vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 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: LA

Complaint narrative:
I sent a letter on XX/XX/2022 asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
In accordance with the Fair Credit Reporting act 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, 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 According to 15 USC 1681i - Experian, XXXX, and XXXX  have 30 days to investigate and send me the results.

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.

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 2022-12-12 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX credit report inquiries without my consent. XX/XX/16 through XX/XX/XXXX as of XX/XX/XXXX were not my inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One XXXX XXXX credit card has a feature/benefit in which I am supposed to receive a {$200.00} credit for XXXX. I booked and paid for XXXX on XX/XX/XXXX - {$31.00}, XX/XX/XXXX - {$93.00} and {$74.00}. I contacted Capital One on XX/XX/XXXX because I wasn't credited and they said that I would receive the credit by the first week of XXXX. That date passed and I still don't have my {$200.00} XXXX  credit. Capital One needs to credit me back the {$200.00} that I earned for the XXXX  bookings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Transunion has allowed inaccuracies and unfair credit reporting methods, which has tarnished my confidence in the banking system. It is a fact according to 15 USC 1681 ( a ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating my credit worthiness, standing, and capacity. But due to the inaccurate reporting by Transunion my character and general reputation has been damaged. These inaccuracies have caused me pain and stress when it comes to my everyday life as a consumer.

Pursuant to 15 USC 1681 ( e ) I am demanding Transunion to do a proper investigation on the accounts listed below. I am demanding Transunion provide names of friends, neighbors, or my associates who have first hand knowledge of these accounts. If Transunion is unable to obtain the information I AM DEMANDING THAT THESE ACCOUNTS BE DELETED OFF MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these companies listed above are third party debt collectors who are in violation of the FDCPA, seeing that they never had my consent to do any business with me. 

I DEMAND Transunion to delete all inquiries off my consumer report. 

I DEMAND Transunion to delete all addresses besides XXXX XXXX XXXX XXXX, MI XXXX I DEMAND Transunion to delete all phone numbers besides XXXX. 

Because of these inaccuracies Transunion has made my life so stressful for finding a place of abode, applying for credit cards, and everything else that involves consumer credit. I am coming in good faith. Thank you

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 2022-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: ID

Complaint narrative:
I am dealing with this debt collector named " Receivables performance ''. I don't recognize the debt so i asked them for a debt validation letter many times but they did not provide me with it. it seems like the reps don't even know what the debt is about, no information to provide.

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 2022-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY

Complaint narrative:
To whomever this may concern, Wakefield and Associates is the collector agency that XXXX XXXX XXXX XXXX  used to collect this debt I owe. However, I do not recall using XXXX XXXX XXXX Services on XX/XX/XXXX. I do remember using XXXX XXXX XXXX Services sometime in the fall of XXXX ; at the time I did not have medical insurance and was struggling financially. Regarding the collection agency, I have never received a letter from them nor have received a bill from them. I have called over and over and have left voicemails ; no one has gotten back to me. I have sent emails to them, and no one has responded back to me ( I even checked my spam folder ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: National Consumer Telecom & Utilities Exchange, Inc.
State: AZ

Complaint narrative:
NCTUE claimed they could not open the file I submitted via CFPB and requested I email a copy of the dispute even though I had physically mailed in a copy of my dispute letter via USPS. NCTUE claimed I did not respond to them and closed my previous CFPB dispute. However, I had previously informed NCTUE representative via phone that a physical dispute letter was mailed in. Furthermore, I responded to the email request by NCTUE notifying them of this once again and recieved a " XXXX XXXX '' email in response. The disputed account ( s ) remain on my report and are inaccurate, incomplete and are not mine. I am once again including a copy of the disputed accounts in this complaint and have sent via email a copy of original disputed account and will include disputed accounts in this complaint. I am attaching proof of my claims above. This is my final attempt to get NCTUE to investigate and DELETE the inaccurate tradelines from my consumer file before taking legal steps to rectify the damage they are causing to my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX I issued check XXXX for {$1500.00} payable to XXXX XXXX. They are the property manager that I rent office space from. I mailed the check via USPS that day to their office. 
I was contacted by the property XXXX and advised that rent had not been received on XX/XX/XXXX. I contacted Wells Fargo and requested a stop payment on the check on XX/XX/XXXX. I was charged {$31.00} to stop the payment on check XXXX. 
I noticed an unrecognized payment on my statement on XX/XX/XXXX and reported it to Wells Fargo. I was assigned claim number XXXX. 
On XX/XX/XXXX check XXXX was cashed by XXXX XXXX XXXX XXXX. The check had been obviously and poorly altered. The cashed amount was {$6500.00}, to the payee named XXXX XXXX. 
As of XX/XX/XXXX I was advised by Wells Fargo that claim XXXX was denied. 
After calling and requesting to discuss with the investigator 4 times a week since XX/XX/XXXX I have received no contact or information from Wells Fargo at all. 
This is obvious fraud, and is very traceable since the bank that accepted the check did so for an account holder. The only reason this could have happened that does not include a gross negligent oversight by the banks, is if they have employees or agents participating in the fraud directly.

