vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc.
State: GA

Complaint narrative:
Today XX/XX/22 I received a direct deposit from the XXXX OF {$860.00} into my cash app account, I then transferred {$700.00} for my savings into my other account. when I went to log into the account I transferred the funds to it wouldnt let me log in.. I then contacted support to see if they were able to give me access back to my account so I can take my {$700.00} out, or just send the money back to where it came from ( my original account ) since I they wont give me access.. XXXX then proceeded to tell me there was nothing they could do, and that basically the money is gone and I wont be able to access it again. I need my XXXX back this is extremely frustrating, my rent is due, I have bills, this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I got an email this afternoon from Credence Resource Management , LLC, and they had sent me a fraud packet that I cant even access. I think they may have emailed the wrong person or are trying to collect debt that I dont even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: AL

Complaint narrative:
I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : State 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 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: VA

Complaint narrative:
After reading and understanding my federal rights as a consumer, according to the Fair Debt Collection Practices Act ( FDCPA ), this law is intended to protect consumers from abusive, deceptive, and unfair debt collection from debt collectors. It is my federal right as a consumer pursuant to XXXXXXXX XXXX XXXXXXXX ( XXXX ) to receive meaningful disclosure of credit terms so that I will be able to compare more readily the various credit terms available to me and avoid the uninformed use of credit, and to protect me against inaccurate and unfair credit billing and credit card practices. As the consumer, I am requiring Discover Card to send me a notice of VALIDATION of debt pursuant to 15 USC 1692g. Communication with me should cease through all/any medium until notice of debt is given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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: GA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX : I can not access my report on no webiste, not XXXX XXXXXXXX, XXXX or annualcreditreports.com. I have contacted them several times and still no resolve. Everyone that answers does not seem to understanding my concern. Once I log in my profile is completely blank! 

Transunion : I have cancelled my subscription 8 months ago and they continue to charge me. I have called serveral times. Today I called on hold for 35 mins someone picks up and stated they were the manager on duty today, this is the first person to pick up. My response was thank you for being management I have a problem and he hung up. I called back on the be on hold for an hour no answers and yet I have {$260.00} worth of charges for services I cancelled.

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 2022-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$620.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I contacted with CFPB before about my issue, case # XXXX on a XXXX XXXX  ending XXXX. 

first they withdraw a money that I already paid ( {$73.00} ) I tried a lot to fix this with them but with no result. 

then I contacted with cFpb, XXXX XXXX XXXX XXXX emailed XXXX last XX/XX/2021, to admit this problem and they pledged to pay XXXX my money in a check within XXXX weeks. 

after couples of weeks of this date, I never received any checks, I tried to call the number they provided in the email to issue that but no body answer every time. 

I gave up to wait or contact them Thank you 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 monetary relief
Consumer complaint received 2022-02-24 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: Merchants Adjustment Service, Inc.
State: KY

Complaint narrative:
I recently received updated copies of my XXXX and XXXX credit reports. I noticed a collection account on both of them upon review. 

I have no knowledge of the apparent Collection Agency ( XXXX XXXX XXXX  ) or the Original Creditor ( XXXX XXXX XXXX XXXX ). According to my Credit Reports, this debt became delinquent on XX/XX/2019. 

I am providing a copy of the letter i forwarded to the Collection Agency requesting validation of the debt in addition to other things necessary for me to ascertain the validity of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State 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 2022-02-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX and I am disputing a hard inquiry on my credit report. On the night of XXXX/XXXX/2022, my older brother, XXXX XXXX XXXX, applied for a credit card with Capital One online. Within seconds of his submission, I received a hard inquiry for the application instead of his which makes an effect on my credit score and report. There could be a mix up between our credit information with XXXX as both of our SSNs are almost identical except for the last number ( my guess for this situation to have occurred ). 

