vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$900.00} XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
My personal information was leaked in the XXXX data breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had a transaction done with an individual through Venmo and she scammed me. We met at a garage sale and she wanted to buy my phone that I was selling and she paid me through Venmo. We never exchanged any contact information so I had no way to communicate with her afterward. She disputed the money after a week, so she received my phone and got back her money. Venmo is making me pay the XXXX back even though I don't have it. Since we didn't exchange contact info I don't have any screenshots of communication between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I SPOKE TO NAVY FEDERAL WHO I BANK WITH AND I EXPLAINED TO THE ACCORDING Your company is in clear violation of the law, Pursuant to 15 USC 1681a ( 2 ) ( a ) ( 1 ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions and Experiences between the Consumer ( ME ) and the person NAVY FEDERAL CREDIT UNION Making the report is NOT INCLUDED on my consumer report THEY ARE REPORTING MY UTILIZATION REPORT WHICH IS AN EXPERIENCE AND IT SHOULD NOT BE THERE. I REQUESTED THEY INSERT 5 % OR LOWER FOR THE UTILIZATION OR REMOVE IT COMPLETELY FROM MY REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 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: NY

Complaint narrative:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$900.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$900.00}

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 2022-03-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
1. At the time involving the relevant matters, a Fraud Alert had been placed on all of my credit reports. 
2. This has been an ongoing criminal matter since about XX/XX/XXXX in which the investigative information was shared with the Fraud Department and a criminal complaint was filed. 
3. Although the credit report has been locked, the credit reporting agency has continually allowed others to access my credit history report, which has resulted in my information appearing on the Dark web. 
4. Moreover, when conducting business I would never permit a company to run my credit history multiple times. 

The following inquiries are UNAUTHORIZED : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX  : XXXX XXXX XXXX, XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX ( XX/XX/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 explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
This is a continuation from the complaint I find : XXXX that was submitted on XX/XX/2022. 
Bank XXXX Citizens Bank I am still receiving overdraft charges etc. as well as charges from my creditors. I wanted my account to be frozen so nothing else would occur. I forgot about a scheduled payment ; and hoping that since my account is overdrawn the bank would not send the check to my creditor. Well, I was wrong and they did! And it got returned ; which is an huge embarrassment and is costing me more fees on that end. I am drowning in all of these fees. 

I need some relief from the bank. If you look at the beginning of all of this ; it is sickening in everything I got charged. 

I would like to be reimbursed for all of the fees; including the fees my creditors charged me for returned payments ; that I tried to avoid ; but the bank would not freeze my account or do anything to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have US Bank XXXX credit card. US Bank sent me an email to open Business checking account ( online ) with promotion ( {$300.00} cash back ). On XXXX XX/XX/2022, I tried opening the account online and it was approved. But I didn't " got any email confirmation about my a/c # and routing #. So i called US Bank twice during last 4 days. Either US Bank customer service is unsure that account opened or asked me to call later. I have no idea what's going on? On XXXX XX/XX/2022 call, I was told that business account can not be opened online.

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 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Per my original complaint on XXXX ( XXXX ) - Nothing has changed - STILL NO COMMUNICATION ... XXXX CALL Back, NO letters, NO emails - Today is XXXX - - - On XX/XX/2022, I received a letter through CFPB portal that was dated XX/XX/2022 ( attached ),. 
TO DATE - **I HAVE YET TO EVEN RECEIVE THE PHYSICAL LETTER THAT IS ATTACHED, NEVER RECEIVED, ONLY LETTER COPY I HAVE IS THROUGH THIS PORTAL ON CFPB WEBSITE** In the letter there is ZERO mention as to release date of MY money in my account. " XXXX '' provided their contact information as " XXXX, XXXX. XXXX ''. 
** I have now left 18 voicemail messages, as of XX/XX/2022 - ZERO response! ** The letter states that " Please know, we are unable to close your accounts until each deposit that was added to the account is recalled by the sender ( s ). '' What? The last deposit came from a now closed account. They had absolutely no problem accepting the funds, so therefore the request ( demand ) is unacceptable. 

There is no mention of a " hold time '' for my funds, no release date, and absolutely NO communication as to WHY my account was restricted and locked, in the first place. If there was such a communication, then Capital One is REQUIRED to provide me with a copy. 

CFPB needs to address these " provisions, terms and policies '' as per your own website it appears Banks with such size as Capital One, is holding American 's money XXXX and hiding under false pretense. In simpler terms, get some bollocks! As for Capital One - I have also forwarded these complaints to FDIC, OCC and now the California State Attorneys office. No Communication, finally when communicated with, only a lame vague letter, telling me what I am going to do to have my account released and funds returned to me. At this time, this will be an ongoing complaint, and I will continue to submit new one 's until this issue is solved. CFPB : YOU SHOULD NOT CLOSE THESE UNTIL CONSUMER IS FULLY SATISFIED OR MADE WHOLE. - PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: NY

Complaint narrative:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}

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 2022-03-08 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: MI

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 2022-03-08 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: MI

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 2022-03-08 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: NY

Complaint narrative:
I have already sent a request for the immediate removal of the accounts this XXXX XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/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 explanation
Consumer complaint received 2022-03-08 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: CBC Companies, Inc.
State: NY

Complaint narrative:
Innovis is in violation of my consumer rights I never gave innovis written consent to report anything on my consumer report. No consent is Identity theft. Innovis is reporting in accuracy on my report when I asked for verification and gave them 15 days while exercising my consumer rights under the FCRA 611 ( a ) ( 6 ) and ( 7 ) as of today XX/XX/XXXX I have yet to receive how they investigated this. When I called I spoke with XXXX he said theres nothing he can do an investigation was already done. I have attached the letter sent, when it was received as well as my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There's no such thing as a late payment Because the account was paid in full the moment my credit card was accepted ( 15 USC 1602L ). 
The following account XXXX - XXXX is an authorization of approval of an extension of credit that is deprived from my credit card which is my social security card and has to be removed according to federal law. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, TRANSUNION OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. TRANSUNION has caused severe stress and anxiety due to the abusive and unfair practices.

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 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: GA

Complaint narrative:
In XXXX crypto.com sent me an email regarding my visa card transactions, they asked me to send them information such as bank statements, proof of income, and explain my transactions. I responded to the request on XX/XX/XXXX. On XX/XX/XXXX my account was locked, and i was informed by rep that it was due to me not responding to the email in XXXX ( i have proof that i responded ) so now my crypto and my XXXX money that was sent to my account via ACH bank transfer, have been held hostage by crypto.com since the XXXX of XXXX. Since then I have communicated with a " special team '' via email and they keep asking for more personal information and asking for evidence of how I spend my transactions. I've given them everything they needed and my funds over {$7000.00} have not been released. I've requested for them to outline the steps to release my funds and close the account and I have not gotten a response from the " special team '' since XX/XX/XXXX. They seem to be getting more quiet and less commination is happening after i have expressed how uncomfortable and frightened i am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX Balance : {$330.00} Date Opened : XX/XX/2020 {$320.00}

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 2022-03-08 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: OH

Complaint narrative:
Transunion credit report is inaccurately reporting accounts and account information that has not been properly verified. Reporting collections as open accounts, reporting collections with past due balances, reporting c/o after the accounts are closed. Inquiries reporting that are not authorized or attached to an account. Personal information that has not been updated reporting phone numbers and employers I am not associated with. I've sent several certified letters requesting this information be updated and as of today, XX/XX/2022 it has not.

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