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 2022-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Our company owns the trademark for XXXX XXXX as well as for its logos and other details. Cash App, owned by Square Inc, allowed a non-sactined person to setup a cashtag of XXXX XXXXXXXX while allowing our trademarked logo to be used. It is unaccaptable that it is this easy for anyone to use our companies likeness to open an account and steal money from our customers. This hurts the customer and erodes faith on our brand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Double payments were made to the credit card account ( credit card issuer is Barclays US which manages the GAP Rewards card ). Subsequently one of the payments was stopped at the Bank. However, the credit card company is still carrying the balance as unpaid when there are no balances to be paid.

1. Date of double payment - XXXX XX/XX/2022 amount paid were {$8800.00} and {$9000.00}. 
Balance on the account went into refund position due to above ( {$8600.00} ) 2. Reported double payment to Credit card company on XXXX XX/XX/2022- they were unable to reverse one of the payments as it was done online through the web portal. Was advised to ask the concerned payment Bank ( XXXX ) to stop the amount. 

3. Spoke to the XXXXXXXX XXXX concerning the double payment and asked for the XXXX to be stopped. XXXXXXXX XXXX stopped the XXXX - reversing the payment amount of {$8800.00} on XXXX XX/XX/2022. 

4. the management of the credit card was transferred from XXXXXXXX XXXX to Barclays bank by GAP management adding to the confusion as it appears the customer balances were not properly carried over from XXXX to Barclays XXXX 

5. Reported immediately in XXXX / XXXX / XXXX XXXX through multiple calls to Barclays credit card team the issues and a payment case ( XXXX ) / consumer complaint case ( XXXX ) was generated. I explained the entire issue how they are missing the refundable balance from the XXXX XXXX when the account was trasnferred from XXXX to Barclays causing the entire mismatch. 

6. Barclays Bank disregards all the explanations and hasnt resolved the payment case till now but moves the account to Debt Collection.

7. I have recieved multiple debt collection calls harrowing for payment since XXXX despite no balance due to paid. 

8. This debt collection has impacted my credit history and my credibility with my lenders- infact this has led to a higher interest rates on my new mortgage i had taken in XXXX besides causing ireparable XXXX  agony and harm. Still the problem has not been resolved. Consumer is holding the bucket here for something which he doesnt have any control - account transfer between Banks on taking over of the relationship and issuing of new credit cards.

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 2022-12-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX  of 2021 I had transactions exceeding {$5000.00} on my credit card. I called Chase to report these transactions and they offered me a refund. They asked if I knew a certain person by name. I explained to them that this person was a friend of mine. They later added the charges back on my account. No one explained why. When I called them, they said these transactions were done by my friend and they won't be refunding them. I explained to them that I didn't share my information with my friend and that she stated she doesn't know what these transactions were. 

I later filed a police report per their instructions and called them in XXXX, XXXX, and over 6-7 times in XXXX and XXXX. I submitted a copy of the police report. I asked them to provide a receipt from the merchants for these transactions or camera images to confirm It wasn't me. 
They reported me to XXXX XXXXXXXX XXXX and sent someone to make sure I wasn't being abused because of my age. When they told me they did that, I explained that I'm fully aware of my finances and at no point shared my credit information with anyone. They sent me the same letter over and over saying the case is closed unless I provided " more information " but at no point did they share what information they needed. 

I lastly called on on XXXX and spoke to a supervisor in their escalation department and asked her to share what they are basing their decision on? Also asked her to provide me the communication they received from the merchant that made them close my dispute. She said she would Call me with all their findings in a few days. I received a call today saying my case is closed with no further information. 
They failed to protect my information and allowed someone to either copy my card information or steal my card without any verification on their end. They then denied my dispute and refused to refund me for unauthorized transactions. 
They then filed a claim saying I was abused because of my age. They clearly are taking advantage of me because they think since I'm old, I have no knowledge of my spending.

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

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-12-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-12-12 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # 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, 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 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 response to consumer: Closed with explanation