vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP
State: NY

Complaint narrative:
On the XXXX the company corrected the address which had DELAYED this legal letter that they sent. They decided to reopen the same day. The very next day after opening the claim the specialist remarked it with the same reason stating that I replied to them with the required documents late. Their document to me, had the wrong address on file it was missing my apartment number which caused a delay in their mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: OH

Complaint narrative:
On XX/XX/22 I sent a P2P payment through Google Pay for {$170.00} trying to help a friend. The individual that I intended the payment to be paid to had recently changed their phone number and the payment went to an unidentified individual. Since I had previously sent a payment to the person, the info was stored in the G-Pay app and didn't update to the new phone number. Within less than 10 minutes, I realized that the money went to the wrong individual and attempted to remedy with G-Pay . I have yet to receive the funds back and believe that this might be a Reg E violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: IL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
MY WALLET WAS STOLEN IN 2018. FRAUDULENT ACCOUNTS WERE OPEN IN MY NAME. THEY HAVE SINCE THEN BEEN CLEARED UP EXCEPT FOR XXXX XXXX. 

ALL THREE BUREAUS STOPPED REPORTING THE FRAUDULENT INFORMATION, NOW TRANSUNION HAS DECIDED TO REPORT THE FRAUDULENT XXXX FEDERAL REVOLVING ACCOUNT. 

THEY ARE REPORTING FRAUDULENT INFORMATION THAT NEEDS TO BE REMOVED IMMEADIATELY, PERMANENTLY.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NM

Complaint narrative:
I had amazing credit until recently when XXXX reported that I was past due on my payment some time in XX/XX/XXXX '. When I received an alert saying my credit score had dropped I was dumbfounded to learn that my car loan company was claiming I had not made a payment in two months. Upon checking my account through their app I learned my scheduled payments were no longer being applied for reasons even they could not explain so in XX/XX/XXXX ' I promptly brought my account current and while disappoint it had negatively impacted my credit score I assumed responsibility and made sure my correct card info was there and that I'd get alerts should parents not post going forward. Well it happened again for XXXX. To summarize I'm paying my car note from the same account I've been paying from for the last year and despite the funds being fully available and them confirming per their app payment was posted only for several days later to be returned unpayed without any notice or attempts at contacting me either by phone or even an automated alert to which I'm signed up for leaving me to not see this until I am paying the following month. When I contacted XXXX to gain insight on the matter ( sidenote : I had also been having concerns due to the fact I'd been receiving notices someone accessed my account with my login info when I had not logged in myself ) the representative admitted they had been having issues with alerts and could not give me a reason why they were not sending any email or calls about it and that I'd have to dispute the late payment reported on credit. Well I did dispute the first one and didn't get a clear reason why it hadn't been removed. I'm currently trying to buy my first house and obviously this should be detrimental to the ability to qualify for a loan to do so which has already been a struggle for other reason I'm dispute on another claim. It's clear from my bank statement the funds were available to make the payments and recording from XXXX acknowledging them being unsure why it didn't go through either and the representative inability to remove the late payment status as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MS

Complaint narrative:
I had my ssn check deposited and refunded disputes added to my card. I tried to access the account and cashapp located the account on their end but i was not able to myself. They said i cant have access or transfer monies out and gave me only one reason due to security reasons i asked what security reasons and they said thats all they could tell me. I am XXXX and without my monthly check I will not survive. It took me months to recover from not getting my check that month. I was evicted and XXXX on the XXXX and lost everything i owned because of this. I keep trying and trying with them but get no where. There app Conveniently freezes if i get to far into logging in. Cashapp is a company that steals and thus far gotten away with it all!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I was incarcerated in XXXX of XXXX til XXXX of XXXX. I had an open account with American Express prior to being incarcerated. At the time of my incarceration my balance was {$0.00}. When i was released me balance was {$2500.00} and account was in collections.All the charges occurred while i was incarcerated therefore it couldn't have been me. Ive tried to dispute this with them but they're making it impossible to get in touch with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
The collection for an auto loan that I had was originally with XXXX XXXX XXXX. They filed a judgment against and we went to court on XX/XX/XXXX. I was able to make payment arrangements with them and have kept to the terms agreed upon since XX/XX/XXXX. I called XX/XX/XXXX to get a copy of the payment terms that we agreed upon so that it could be reported on my credit report accurately and they informed me the debt is now with XXXX XXXX XXXX. However, the debt is still be reporting to the credit bureaus by XXXX. I have attempted to get XXXX XXXX XXXX to provide the correct payment terms and balance and they keep telling me they do not have it. I have called XXXX to get it and they keep telling me that XXXX has the debt now. 

