vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TapTap Send Inc.
State: ID

Complaint narrative:
On XX/XX/2023, I used the taptap send app to send an amount of {$1300.00} to a XXXX account ( Gtbank account no : XXXX Account name : XXXX XXXX XXXX to deposit XXXX XXXX  into the account base on the rate of {$1.00} to XXXX naira. 

The money was debited from my chase account with debit card ending XXXX but the money was not delivered to the destination account. I sent a mail to XXXX to complain and i was told that the issue will be resolved within seven business days. However, the matter wasn't resolved and after several calls, taptap send replied with a mail on XX/XX/2023 that the money have been successfully delivered with a receipt bearing that the money was deposited by fincra on behalf of taptap send. I replied with account statement of the recipient and evidence from the bank ( XXXX ) stating that the transaction by fincra was not successful. 
since then i have been calling taptap send and they have not been giving me any satisfactory answer except that they are still working on it transaction ID : XXXX Attachments are in this order account statement of recipient for XXXX and XXXX, receipt sent to me for deposit by fincra and evidence from recipient bank that the transaction wasn't successful because of no response from fincra and lastly receipt from taptap send when they debited my account feel free to contact me for any clarification Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute an erroneous entry on my credit report, which has been reported by Credit Collection. According to my credit report, there is an outstanding debt of {$86.00} associated with my name. I would like to bring to your attention that I have never had any business dealings with Credit Collection, and this account does not belong to me. This incorrect reporting has negatively impacted my credit score and is a direct violation of the Fair Credit Reporting Act ( FCRA ). I request that you take immediate action to rectify this situation in accordance with the FCRA guidelines.

I hereby demand the following actions be taken within three ( 3 ) business days from the date of this letter : I request that the erroneous account be removed from my credit report promptly. Please notify all credit reporting agencies to delete this inaccurate information. Provide legal proof that I have entered into a business relationship with Credit Collection. This may include contracts, signed agreements, or any other relevant documentation substantiating the validity of this alleged debt. 

Failure to comply with this request within the stipulated time frame will leave me with no option but to escalate this matter. I am fully prepared to take legal action in my local small claims court to seek damages for the harm caused to my creditworthiness and any associated costs incurred due to this error. I have also kept a record of all correspondence related to this matter, including this letter. Please consider this letter as a formal notice under the FCRA, and provide me with written confirmation once the erroneous entry has been removed from my credit report. 

I kindly request that you treat this matter with the utmost urgency and provide me with a timely resolution. I have attached my police report to this letter, I am demanding that you remove this account from my credit report as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 this consumer sent a certified letter informng Equifax that the compamy was indeed out of XXXX XXXX compliance. In addition they are furnishing false information. I sent the letter accompanied with a copy of my Identification and a copy of my eletric bill. I have my green receit proving this. I recently received a responce from Equifax requesting a copy of my identification and a copy of proof of m address! Equifax is stalling, while this company stalls my life is being negativly affected byt their false reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunbit, Inc.
State: TX

Complaint narrative:
I open an installment account with sunlit and I was not instructed properly about payments schedule and my mail got to me late and caused me to make a late payment I try to get it removed or work something out with the company after I made that mistake auto payments have stated and I have not made any late payments. I request that late payment to be removed since is affecting my credit tremendously and I am a single mother trying to get better housing for me and my kids but due to my credit score reporting a late payment been very difficult

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
i have called this company several times ( XXXX ) about the loan that was open when i locked i was locked up in jail from XX/XX/XXXX till XXXX of XXXX i have filed police report and sent proof and done a ftc report XXXX and XXXX are failing to anything about the negative fraud accounts reporting to my credit thes loans was taking out round the same time these are causeing hardship to life and impacting me in ways that making it hard to recover from

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One advertises a {$200.00} new cardmember bonus if you applied and qualified for their XXXX XXXXXXXX credit card requiring excellent credit. I did that ( my credit score is XXXX, according to CapitalOne CreditWise ) and the card was approved on XX/XX/2023. After I fulfilled the {$500.00} spend on XX/XX/XXXX ( within the XXXX 3 months ) they refused to provide the advertised {$200.00} credit saying the card I applied for on their website did not offer the bonus. Case # XXXX was created by XXXX XXXX XXXX ) to research this. On XX/XX/XXXX I received an email from CaptialOne that stated, " We have reviewed your request to be awarded a bonus and found that your account does not qualify based on the terms of the product for which you applied. '' On XX/XX/XXXX I was told the Capital One phone supervisor XXXX that their computer system had a glitch and had me apply for another version of the XXXX XXXX Card that doesn't require excellent credit. However, the website where I applied stated " Credit Level Excellent '' below the card image. See : XXXX : XXXX After I was pre-approved, the webpage and email stated I'd receive the new card within a few business days which I did. No notice that card did not have the advertised {$200.00} new cardmember bonus attached to it. 

No replies from Capital One to any of my emails or voiced complaint about their website glitch : apply for card with excellent credit but get approved for a card which doesn't require excellent credit and doesn't have {$200.00} new card member bonus. 
Please refer to uploaded doc which is contains all relevant emails. 
Copy/paste of last email sent : On Sat, XX/XX/2023 at XXXX XXXX XXXX XXXX wrote : Case # XXXX Please post the ADVERTISED {$200.00} rewards credit to my XXXX  XXXX cardending in XXXXand confirm via email. Kindly read previously sent email ( below ) for which there was no reply CFPBXXXX XXXX, FTC and socialmedia complaints in progress and will be filed on Monday XX/XX/2023 Thanks for your consideration XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/23 at my restaurant my employee keyed in a transaction for XXXX in error. The correct amount was supposed to be for XXXX plus tip. The transaction was processed and the cardholder was assessed the charge for XXXX. The cardholder then disputed the transaction and was awarded the refund. The problem is the transaction fees that were paid to Elavon were not returned the the merchant ( XXXX XXXX XXXX of XXXX XXXX ) the fees totaled XXXX dollars for the month and shouldve been around XXXX dollars. When he reached out to Elavon they said they couldnt give him a refund because the money was already sent to visa and they would not be able to dispute despite the amount they were charged being incorrect.

