vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Credit 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: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX of XXXX I made a purchase with XXXXXXXX  for a pair of XXXXXXXX XXXX XXXX  on XX/XX/XXXX I contacted the company to find out where my package was they said they could not locate it so I have been waiting a almost a month for these XXXX on XX/XX/XXXX I contacted the company and ask them again to put a tracer or something on the package so they could find out where it was they still were unable to locate it so therefore I ask for a refund I at that time contacted cash app who I made the purchase through with my cash app card to dispute the charge because I had not received the merchandise and it had been over a month I let them know I had contact the company I had the email from the company saying that they were going to look into it back then and that they apologize but they were going to check with their shippers I never heard anything else back from them I sent that copy Into Cash app along with my dispute they did not even take long to respond to me and say that my claim was denied this is not the first time that I've had trouble with them not doing an investigation they got back to me in 2 days it took me that it took me longer than that to even get in contact with the seller to even get an email back so I know they did not do an investigation so they are denying people and people are getting scammed as I have out of their money and they're just pressing the deny button without doing any kind of Investigation and someone really needs to look into this because I'm sure I'm not the only one

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Mr. Cooper, a mortgage servicing company, has lost my personal data to hackers. 

I will have to deal with the financial hazards created by this corporate incompetence for the rest of my life. 

They are offering a palliative of credit monitoring with XXXX. I feel this is utterly callous and insufficient. They should be offering credit monitoring with all three major credit bureaus for at least five years. 

Also they should be held liable if I am exposed to any financial loss resulting from this data breach. 

The address for Mr. Cooper : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
So tried applying for apartment in my name I been telling the company it wasnt me and I keep getting calls repeatedly and I tried to pay it off but why would I pay something off that wasnt my one creditor overlook at XXXX  I guess 4 insufficient chargers of {$76.00} dollars and a {$170.00} dollars application fee I never stayed at this property back in XXXX of 2022 and another debt from XXXX at XXXX XXXX I never stayed there either and that was XXXX of 2022 and now its just affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
XXXX XXXX  This is also completely inaccurate. 

XXXX XXXX XXXX XXXX  I do not recognize this. 

XXXX XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Incorrect Name XXXX 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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I paid off my balance on my Goldman Sachs credit card on XX/XX/XXXX of a total of {$7100.00}. I then noticed my available balance was still below my actual credit limit on this account. So I contacted customer support on XX/XX/XXXX at XXXX. Est. They stated that my payment was successful and had posted and cleared in their system. I was put on hold multiple times to try to speak to a manager regarding this. So i thought it may be best to try again the next day XX/XX/XXXX at XXXX XXXX. So I called them and asked the same question if they had been paid on the balance I had with Goldman Sachs. They had stated that it indeed had been processed and was successful in posting and had cleared in their system. I then asked to speak to a manager and was able to ask him the same question. He then stated on the record that there was no one at Goldman Sachs that could correct my available balance. Which was 100 % incorrect. So I proceeded to reword the question to make sure he was understanding me correctly. He was and he didnt try to help me get my available balance that had already posted on there end. He stated it was because of a draft that was unsuccessful XX/XX/XXXX. Which is over 6 months and 4 days ago, and I have had 8 successful payments after the o incident he referred to that he used as his reasoning for holding my funds for 10 days. I then asked if I could get a copy of the voice recording that they have since they record calls and he said he couldnt get it for me. I wanted it for the reason he was stating on the record that no one in the entire business of Goldman Sachs could change my available balance to the correct balance that should be available to me. Which is incorrect. I honestly thought I was dealing with a legit company. Just to have their manager lie to me and state it was impossible makes me have no faith in the system. That who knows what they will lie and state next.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting 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:
I, XXXX XXXX am a natural born live and breathing human being, Pursuant to XXXX XXXX XXXX section XXXX states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 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. 

XXXX, EQUIFAX, XXXX, XXXX XXXX, XXXX is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! 
IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days. UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I, XXXX XXXX am a natural born live and breathing human being, Pursuant to 15 USC 1681 section 602 states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 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. XXXX, XXXX, XXXX, XXXX XXXXXXXX INNOVIS is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days. UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Original medical debt owed was sent to another mailing address that was incorrect, even though I had to provide ID at the time of the service in XXXX XXXX. Did not know that the debt was due until XXXX XXXX  when it was turned over to medical collections. I asked to be mailed a statement. Never received the statement then attempted 2 more times to request the statement. First time they refused, stating that they sent a statement. I finally convinced a supervisor to email me the statement, which I received in XXXX XXXX On XX/XX/, I called and offered a XXXX XXXX  monthly payment, in which they refused and told me that they could only accept a {$50.00} payment monthly. They were abusive and rude to me, telling me that I just didn't " want '' to make the payment and that I should " just put it on a credit card '', when you can see that I've made efforts to get the information on what is due. They threatened to send this collection to negatively affect my credit and would not accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
I purchased a {$500.00} VISA gift card from a king soopers. When I went to register the gift card online, I was unable to because somehow the information had been stolen and the {$500.00} withdrawn in a state thousands of miles from where I live and purchased the card. I called Visa, submitted a fraud complaint, gave them all the necessary card information, and they sent a letter in the mail from their prepaid dispute section saying that they believe an error occurred, credit in the amount of {$500.00} was posted to my account, and I should receive a new card within in 7-10 business days. That was XX/XX/XXXX. Now, 3 months later, no card, no refund. Ive called them since and theyve been unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I filed a complaint with the CFPB on XXXX XXXX XXXXXXXX CFPB sent my complaint to BOA in regards to my credit card payment not being procerssed. I ahve left three messages with BOA XXXX XXXX XXXX XXXX and she still has not repsonded to my request. I apid trhe credit card off in full ( {$2100.00} ) on XXXX XXXX XXXXXXXX and the payment is being held by BOA and not credited to my account. I paid sveral other cards off and the accpted payment and credited my account he same day. BOA is still holind my payment and refuses to apply my paymnt to my account. I beleive this is illegal. My two complaints with CPFB with BOA have been forwarded to US Senator XXXX XXXX XXXX office this morning. 

I am requesting enforcement action against BOA imemdiately. BOA 's bahavior is deceitful, deceptive, and unaccaeptable.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting 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:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress

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 2024-01-12 00:00:00
Product: Credit reporting 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:
I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed 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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
KeyBank allowed several unauthorized charges on my account for a service I dont use or have no knowledge of. They overdrafted my account XXXX and took XXXX dollars out of my check too cover the remaining balance. They have expressed too me that they feel there was fraud on my account but refused to give me back my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX This is also completely inaccurate. 

XXXX XXXX XXXX XXXXXXXX I do not recognize this. 

XXXX XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX This is also completely inaccurate. 

XXXX XXXX XXXX XXXX I do not recognize this. 

XXXX XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief