vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
Email : XXXX XXXX : XXXX XXXX Denied case number : There's no case number, but a screenshot is provided. 
- Merchant name : " Not Available '' - Transaction Date : XX/XX/2023 - Transaction Amount : {$1600.00} - Reason for dispute : Unauthorized Charge during off-site physical therapy. 

- Date you submitted the dispute to us : XX/XX/2023 ( No response ) & XX/XX/2023 After requesting documents of how Cash App came to the conclusion to deny my unauthorized claim I simply received a screenshot of the charge. Yes, I am serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX 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.

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 2023-06-21 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX 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.

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 2023-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
In XXXX I received an auto loan from Wells Fargo in which they mishandled the payments I was making and not reporting to the credit bureaus from XX/XX/XXXX - XX/XX/XXXX. Also, they gave me a XXXX XXXX XXXX that had multiple recalls due to a number of serious problems such as engine stall, under hood fires, and overheating due to oil consumption, as well as abnormal sounds coming from the engine. While Im possession of the vehicle, I was in an accident due to one of the recalls ; vehicle stopped ( engine stalling ) while overheating and was then hit by another driver who failed to look towards my direction. Also Wells Fargo illegally repossessed my car after I agreed to allow a dealership to diagnose my car due to an extended warranty that I was unaware of. The event happened on XX/XX/XXXX. I never saw my car since

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 2023-06-21 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-06-21 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: NY

Complaint narrative:
On XX/XX/2022 someone stole my identity to receive emergency services at XXXX XXXX XXXX XXXX account number XXXX. I have notified all parties that was medical fraud. But they can continue to harass me. Wakefield and associates also XXXX XXXX  lol llc. I have never been to Arizona in my life. I have always lived in New York XXXX. The original address used at XXXX XXXX  was torn down 10 years ago. The original creditor did not do there due diligence to verify the correct identity of there patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2023, a bank check from XXXX XXXX in the amount {$15000.00} was sent by XXXX Overnight to Capital One to pay off my credit card account including interest. I HAVE DOCUMENTED RECEIPT OF THAT DELIVERY TO CAPITAL ONE at XXXX XXXX on XX/XX/XXXX in XXXX NC. The receiving employee has signed for that check. 
I began calling Capital One on XX/XX/XXXX to question why it was not yet applied to my account. They responded that they had " no record of that check '' although I sent them a copy of that signed receipt. 
They continued to charge me interest. 
After waiting 30 days, XXXX XXXX stopped payment of that check and issued a second check which WAS received and credited to my account. 
To this day, the interest has compounded and they have not acknowledged that indeed, they lost my first check at their facility, which I have proof of. 
Documentation was mailed to their dispute center and on XXXX, we received a letter stating that there was no error on the part of Capital One. Interest compounding continued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a Capital One Spark Business credit card since early XXXX and accumulate over XXXX miles on the account. But since the pandemic our business slowed down and I have not been using the account and haven't received account statements regularly since last year. Then they billed me a annual membership fee of {$99.00} XX/XX/XXXX or XX/XX/XXXX but with the USPS service being unreliable, I didn't received the statements, e mail notice or text message notifying me about the account being delinquent or past due. Then I received a statement closing on XX/XX/XXXX ( XXXX XXXX XXXX ) saying that I have a balance of {$180.00} ( with late fees and interest to double the amount of the annual fee ) and I have until XX/XX/XXXX to pay the amount. When I got the statement on XX/XX/XXXX, I log onto my account online and called Capital One bank immediately and noticed they have credited all my account balance on XX/XX/XXXX and closed my account and told me that all my 310000+ miles are forfeited with the closing of the account. I felt like they did not stand by their statement to give me a chance to pay off the account and closed my account even before I received my statement was mainly wanting to cheat me of all my miles accumulated which is absolutely unfair to me as a consumer. They made money from what I have spent over the years over {$200000.00} then intentionally closed my account and made me forfeited all my miles. I tried to request the reopening of my account, but they refused and just engulfed and forfeited my benefits that I have earned over the years. Plus they didn't stand by their statement to let me pay off the balance before the due date, at which time I have over 20 days to pay them off, a blatant abusive act of cancelling and cheating me of my miles. That's why I have to file this complaint and if possible I will take legal action in small claim court, hope your bureau can help me to get my benefit back. This also hurt my credit score for a few months which was unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recovery keeps calling me but never leaves a message about why they are calling. They call from various numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-06-21 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: FL

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.

The letters are stated with items and issues.

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 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 non-monetary relief
Consumer complaint received 2023-06-21 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: MA

Complaint narrative:
I got a approved for a credit card through Prosper Marketplace - I ran it up, and do admit to owing what I had charged. Somehow I missed a payment and the charges added were what they were ( honestly don't remember )- I received several phone calls from them requesting payment - when I finally answered them it was the day before the next payment was due - the woman told me what I needed to pay in order for me to be brought current ( it was around {$170.00} ) - for which I immediately made payment online. I was under the impression this would bring me current to include the payment that was due ( the next day )- well, I learned a month later after missing another payment that there was another hefty payment due - my issue is, they won't work with you. They are hard to understand on the phone many times- they call and call and call you, alot of times on piggy back phone numbers ( spam - other caller id 's ) and I got frustrated with them and stopped answering as what they were doing to me is very close to the definition of harrassment - THEY JUST KEPT ADDING FEES - At this point I refuse to deal with them unless there is another party involved- I believe CFPB is their regulator thus why I am reporting - believe me, they already reported this on my credit which of course have sent ripples to my credit scores.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: NY

Complaint narrative:
I have sent in three dispute letters to XXXX and all three credit reporting agencies ( XXXX, XXXX, and Experian dated XX/XX/23, XX/XX/23 and XX/XX/23. XXXX and XXXX have removed this account however Experian alleges they verified it and will not remove it. 

This account is not my account nor am I an authorized user on this account. 
The account is reporting open ; for whom? Who is the account holder? Who is the authorized user? 
XXXX had violated my rights reporting an account that is not mine. They also did not respond to me in over 90 days which, is a FCRA violation for FCRA requires disputed item to be validated within 30 days or removed. 
Due to the delay in removing this erroneous account, it is causing me a hardship and has my credit score lower than it should be.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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  I never applied for any of these items I called Equifax and told them. I also sent them a dispute along with a police report and they said that they couldn't do anything about them. the fraudulent inquiries are stopping me from obtaining things I need to progress in life for my family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: FL

Complaint narrative:
There are accounts on my consumer report thats is identity theft. I didnt provide written permission with a wet signature for them to be reported on my consumer report. I reached out to you recently to fix these! Im requesting that this info is blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint not being handled accordingly. I have not been able to puurchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-06-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 2023-06-21 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: GA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
my father died. We did not know there was a second mortgage on the house. We sent the Affidavit of Succession to the first mortgage servicer. No problem. They accepted our documentation and we are paying the mortgage. I sent {$2000.00} to Rushmore Loan. The debt was only {$350000.00} then {$4300.00}. They cashed the check but it was not credited to the account. The are charging interest and other charges to the account. for some unknown reason, they sent me a refund of the {$2000.00} for the payment I sent. I endorsed the check and then they stopped payment and the bank charged me {$25.00}. I do not know what is going on with this servicer. They are making it hard for me to pay this account. They are making it so that the loan of about {$3000.00} or less is ballooning to an unaccountable amount. They are violating a lot of laws

Company response to consumer: Closed with explanation