vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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: U.S. BANCORP
State: CA

Complaint narrative:
I am disputing charges on my US bank credit card and debit card. 

I followed the appropriate channels and have even contacted the merchant to try to resolve the dispute with them directly. I am disputing the charges on my card for two reasons : one the services were not fully rendered and secondly for bad service. 

I provided all the documentation to US Bank to show that they did not perform half of the services in the package and included the email correspondence to show that I have tried working with the merchant to get a refund.

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 2022-09-22 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: OH

Complaint narrative:
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX*** Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: OH

Complaint narrative:
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : 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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared on my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-09-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared on my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-09-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I need your help in correcting a bogus XXXX XXXX bill that is negatively impacting my credit. 

I received an alert on my phone that my XXXX credit score had dropped by nearly 50 points. I then checked my XXXX credit report and noticed that Frontline Asset Strategies Collections agency placed a XXXX XXXX bill to my account in error in the amount of XXXX dollars. 

So, I called and informed the Frontline Asset Strategies call representative that I paid my final XXXX  bill in XX/XX/2021 in store in the amount of {$90.00}, at which time my account with XXXX was closed and phone number was transferred to another provider. 

The call representative said my address is XXXX XXXX XXXX XXXX which is not a place where I have ever lived or resided. 

I have contacted XXXX who expressed my account shows a XXXX balance, this is an error and is a signficant concern. 

I have an excellent payment history and do not owe XXXX as my final payment was made to them on XX/XX/2021. 

Thank you for the amazing work you do each day!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I deleted my old bank account from my cashapp account. I manually added my new account. 

I cashed out {$540.00} and when i checked it said My old bank name. I always cash out to my bank! 
I contacted Cashapp they told me the bank account i added was not supported so they sent it to my old debit card. 

I was never PROMPTED or giving the OPTION to choose where I want my money to cash out too. I was never told that the new bank account was not supported. 

THIS IS A BIG ISSUE! The " Cash Out '' process is MISLEADING AND CONFUSING!! 

I received a call XXXX from this number XXXX the XXXX person got smart with me and refused to give up her name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, Dept of Ed/XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that 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

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 2022-09-22 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:
I have been trying to get all three credit bureaus ( XXXX ) ( XXXX ) ( Equifax ) to take these four things off my credit report. I have been trying for years for them to remove these items ; ( XXXX ), XXXX XXXX XXXX Account Number... XXXX XXXX  XXXX XXXX Outstanding Balance* ... {$0.00} US Department of Education XXXX XXXX I need these to be removed off my credit report so I can purchased a home. They are talking about giving me a high interest rate. They will change it once I get these things removed. I want to purchase a home and this is what I need removed. I hope we can rectify this problem right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 been trying to get all three credit bureaus ( XXXX ) ( Experian ) ( XXXX ) to take these XXXX things off my credit report. I have been trying for years for them to remove these items ; ( XXXX ), XXXX XXXX XXXX Account Number... XXXX XXXX XXXX XXXX Outstanding Balance* ... {$0.00} US Department of Education XXXX XXXX I need these to be removed off my credit report so I can purchased a home. They are talking about giving me a high interest rate. They will change it once I get these things removed. I want to purchase a home and this is what I need removed. I hope we can rectify this problem right away!

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 2022-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have been contacted multiple time via phone call from this company regarding a debt they are trying to collect. I notified IC systems Inc. to no longer contact me through phone call but to contact me and validate the debt via mail they have failed to validate the debt it has been over five days since they have sent return receipt. And they just updated the collection to a chargoff when I notified them this is obscene profanity language being used and they are harassing me causing my anxiety to spike which leads to XXXX. I am trying to rent a home and this adverse information is causing my pain and suffering

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 2022-09-22 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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 15 USC1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agencymay make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 r4easonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I received a notification from XXXX XXXX about opening a new credit card that I know I didnt applied for, the account was opened as of XX/XX/XXXX and received the notification on XX/XX/XXXX. I called the credit card and filed a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
I bought {$100.00} XXXX gift card from local grocery store and couldnt redeem the card as error shown card is not activated yet. I went to the store and figured out that the card inside its packaging has different numbers from what shown on the paper packaging. So the card inside the paper cover is not the original card, someone switched cards. The paper packaging is easy to open without damaging to paper, so I guess someone exchanged the cards and glued back the packaging. The card I got is not activated, Im not sure the actual card that I scan the barcode and paid for got used or not. The store I purchased from couldnt help me with this and told me to contact their gift card department, I called, they told me to go to store or call XXXX instead. Who can help me here?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: TN

Complaint narrative:
I called today to find out what the interest rate was because I have made extra payments on this account and most of my money keeps going to interest instead of additional principal payments like I expected them to.They told me it was 12.5 % but while I was looking online I saw it was 14.99 %. He also explained that the interest was compounded daily which I did not expect either. I told him that I never received a copy of my loan documents and he stated he would send them out again via email but it would take 1-3 business days. I should have received these documents at the start of the loan, but did not. I have paid over a XXXX dollars to the loan and my original balance was {$8400.00} and now they are saying it is {$7900.00} which means I have paid over {$600.00} in interest and I have only had the loan since April. that is a {$100.00} a month almost in interest. This seems to be predatory lending to me. Can you help me make a settlement with them so I can go ahead and pay it off at a lower rate, or change to simple interest? I need some help. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Amount of debt : Date of Service : Provider of Service : XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX ran by XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORR INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PRO COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedia The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Amount of debt : Date of Service : Provider of Service : XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX ran by XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORR INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PRO COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedia The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX XXXX XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely 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 2022-09-22 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: TN

Complaint narrative:
My personal information has been exposed by mutable Companies starting in XXXX by XXXX. In XXXX I received a letter from the IRS that someone was using my identity to file their taxes. In XXXX I was notified by a XXXX insurance billing company called XXXX that has sold my information to the Dark Web. In XXXX XXXX XXXX notified Me that my identity was exposed in a data breach. In XXXX XXXX Tennessee XXXX XXXX notified Me that my identity was exposed in their data breach. In XXXX a company XXXX XXXX services notified Me that it's computer servers were hacked and that my identity was involved. I have tried to get the credit bureaus to take this matter serious because it has ruined my name and my Credit. Prior to XXXX my credit was very good. Anyone can see the trend on my report. I have had problems with the credit bureaus with the correct spelling of my name. I have had trouble with them reporting inaccurate addresses. Even my work history was not correct. I have worked most of my life in high Management. Not as a Babysitter. I have only Two different addresses in 25 years. I opened my bank account in XXXX. I am a very stable person with a very good monthly income. My credit has been checked so many times I have lost count. I have been trying to purchase my XXXX XXXX XXXX XXXX XXXX but the wrong information is being reported on me. At one time You didn't know what my 3 credit cards were. My loan you report but you don't know what it is. I am requesting my credit report to be corrected. Over Two I have reported this to You and You do nothing.

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