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 2023-10-17 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX ( 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 : It also states a consumer reporting agency can not furnish an account without my written permissions and 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 explanation
Consumer complaint received 2023-10-17 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: OH

Complaint narrative:
I have unauthorized inquiries on my credit report and need them to be removed immediately by law. The FRCA states any unauthorized information or fraud needs to be deleted. These are the inquiries. 

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 XXXX3

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I received my consumer report and was shocked to see that information on my Report was incorrect I didnt give anyone permission to run my credit so I contacted my bank to freeze all my accounts until further notice

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX 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 : It also states 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 of 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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/XXXX i received a notification on XXXX XXXX that i had a new hard inquiry on my credit account. Immediately after, i received an email from Capitol One Credit Card Company that I had been approved for a Platinum Credit Card with a {$2000.00} limit. I immediately called the Capitol One Fraud Department and reported it as fraud. They said they would mark it as fraud and close the account. 

On XX/XX/XXXX I called both XXXX and XXXX to report the hard inquiry as fraud. They both told me to submit an FTC Report and send the report to them, only then they would be able to get to work to remove the hard inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX purchased a vanilla Visa gift card in the amount of {$470.00}. Called XXXX and activated the card. 
Attempted to use the card after I activated it on my apartments website and it wouldn't work. Called back and was told my card was locked. I asked them to unlock it because this was my rent money and asked for the supervisor. Was then transferred to someone who unlocked my card. I then had to go to work. The next day i went online to check my balance and there was a transaction for {$460.00} made that wasn't me and I had a balance of {$0.00}. There was another transaction that was pending from XXXX. I called them and got the lady to tell me the shipping city attached to my card numbers was XXXX which is XXXX, Kansas..2 and a half hours away from me. ( I did not make any purchases and was at work at the time these purchases were made ) Called vanilla customer care to report the numbers have been stolen and was given case # XXXX and that I would receive a packet from vanilla and that after filling it out, send it back and then it would take 45-90 to resolve my case. ( Have not recieved anything yet ) XX/XX/XXXX filed a complaint with tbe FTC, XXXX XXXX XXXXXXXX Went to XXXX the place I purchased the card from and was told by management and corporate to make a police report as well. I contacted the XXXX Missouri Police Department and filed a police report. That police report number is # XXXX. XXXX XXXX, XXXX, took the report. Also filled out a XXXX complaint too. 
Called Vanilla back to update my case with the other 2 filings I made. Waiting for any kind of communication or whether this " packet '' actually arrives in the mail. 
XX/XX/XXXX, filed a complaint with the FBI Internet Crime department as well. I have all the proof needed to answer any questions you may have for me. I was almost evicted because of this entire issue and it never should have happened to begin with. Im also out an additional {$70.00} in late fees from being late to pay rent for XXXX and i missed 2 days of work to file all these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX  account # 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... It also states a consumer reporting agency can not furnish an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023, I walked into the Citi branch on XXXX XXXXXXXX XXXX XXXX, NY XXXX to open a business checking account since there is a promotion for {$700.00} for new accounts. XXXX " XXXX '' XXXX was the business manager who helped open my account. She got various pieces of information wrong about the business as well as my personal information like social security number. The whole process was very disorganized. 

After account opening, I got an email on XX/XX/XXXX from XXXX saying backoffice needs more information, like a copy of my social security card. I immediately sent it back to her. Then she forwarded me more questions that back office had for her, like what kind of assets the account will own, where the funds are coming in. I gave her the information again. On XX/XX/2023, i asked for a status update on the account. No response from her. 

Same day i got an email from her saying the account was opened and gave me a few secure files containing my account number and information about the account. She assured me the ATM card will arrive next week. 

On XX/XX/2023, I deposited a check for XXXX USD to my account in branch at the XXXX XXXX branch in XXXX XXXX Received a receipt. 

On XX/XX/2023, I received my debit card but the name and business on the debit card was truncated. I could not activate my debit card with either my SSN or account number, so i emailed XXXX XXXX again. No response from her. She later asked me to call the fraud department which i did and the fraud department said my account is blocked because the business address is not the same as my personal address. Fraud department said my account will be closed in 30-60days. 

XX/XX/2023, XXXX XXXX said the fraud department said that there's no proof I own the XXXX, something which i have already provided documentation for previously with ownership documentations. So i resent it. On XX/XX/2023, I asked for a status update and no response from her. 

On XX/XX/2023, I resent a documented letter from my XXXX agent that proves I am the owner of the XXXX and resent it to her for reconsideration. No response from her. 

I called the fraud department again and they said my account has already been closed XX/XX/2023 and the money will be sent back to me by mail to the address listed after 30-45 calendar days from account close date. 

I waited until XX/XX/2023 to call the fraud department to check the status of my check return. They said that the amount on the account is not due to me anymore and to get back the funds I will need to tell my check issuing bank to file a claim. 

I called Citi 's executive response unit for advice regarding the account and have no received any information on how to receive my check.

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 monetary relief