vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-31 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: TX

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. 

Accounts : XXXXXXXX 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  INQUIRES : XXXX XXXX XXXX XXXX XXXXTN, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKER 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 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 2022-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Do to my understanding they have to type account information on one account an don't belong to me finger hut receive muitplal Payment before saling my personal information to XXXX founding company to uptain the same payment basically both companies fraudulent activity happened with my personal information everything should be removed even close account showing open to collect more money an this account is. Close account being paid already

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 2022-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I need clarification as to the following XX/XX/XXXX Misc Fee adjustment {$64.00}, what is this? the chair complaint? XXXX XXXX Since there is no email communication address for Capital One available, I must communicate wit Capital thru CFPB (! ) Please define if transaction XXXX is the original transaction charge? 
If so you have negated the many Purchase credits given to me in past three years! 

Capital One closes many complaints without explanation as to resolution final results CFPB : HELP! Capital One does not issue explanation letters to many compalints and just closes them without explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: TX

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. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XXXX2019, XXXX XXXX XXXXXXXX XXXX Hard and soft inquires . 

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 MAKER 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 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 explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX XXXX {$8.00} I bough fever thermometer for my mother 's fever flu after 2 minute reading it is supposed to buzz indicating final reading It does not I returned to store and cashier tested it and inssited he hears buzz but my mom and I did not hear anything I asked for a substitute but merchant would not exchange

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-31 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: CITIBANK, N.A.
State: IA

Complaint narrative:
On XX/XX/2022 I bought an open box phone from Best Buy. This phone was a XXXX XXXX XXXX XXXX XXXX XXXX Unlocked in XXXX XXXX The total for this purchase was {$990.00}. This item came with damage in the form of significant scratches on the screen. I logged into my Best Buy account to return this item and selected the reason as damage due to the scratches it came with. Best Buy authorized the return and gave me a shipping label. The item was returned the same day, XX/XX/2022 with the shipping label Best Buy authorized for the return of this item which is XXXX. 

After receipt of the item, Best Buy tried making up different excuses and changing their story for why they wouldn't refund. First they tried saying that the item was returned late, but tracking shows that I shipped it off the same day they authorized and XXXX was in possession of the item before the deadline. Then Best Buy tried to say that they were refusing the return because of unspecified " damage '' despite them authorizing the return and providing a shipping label for that exact reason. 

I opened a dispute with the company that handles the Best Buy credit card ( Citi ) on XX/XX/2022. It seems Citi did not do a good job researching this dispute. They closed out the dispute without getting all of the facts from Best Buy. Best Buy claims they denied my return for the reason they authorized my return in the first place. Best Buy claims they returned the item to me, however did not provide a tracking number to Citi during the dispute. There is a tracking number XXXX that they provided me showing that Best Buy has been in possession of this item while still denying 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 2022-12-31 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: TX

Complaint narrative:
My information was stolen and used without my authority. I have put a freeze on my credit.

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 2022-12-31 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: TX

Complaint narrative:
My information was stolen and used without my authority. I have put a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: Nelnet, Inc.
State: PA

Complaint narrative:
Requesting Original Instrument of Indebtedness/original contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, TranUnion, XXXX has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

These addresses do not belong on my credit report. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Michigan XXXX These addresses do not belong on 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 2022-12-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act Experian, XXXX, XXXX has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

These addresses do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses do not belong on 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 2022-12-31 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: VA

Complaint narrative:
incorect persomal imformation on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
In late XXXX I obtained a credit card through Capital One, I activated the card for use and stuck it back in it's envelope because I had no need for it yet. In XXXX of XXXX I went to XXXX XXXX Basic Training, leaving the card behind all but forgetting about it, and sometime in early XXXX I asked my parents to send my important documents to my new station, my credit card was included in these documents. Then in XXXX of XXXX I deployed, again, still haven't touched let alone used the card up until this point. I returned in XXXX and a month or so later I needed a new car so I turned to the credit card to see how much I had balance-wise because at this point I couldn't remember how much it was worth, so I logged into Capital One, and noticed there were two separate transactions ; one for roughly {$100.00} and another of about {$200.00}, both from ATM 's but I couldn't see where, I tried a couple times to get ahold of someone so I could get it sorted out, I even followed the websites instructions to try and report it but I was just taken to website after website to no avail, I recently got in touch with a representative who advised me to report it through the police and said he would send me the documents for the bank statements since I no longer have access to the account, I'm completely locked out of it, but it's been a few weeks now and I've received nothing so I wanted to try to bring this here before I try to call and file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Refer back to claim XXXX After XXXX closed XXXX long standing account, they denied me another credit card based on lack of FICO score, I followed all the advise on getting a secure credit card from my bank, XXXX Preferred XXXX XXXX I had to loan myself {$10000.00} and open another credit card. They also said I should obtain XXXX credit cards, and use pay pal and other electronic paying methods to increase my FICO score. 
Why does FICO have all this power??? I'm XXXX XXXX XXXX, have always paid all my bills. I have money to buy whatever I want. Why do I have to juggle all this XXXX to increase a CREDIT SCORE. Why doesn't my hhistory of paying all bills in full for years count? And not owing money. WHY DOES THE US GOVERNMENT ALLOW THESE SHARKS TO CONTROL OUR CREDIT? Why doesn't my record, plus my income and investments count? I've worked hard to simplify my life. All income is automatically sent to my XXXX electronically, the XXXX is linked to my ONE investment company and all income and bills, including electronically/auto pay of my ONE credit card. ( was only XXXX, now XXXX ) and my bills are auto paid by my XXXX card. Which is electronically paid by my XXXX XXXX. My new credit card from XXXX is now limited to {$8000.00} which does hardly pays even XXXX cruise. My old account had a {$25000.00} limit. I'm fully retired can afford to travel, have assets in excess of a XXXX dollars yet I can not get credit. WHY IS FICO AND THE GOVERNMENT RUINING MY RETIREMENT TRAVEL PLANS??? Why has the government given them that power.? 
I'm also being bombarded by every credit agency, via emails and in my mail offering in increase my credit and " offering '' me special deals. This has turned loose an avalanch of sharks and I hate it.

