vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I sent money to XXXX  through cash app for a puppy. She said she was a registered breeder and sent me pictures of her through XXXX XXXX with said license. She told me that the puppy was XXXX dollars including delivery I said ok. I sent XXXX XXXX through cash app twice on XX/XX/XXXX and thought my puppy would be delivered that afternoon. It wasn't she then proceeds to tell me I have to send her another XXXX for the crate and vaccine I said I can't afford that and she then tried to make me feel bad saying I don't care about the puppy so I tried to send it cash app stopped it saying it was fraudulent charge so I didn't continue with this I then said to cancel the order and asked for my money back she kept saying she doesn't have it she spent it already XXXX pleaded with her over and over about a refund she blatantly refused to give me a refund after canceling the order and now is trying to say I am abandoned the puppy and can't take care of it after not sending her more money to get the dog back so on so I have tried to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and message her through email and called them multiple times to resolve this problem and haven't gotten no answer for this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I write to complain about XXXX XXXX XXXX credit card for willful and wanton violations if the FCRA for failing to report updated data to XXXX since XX/XX/XXXX despite the fact that so have made monthly payments monthly. My XXXX attached copy of my credit report dated XX/XX/XXXX inaccurately fails to include my payments for XXXX XXXX XXXX XXXX XXXX etc. XXXX last updated my file in XXXX and my report shows No Data Available monthly since XX/XX/XXXX as clearly evidenced from my report. Since I made monthly payments XXXX violated the FCRA by failing to mark 6 months of monthly payments. No Data Avsikabke is inaccurate and known to be inaccurate by XXXX and XXXX. Obviously, the date of last payment of XXXX  is inaccurate as future payments were never reported as required. The date of last activity of XX/XX/XXXX is also obviously inaccurate. XXXX has breached its obligations to report accurate and complete data therefore it no longer has a right to report data mandating permanent deletion of my account from every CRA and sn obligation if every CRA to block access to XXXX to insure permanent deletion is insured. It is too late to correct data so Permsnent deletion is required. I dispute all payment and incomplete data so, until the account is deleted, my XXXX account MUST include the permanent designation Of Account Disputed by Consumer and failure to mark account as disputed, even if XXXX disagrees, shall constitute additional willful FCRA violations which I claim now for {$1.00}? XXXX per violation.

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 2022-12-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I write to complain about XXXX XXXX XXXX  credit card for willful and wanton violations if the FCRA for failing to report updated data to Equifax since XX/XX/XXXX despite the fact that so have made monthly payments monthly. My Equifax attached copy of my credit report dated XX/XX/XXXX inaccurately fails to include my payments for XXXX XXXX XXXX XXXX XXXX etc. XXXX last updated my file in XXXX and my report shows No Data Available monthly since XX/XX/XXXX as clearly evidenced from my report. Since I made monthly payments XXXX violated the FCRA by failing to mark 6 months of monthly payments. No Data Avsikabke is inaccurate and known to be inaccurate by XXXX and Equifax. Obviously, the date of last payment of XXXX  is inaccurate as future payments were never reported as required. The date of last activity of XX/XX/XXXX is also obviously inaccurate. XXXX has breached its obligations to report accurate and complete data therefore it no longer has a right to report data mandating permanent deletion of my account from every CRA and sn obligation if every CRA to block access to XXXX to insure permanent deletion is insured. It is too late to correct data so Permsnent deletion is required. I dispute all payment and incomplete data so, until the account is deleted, my Comenity account MUST include the permanent designation Of Account Disputed by Consumer and failure to mark account as disputed, even if XXXX disagrees, shall constitute additional willful FCRA violations which I claim now for {$1.00}? XXXX per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: NC

