to Consumer Adjustment via USPS mail, requesting documentation about account number XXXX because I was trying to verify if the account had actually been re-aged. 

To this date, I have not received any mail in return about the account and I do not know how to go about getting the details. To my knowledge, this account is inaccurate and older than 8 years and should no longer be reported unless this company has re-aged the debt to collect and report a balance that I do not recall. But without the documentation, I am at a loss. 

Consumer Adjustment is willingly violating my rights by ignoring my request and possibly violating my rights again by re-aging this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: PA

Complaint narrative:
Fraudulent Account appearing on credit report. 


XXXX. XXXX XXXX XXXX {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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:
Fraudulent Account appearing on credit report. 


XXXX. XXXX XXXX XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: NY

Complaint narrative:
INCORRECT INFORMATION IN MY REPORT. ACCOUNTS : XXXX {$14000.00}. XXXX {$11000.00}. XXXX XXXX XXXXXXXX {$11000.00}. XXXXXXXX XXXX XXXX  {$800.00}. XXXX XXXX {$800.00}. XXXX XXXX {$11000.00}. XXXXXXXX XXXX {$4800.00}. XXXXXXXX XXXX {$3000.00}. XXXX {$6200.00}. XXXX {$900.00}. XXXX XXXX {$16000.00}. XXXXXXXX XXXX $ XXXX XXXX {$7500.00}. XXXX XXXX XXXX {$800.00}. XXXX XXXX XXXX {$5900.00}. XXXX XXXX {$300.00}. XXXX XXXX {$76.00}. ADDRESSES : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
went to buy a car and got about 100 inquiries from a dealership

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 2023-03-16 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: PA

Complaint narrative:
Fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXX XXXX  {$620.00} XXXX. XXXX XXXX {$620.00} XXXX. Pa Child Support XXXX {$1100.00} XXXX. XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 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:
Fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXXXXXX XXXX  {$620.00} XXXX. XXXX XXXX {$620.00} XXXX. Pa Child Support XXXX {$1100.00} XXXX. XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I took a small loan from MoneyLion. As I pay back, I've earned something called XXXX. Right now, I'm eligible for {$250.00}. I need to add my debit card that's also associated with my checking account, which they already have. Every time I try to add my debit card to the My Wallet feature, I get a message saying that my bank is declining my debit card. They are not. They've relaxed my card & put a merchant release on it as well. They keep suggesting getting another debit card ( my bank will not issue me a second card for the same account ) or open their XXXX XXXX accounts & do direct deposit with them. I have been with my bank for XXXX XXXX & not about to change it. There was one day last week where my card was accepted. The next step was to upload a photo ID & when I did, they said I needed to do it again. But ... ..my debit card had to be deleted from My Wallet & entered all over again. Guess what? Back to square one. This whole thing is like dangling a carrot in front of a horse but not letting the horse have it. There's {$250.00} I'm able to have but unable to access. There has been one person there who has been trying to help me, but I'm at my wit 's end. I'm paying the loan, they're charging me a monthly fee but unable to add my debit card to my account..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have previously disputed the account with XXXX XXXX XXXX XXXX, XXXX, and Experian stating the account is being reported inaccurate. The account is being reported past due, but the account was closed on XX/XX/2023. Per the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 section 623 subsections ( 7 ) ( A ) ( i ), I am to be notified, in writing, of the furnishing of negative information to the consumer reporting agencies by the financial institution. XXXX XXXX XXXX XXXX did not provided me, in writing, the notice of furnishing negative information to the consumer reporting agencies before or 30-days prior to furnishing the information. I have ask XXXX and Experian to investigate this issue but the consumer reporting agencies have failed to do so. The account is not past due and no writing noticed of past due account was sent to my home address. My home address is shown on my credit report and is shown in the attached document provided.

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 2023-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am a victim of identity theft in which it has resulted in multiple accounts of different varieties has been opened in my name. I have been reporting this information to XXXX, XXXX, XXXX on numerous occasions. They each have failed to investigate this matter properly. I sent in a 609 letter requested that all items be removed and yet these items still remain on my credit report. All items have been reported to the FTC as well. I have sent in my ID SSN and also letters requesting to remove incorrect information off my correct. My rights are being violating by XXXX, XXXX, XXXX and Im in the process of seeking litigations. There are multiple inquires wrong names and address and fraudulent accounts located on the credit reports. I was also told that there is another account from another person with a similar name who's information was merged with my account. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
This debt was submitted for collections without proof of debt owed. The company was contacted phone and could not verify or provide any proof. It was then agreed that the debt would be satisfied after speaking to the companys alleged lawyer. However the account remains on my credit report after I have been garnished for an unverified debt that has since been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: AZ

Complaint narrative:
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C S1028A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: AZ

Complaint narrative:
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/21 My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C S1028A

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 2023-03-15 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: TX

Complaint narrative:
I have been misidentified with another individual with a nearly simile name. I was informed that this individual has a nearly similar name, Date Of Birth and SSN his information has been mixed up with mine bringing down my credit score. I went to file a dispute but my XXXX account was locked, I emailed XXXX support and they closed my case without helping me unlock my account.

Company response to consumer: Closed with explanation