I just want to have the debt reported correctly on my credit, with the balance reported accurately and the correct terms reflecting.

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 2022-03-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

I have submitted personal information disputes with the credit bureaus on XX/XX/2022 and am still waiting on Experian to update my personal information.

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 2022-03-22 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: MD

Complaint narrative:
On or about XX/XX/XXXX, I sent a debt verification letter to Wakefield & Associates via Certified mail in which someone signed and acknowledged it on XX/XX/XXXX. It has been more than 30 days and I have not received and correspondence regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: SC

Complaint narrative:
On XX/XX//2022 I sent Capital one a cease and desist letter along with a billing error dispute. After receiving my letter they cancel my card and refuse my payment. They also reported my account to all three credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: R & B Corporation of Virginia
State: OK

Complaint narrative:
This is the information given to me. I was told I couldnt pay it anywhere but through him on the phone. I asked if there was an online site and he said no multiple times. He said only way was to give him my card information. It happened XX/XX/2022 around XXXX. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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:
Credit bureaus are reporting wrong names and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One, NA. Completed an inquiry not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  Violated my rights on XX/XX/2021. 

They violated these laws : 15 USC 1692. ( B ) ( 2 ), 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because I recognized inaccurate info on my credit report. {$18000.00} is reporting to my credit report that is inaccurate. Reporting date XX/XX/2022. Also I see addresses and employment that are inaccurate as well. A birth year is also inaccurate. And one inaccurate name. Accounts that are inaccurate are XXXX, XXXX, XXXX XXXX ( XXXX XXXX ), XXXX  XXXX XXXX, XXXX. 

Employment that is inaccurate is XXXX XXXX XXXX I would like this matter to be investigated, resolved and removed.

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 2022-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I had went to the dentist about 3 years ago in XXXX for a check up they offered to do a deep cleaning service on my teeth and told me if approved I can start in a few weeks they took a {$50.00} payment from me and 2 days later I called and told them to cancel the cleaning because I didnt feel it was needed a year later on my credit report it shows that I was charged {$1200.00} for the treatment and I kept getting emails and phone calls from debt collectors which I tried talking to and they ignored me and told me I have to still pay them regardless of the situation when I told them dozens of times I havent received a cleaning I found a credit repair to dispute it off of my credit which has dropped over XXXX points from my credit and a year later it pops back up in XXXX in XXXX and I explained to them again I do not owe you guys for a treatment I never received and as they said to me as well I still have to pay them and that my credit will continue to drop for 7 years till I pay them and that they were willing to Negotiate how much I need to pay them up front and I kept refusing to pay for a treatment I never did and as one guy stated it doesnt matter if you call them and try to negotiate with them once its reported to us you have to pay this debt. Ive been fighting to take this off for almost 2 years now

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 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There was an incident occurred with my Chase Business account whereas an unidentified amount of {$350.00} was shown debited from the account. I inquired to a Chase personal banker and they inform me it was a wire but could not identify the source. I immediately took action and closed the account under the suspicion of fraudulent behavior and Chase credited back the funds to my business account. It was later revealed to me from XXXX XXXX that my account had gone into 30 delinquency mode. I have an outstanding record of on-time payments with XXXX XXXX XXXX Apparently, the unauthorized wire of {$350.00} that posted to their records on XXXX, 2021 ( for my XX/XX/2021 car payment ) was reversed. XXXX reported to the credit bureaus ( XXXX, XXXX and XXXX ) as delinquent. I spoke with supervisor XXXX XXXX at XXXX XXXX explaining the situation requesting that this delinquency be removed and that I have a letter from Chase explaining my creditworthiness and the situation. They referred me to email their resolution team ( XXXX ). I also disputed with credit bureau and they are saying XXXX is not cooperating to remove the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Violated my rights on XX/XX/2021. 

They violated these laws : 15 USC 1692. ( B ) ( 2 ), 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Violated my rights on XX/XX/2021. 

They violated these laws : 15 USC 1692. ( B ) ( 2 ), 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2022-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I have made 4 requests to XXXX XXXX ( XXXX ) in regards to canceling the service plan for R.O.A.D IN TIRE in the amount of {$1400.00}. I have also requested this to XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) who directed me to XXXX XXXX and CC 'D his supervisor XXXX XXXX ( XXXX ) who has also not responded to this request. 



I noticed they have been receiving my e-mails based on the read-receipts that I requested. I specifically asked that they communicate with me via e-mail as it is my preferred method and will avoid future misunderstandings..

Company response to consumer: Untimely response