Complaint narrative:
I HAVE REACHED OUT TO THE CREDIT AGENCY ABOUT AN ACCOUNT THAT DOESNT BELONGS TO ME AT ALL I NEVER APPLIED OR GAVE ANYONE PERMISSION TO ADD ME TOTHEIR ACCOUNT THAT THEY ARE NOT PAYING ON THIS ACCOUNT HAS RUINED MY CREDIT WE WERE IN THE MIDDLE OF BUYING A HOUSE NOW MY FAMILY IS LONGER ABLE TO PURCHASE NO MATTER WHAT I KEEP TELLING THESE PEOPLE AND MY POLICE REPORT DOESNT MEANS NOTHING BECAUSE A COMPANY CAN JUST TELL THEM IT BELONGS TO ME BECAUSE SOMEONE DOCU-SIGNED IT THATS NOT A REAL SINGING I DID NOT SIGN THAT SO IT OK FOR SOMEONE TO STEAL MY INFORMATION AND APPLY FOR CREDIT BUT IM TRYING TO HAVE IT REMOVE BUT YOU GUYS INSITS ITS MINES I DIDNT GIVE ANY COMPANY PERMISSION TO REPORT ON MY PERSONAL CREDIT REPORT AT ALL I HAVE REACHED OUT TO XXXX XXXX THEY TELL ME TO SEND EXPERIAN THE POLICE REPORT BUT YOU GUYS AINT DOING YA XXXX  JOB I NEED LEGAL ACTION ON EXPERIAN AND 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 2022-12-30 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX I applied for a loan from Wells Fargo. line of credit. They denied me. My consumer rights where violated. 15 USC 1692k, 15 USC 1691, 15 USC 1642. 15 USC 1681m and 12 cfr 1002 because I the consumer made a application in good faith but credit was not issued. furthermore because my ssn was used and I received no benefit this proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Wells Fargo. also by accepting my application they have created a fiduciary obligation for the trust, by not extending credit 18 USC 3333 XXXX XXXX XXXX XXXX, also by denying my application they violated the consumer bill of rights : Access to basic basic essential goods ands services. they are also in violation of! 2 usc code 1431. civil rights violations as well 42 USC 1983, 1985,1986,1988.

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 2022-12-30 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: TN

Complaint narrative:
The name " XXXX XXXX '' is appearing on my credit report. This is not me and never has been me. I have never went by this name and it is associated with identity theft and fraud.

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 2022-12-30 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: TN

Complaint narrative:
The name " XXXX XXXX '' is appearing on my credit report. This is not me and never has been me. I have never went by this name and it is associated with identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/XXXX XXXX  XXXX there is an inquiry for a credit which I did not authorize on XXXX, XXXX and Transunion XX/XX/XXXX there is a inquiry from XXXX that I did not authorize on 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 2022-12-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
My daughter XXXX XXXX, In XXXX XXXX XXXX made an online purchase for sneaker at XXXX XXXX XXXX with shop affirm payment option to pay every month. The company closed its door and never sent the order but took money from Affirm. XXXX Affirm took the XXXX payment of {$26.00}. in XXXX  has been trying to take payment every month. The company did not cancel the order or send the funds back to affirm I have called shop affirm about this issue and they stated its nothing tht they can do but I dont understand why do I need to pay for the order I didnt get. I looked the company up on the XXXX and they have a lot of complaints about them not sending the orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but it seems you've just ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Three charges were made on my account amounting up to {$270.00}. I called and reported them fraudulent and they were taken off my balance a few days later but the credit still has yet to appear. They told me an investigation is on going but it has been about a month now since and I have not recieved ANY communication about it. Everytime I call I get told they either have no information on it or can't tell me anything about it. It is like they are avoiding dealing with it and providing the credit back to me. They were already taken of my balance but they are holding the credit hostage for over a month with no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/22 I purchased a car from XXXX after 3 hours of driving the car the check the engine light came on so I contacted the dealership and was told that i purchased the car as is and would have to pay out of pocket to fix the car issue. I paid the dealership {$1000.00} to have the car fixed. The dealership then gave me the name of their mechanic XXXX XXXX. After leaving my car two days with the mechanic I was told my car has been fixed and to come pick it up. After two days of driving my car the check the engine light came back on. With several attempts to contact the dealership and mechanic I got the run around for an entire month with absolutely no help. So I had to take my car to XXXX to have the problem fixed which my bank can clearly see that transaction on my account. I contacted my bank XXXX XXXX to dispute the {$1000.00} I paid the dealership to have my car fixed I was told by XXXX XXXXl to submit my evidence and after review they would make a decision on refunding my {$1000.00}. So after review XXXX XXXX refunded the {$1000.00} to my account then a month later XXXXXXXX XXXX  took the {$1000.00} back and when I ask the reason why I was told they now want me to come up with even more evidence of what was already submitted to them which makes no sense they have more than enough evidence and the injustice of taking the {$1000.00} back a month later with no valid reason. 