I placed a dispute with XXXX online that same night and received an update that their investigation was complete the next night on XXXX/XXXX/2022. The report they provided me was that the hard inquiry was accurate and that Capital One should clear up the information on their end or fix it with XXXX. However, I called Capital One today, XXXX/XXXX/2022, and was told that the information under my brothers account and application were correct and that my account and information were correct as well. We were able to verify our names and socials within Capital Ones system and found no error there. I was told by Capital One to reach out to XXXX again for the hard inquiry and to let them know that Capital One has the correct information and was verified by my brother and I. 

This hard inquiry does not belong to me and should be removed from my credit report. I still do not know how and why I received the hard inquiry when the application was all under my brothers information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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: VA

Complaint narrative:
on XX/XX/22 I called capital one requesting a credit for all the late fees applied to my account in order to bring my balance up to date ; they said they were only doing one time courtesy fee waiver of {$40.00} but they couldnt do anything else. 
consequently in order to avoid continuing getting {$40.00} late fee and increase my debt with capital one I decided to make a loan to pay the card in full. 
on XX/XX/22 I called capital one once again, requested to speak to a supervisor directly to request once again a total of {$130.00} credit back to my account ( all late fees ) in order to pay what was fair and pay the credit card in full to avoid any further charges and pay more money in addition to interest and my debt. Once again I was denied the credit, i asked the total balance to pay the card in full in order to avoid more surprises on fees ; the same night i made a loan for the exact amount she told me in order to pay it which I did first thing on XX/XX/22 after several days on XX/XX/22 i realized there was a balance of {$32.00} so i called capital one, requested to speak to a supervisor to inquire about the balance and she said the balance was the interest accurate for the amount that was due when i paid the card in full. i requested for her to look at the notes of my previous call on XX/XX/22 when i specifically called about paying the card in full to avoid more surprises and extra fees ; she said there were no notes about that call. after requesting to speak her supervisor to listen to that particular call on XX/XX/22 she said that there were no one else above her, that it was not possible to hear the call and she was taking the formal complaint but there was no one else that could do anything about it. she even said that theres a special statement they must read to customer when making a payment in full ( pay off the card ) which i specifically told her that the supervisor that i talked on XX/XX/22 didnt mention or said anything about it therefore it was important to listen to my conversation with her because she didnt say anything about any possible additional fees. 
after several requests with the supervisor to listen the conversation and transfer the call to someone else to file a complaint she said theres nothing else i can do and then the call was ended. 
i want capital one to listen to my conversation with the supervisor on XX/XX/22 and the second supervisor i talked early on XXXX after charges applied on my account and also want the credit of {$32.00} for my balance to show {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
Date : XXXX XXXX Balance : XXXX My loan was sold and I was unable to get in contact with new owner. I reached out but the number that I was provided was disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: AL

Complaint narrative:
I received notification from Equifax that information was updated on my report. The creditor reported inaccurate information that hurt my score significantly. They reported that my account was 90 days late on an account for the month of XX/XX/XXXX. The account was closed over two years ago and paid on XX/XX/XXXX. When I called the rep. He explained the account was in dispute and the case was not closed. But when I provided proof that his own agency reported the update from the dispute. He questioned how could that be possible if the case is still open. I provided proof from the company itself as well as FICO. He refused to help me by saying I had to wait until the dispute was finished. But I explained if the dispute was still open how could they report an update on the account in question in regards to my dispute status. I have provided images showing the dispute being updated by Equifax on this date. If they do not immediately fix this mistake I will take legal action. Their lack of concern was disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
I would like to file a Fair Credit Reporting violations report against this credit bureau. They continue to report a XXXX  XXXX XXXX account on my credit report incorrectly. I brought this to there attention and up to this date they have not deleted it from my credit report of fixed the matter. On XX/XX/2021 I requested from this credit bureau there method of verification as it pertains to this account as this is my rights under the Fair Credit Reporting Act. Seven months have passed since I made that request and that method of verification has not been sent to me as yet. I am enclosing a copy of the letter that I sent them asking for such a request and a receipt from the post office showing that they got the request. The Fair Credit Reporting Act clearly states that a credit bureau has 15 days after they have received a request from a consumer for there method of verification for them to provide it to the consumer.

Seven months have passed and I have not gotten the method of verification and this is a clear Fair Credit Reporting Act violation for which I can seek damages for in the court of law. The Fair Credit reporting Act states that if the credit bureau is unable to furnish the item requested then this account should be deleted from my credit report. 
I am therefore asking you to delete XXXX XXXX XXXX from my account due to the continued reporting of incorrect information on my credit report and for not providing me with your method of verification which is a Fair Credit Reporting Act violations. Kindly delete XXXX  XXXX XXXX from my account immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was texted on XX/XX/2021 from a phone number stating that he was the CEO of the company that I work for and required me to an urgent task. He asked me to get XXXXXXXX XXXX XXXX in XXXX, XXXX, or XXXX for the amount of XXXX {$500.00}. Only 1 gift card of {$500.00} could be purchased initially in the first XXXX XXXX store. I had to get 5x {$100.00} in the same store. Then, he asked to send him the code directly. After 2 purchase of gift card totaling {$1000.00}, he asked me to go back to the store to get 2x {$500.00}. I was only able to get 1x {$500.00} gift card in the same store. 
So, he asked me to go to another XXXX store to the remaining {$500.00} gift card. I went to the 2nd XXXX store and was able to get {$500.00} gift card. Now, it was totaling to {$2000.00} of gift cards. After the completion of the purchase, he asked me to get more of 2x {$500.00} in that second XXXX store. I went back, but the sale agent informed me that I can only purchase 1 timer per store. I went to the 3rd XXXX store to get the 2x {$500.00} gift card, but the sale agent printed the receipt that it only allowed {$2000.00} gift card purchase per day. So, then I went to XXXX store to get 2x {$500.00}. When I was there, I was asked to get 4x {$500.00} instead of 2x {$500.00}. So, I purchased the 20x {$100.00}. Each time after the purchase, he always asked to send him the gift card code directly. I did that each time. I had some doubt in XXXX that it was the CEO of the company and called him. However, he told me that he is in a conference call right now and will call me back in XXXX min. I also told him my concern over the text that this is really him. He told not to worry that this is him, XXXX XXXX. After I sent him all the code of 20 gift cards, he told me again that 3 cards didn't work. So, I finally texted my coworker XXXX and asked him whether the phone number of the person texting me is XXXX 's number. He told me that it is not what he saved in his phone book. So, I finally realized that I was scammed and stolen from the person texted me.

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 2022-02-24 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX and I am disputing a hard inquiry on my credit report. On the night of XXXX/XXXX/2022, my older brother, XXXX XXXX XXXX, applied for a credit card with XXXX XXXX online. Within seconds of his submission, I received a hard inquiry for the application instead of his which makes an effect on my credit score and report. There could be a mix up between our credit information with Equifax as both of our SSNs are almost identical except for the last number ( my guess for this situation to have occurred ). 

I placed a dispute with Equifax online that same night and received an update that their investigation was complete the next night on XXXX/XXXX/2022. The report they provided me was that the hard inquiry was accurate and that XXXX XXXX should clear up the information on their end or fix it with Equifax. However, I called XXXX XXXX today, XXXX/XXXX/2022, and was told that the information under my brothers account and application were correct and that my account and information were correct as well. We were able to verify our names and socials within XXXX XXXX  system and found no error there. I was told by XXXX XXXX to reach out to Equifax again for the hard inquiry and to let them know that XXXX XXXX has the correct information and was verified by my brother and I. 

This hard inquiry does not belong to me and should be removed from my credit report. I still do not know how and why I received the hard inquiry when the application was all under my brothers information.

Company response to consumer: Closed with explanation