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 2022-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OH

Complaint narrative:
My friend used Cash App to send me . XXXX. The money was sent to me XXXX XXXX XXXX. My cash app account name is XXXX XXXXXXXX. The money was sent on XXXX/XXXX/22 at XXXX XXXX XXXX XXXX. It was sent by XXXX XXXX her name for the service was XXXX XXXX. The money was received by them the ID transaction is # XXXX from XXXX XXXX. 

I have been trying to get this money placed into my bank account for two days. I have not been successful. I contacted support to get the money placed into my account or send it back to her. They refused. I have been talking to them for four hours. They were telling me to do things that were not available for me to do. 
I then asked them to place the money into my bank account which was registered to them as the place for me to receive money. In addition, I could place it on a debit card. I had a problem with my card, and I had it canceled. 

I am writing you this XXXX XXXX XXXX  XXXX because I am in a financial emergency. I am overdrawn at my bank. I owe my car insurance and am trying to hold on to a credit card before it is canceled. My friend tried to help me and temporarily fix my problems. I am due to start work but not until the new year. I do not even have money to go to work. That is what this money was for. It is not lost. they gave me some completed procedures that I do not know how to implement via my phone and told me I had to wait 14 days to get the money back. I don't have 14 days. Where is the {$200.00} dollars sent to them? How can they keep her money for 14 days? I just want the money back. Why are they illegally making her do a short-term loan before they cancel the transaction and give her the money back? We have purchased nothing from them. How can they hold her money?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
incorect persomal imformation on 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 2022-12-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
incorect persomal imformation on 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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Requesting Original Instrument of Indebtedness/original contract

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 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bank with Chase Bank, and they always take more for my money then what I should pay them.My account keep coming back very short, I tried to talk to them but always leave upset because they tried to tell me that I am wrong about my account.You do the math I place {$4900.00} in the bank I spent {$250.00} I when took cash the same night and placed it in the ATM machine next night I spent {$100.00} took that back to the ATM machine. I shop for XXXX gift spent {$190.00} Spent {$20.00} paid phone bill {$130.00} XXXX spent {$54.00} insurance which came to {$390.00} they were surpose to return XXXX insufficient fees which came to {$130.00} XXXX return {$84.00} why I go to the bank and was told I only had {$4000.00} in the chase bank? Where is my money? First time they took {$370.00} out of my savings account and said I paid my truck note a day early on a Thursday. Which they was lying XXXX got my check on Friday and I always pay my bills on a Friday always when my check comes I paid it that Friday and still they kept my money I verified with my car company and I was right but yet chase never gave my money back. They stated They paid me the insufficient fees back where is the money it doesn't add up and they know that but still kept my money.right now I'm out of another $ XXXX {$600.00} dollars trusting Chase Bank XXXX I pray you always watch your money while using Chase Bank. They take what don't belong to them. What's so bad they try to me you believe you crazy and that you spent your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I closed an account with Kohls credit card through capital one early this month. I was sent a bill that I was told was already taken care of. When I called to pay the bill the associate ran my credit without permission, when I asked about he denied that my credit was ran. I asked to speak to a supervisor and was also denied. I called back and was given a new representative who told me he could see that my credit was run, but could not find a reason why. The company with not give me any information on my credit and will not let me pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase acquired XXXX wallet in XX/XX/2021. I held some cryptocurrency assets in my XXXX XXXX. I have followed XXXX 's instructions and those of Coinbase on how to transfer these assets to a Coinbase wallet, including entering the full security key onto Coinbase 's app which they said was required to retrieve the funds, but at the end of the process I had no assets in either wallet. Coinbase then said they were closing the case as it was an engineering problem and I had to wait for an XXXX update. 

I do not think this is satisfactory or proper conduct for a financial institution. They showed zero regard for my funds, or their whereabouts, or the consequences of my losing access to them. The assets have declined in value significantly since I lost access to them. They were worth around {$4000.00} and are less than half that now. I have no idea if this is deliberate fraud, but it is a painful and unfair financial loss to bear and also hurtful to be treated as though assets they supposedly hold on my behalf are none of their responsibility - especially when the sale of XXXX apparently made huge profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase will not let me pay my chase credit card payment with my SSD card. XXXX XXXX. The bank and Master card say it is to be taken by anyone that takes Mastercard. I've tried to make a paid in full payment 5 times. 
Now Im being threatened with a charge off on my credit report. chase.com/Customer Service or call XXXX.

Company response to consumer: Closed with explanation