Attachments below is evidence of ( 1 ) correspondence between me and the dealership and my ( 2 ) bank statement showing I had to go to XXXX to have the car issue fixed and pay out pocket again in almost the same amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
on XX/XX/15 i made a purchase at Kohls while out of town, I had Kohls cash due to expire that day, but not with me and the clerk could not find it on my account. she said i could contact customer service the next day when i was home and they would apply it for me. 
The next day i sent an email asking for them to credit my XXXX kohls cash and forwarded copy of receipt along with the details of trying to use it at store. I never heard anything. 
i contacted kohls via chat on XX/XX/XXXX spoke with ( XXXX XXXX ). I forwarded my receipt and kohls cash number and pin, explained to him what had happend and XXXX XXXX said he would manually take care of this and credit my account the {$20.00} and the taxes that would reduce with taking the XXXX off the bill. he said allow 7days for this to take place and he gave me the following reference number XXXX. 
I have since then received XXXX more statements. i have called the customer service number asking for help to resolve this and have been on hold for over XXXX hours total and now have late fees, finance charges and most disturbing been reported to the credit bureaus. during my calls with customer service i have tried to explain the situation to several different CSR 's and have asked to speak with a supervisor three different times. I was hung up on once and the last two times transferred to I assume a supervisor voice mail where i left my contact information and asked to be contacted and i have never heard back from them. I feel this is a XXXX  issue and now a FCRA issue with the reporting to credit bureaus. Can you please help me clear this up. I am amazed that all this has happened over {$20.00}. i have included my write up of conversations, copy of receipt and copy of kohls cash email. Please help. thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I attended school and loans were taken out to obtain my B.S. degree. However my loan balance original was XXXX. My loan balance increased by XXXX. Several calls and inquires were completed via phone call to reach out to loan service agents such as XXXX, XXXX, and now Aidvantage. I have also submitted certified documentation to each agency. Prior to this amount of XXXX being added to my account I spoke with a representative requesting that foreberances be witheld from being added to my account to determine the balance for which I owed to determine if I was approved for an Income driven Repayment plan. I found out in the year of 2021 I was approved for a Income driven Repayment plan. I was also told a Consolidation was completed by XXXX, and as my acount travel to the different agencies, each agency redirected a consolidation application being completed by a previous agency. I XXXX XXXX did not authorize a Consolidation application, nor completed any loan counseling for a Consolidation Application. 
Please see all of the needed dates and research completed provided within the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
USAA banks refuses to assist my elderly father in getting access to his bank account online. We have informed them several times that their request to send a code to the phone and email on the file will not work as my mother has changed his information to her personal email and phone. We have used their own system to try and recover the account but it did not work and does not say why. We have been trying for over a month to get assistance. On XX/XX/2023 we called and were informed our request for accommodation was denied and were refused the right to speak to a supervisor about out issue. They have been rude and staunchly refuse to even try a different method to assist us even when informed my father is elderly, does not currently have a computer, can not get their system to work and is XXXX due to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation