vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Credit 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: MN

Complaint narrative:
I had lunch at XXXX ( XXXX ) Sushi in XXXX XXXXN on XXXX, XX/XX/year>. The bill came to {$86.00}, lunch for XXXX people. On Sat. XX/XX/year>, at XXXX, I noticed a {$460.00} charge that was pending to an XXXX XXXX  ( XXXX XXXX ) in XXXX XXXX, at my Capital One online account XXXX waited until Sunday, XX/XX/XXXX to report the problem to Capital XXXX because I thought it would fall off pending. 

The person, not sure who, XXXX XXXX, or Capital One, took it off pending and turned it into a XXXX dollar charge. 

My credit card company Capital One refuses to do anything about this since there is a XXXX dollar difference. They say I need to repeat the entire process of reporting this, but they are stonewalling me and won't do anything about it. I reported it at XXXX, nothing has happened since, and after calling today they told me I need to redo it since it is XXXX now. But it's obvious they are just not planning to help me. It's already been around 20 days or so since this has happened. 

There was a waitress that took my card on XX/XX/XXXX, wherever they do that, to make the payment receipt and was gone in the back for an amount of time, around XXXX minutes, so I believe that is where the fraud is coming from. Our waitress was training a new person that she was shadowing. 

I need your help because I did not make this charge at all. On Sat. XX/XX/year> I used my XXXX 's card to get gas at XXXX XXXX XXXX. The credit card ending in XXXX was closed by Capital One on Sunday XX/XX/year>. 
I called Capital One on XX/XX/XXXX and they did not know why it had increased by XXXX dollar. On XX/XX/XXXX, I called Capital One with concerns about having to pay for a charge I did not make. They said I should make a minimum payment and that any interest charges would be removed. I always pay my credit card charges in full and this statement period ends around XXXX XXXX or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: PA

Complaint narrative:
Scott & Associates has obtained an old debt for a car loan. The debt is past the statues of limitations in Pennsylvania. They are going to try and take unfair tactics to collect on something that is not collectable in Pennsylvania, The debt is over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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 have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On XX/XX/year>, I requested a funds transfer from my Robinhood brokerage account to my checking account. I initially selected the 4-5 day transfer option, but when I clicked " continue, '' a second window appeared and automatically switched the request to an instant transfer. I mistakenly submitted the request before realizing the switch, resulting in a {$38.00} fee from Robinhood. When I contacted customer service, they refused to refund the fee. The apps setup for transfers seems designed to mislead customers into selecting the instant transfer option, even after theyve chosen the 4-5 day transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My XXXX XXXX XXXXXXXX displays a revolving line of credit under name XXXX XXXX XXXX. Reported by Equifax. XXXX XXXX XXXXXXXX account XXXX the amount is {$78000.00} and there was recent activity on account that was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: OH

Complaint narrative:
I have fraudulent inquiries on my credit report that I demand to be removed immediately I have already filed a FTC complaint, the following are listed below : 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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, XXXX Bank ( on behalf of XXXX XXXX XXXX ) requested information from our company, XXXX XXXX XXXX ( XXXX XXXX ), regarding XXXX fund transfers of {$50000.00} each that were deposited into our account, related to a client ( The XXXX XXXX XXXX ). 

In response to this request, we replied via email on the same date, providing the requested information regarding these transfers. These funds corresponded to the payment of invoice number XXXX, dated XX/XX/year> ( see attached file ). Additionally, we provided the driver 's license of our client 's legal representative, along with a note addressed to our company confirming that these transfers were indeed the payment for the mentioned invoice. 

On XX/XX/year>, XXXX Bank ( on behalf of XXXX XXXX XXXX ) notified us via email that our checking account had been closed due to a breach of their Terms and Conditions and/or the Deposit Account Agreement. They also informed us that the funds deposited in the checking account are being held by XXXX Bank and that XXXX Bank would notify our company if there is any change in the circumstances surrounding this closure. 

It is very important to mention that the withheld fund belongs to the collections of another invoices related to IT consultancy and development services. 

On the same date, we communicated to XXXX Bank that, despite the account closure, we urgently need information on how and when the withheld funds will be returned to us ( since we no longer have access to them, which is causing us severe economic and financial harm ). However, we received another entirely ambiguous response, repeating that our money is being held without addressing our inquiry on how and when we will be able to recover our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XXXX XXXXXXXX XXXX XXXX reported a dispute I submitted had been verified through the companys referenced XXXX. However their findings are incomplete, my dispute was demanding a 10-99c from referenced companies I need XXXX to share those findings with me via email or however works best for them.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XXXX XXXX XXXX XXXX reported a dispute I submitted had been verified through the companys referenced XXXX. However their findings are incomplete, my dispute was demanding a 10-99c from referenced companies I need XXXX to share those findings with me via email or however works best for them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I had sent a payment on Venmo for {$1100.00} on XX/XX/XXXX to someone. My account was hacked and the transaction was disputed. I got access back to my account and verified I did send the funds. Venmo sent this information to my bank and this caused an investigation. After my bank reviewed and verified I sent the money they told Venmo to release the funds to the receiver. This was on XX/XX/XXXX. I have asked Venmo almost everyday since XX/XX/XXXX on when they release my funds to the receiver they just tell me they know my bank closed the case but to be patient as they are working to release the funds. I am actually beyond frustrated and think Venmo is just going to keep the money and never release it to the receiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My wife and I had a joint CD at Marcus Goldman Sachs bank. We provided instructions online to close the account on maturity, XX/XX/year>. We also received an email from Marcus Goldman confirming the instruction given on our online account. On XX/XX/XXXX, the funds were still not transferred to our external account. Calling the bank every day since and they only give me the run around. They said the transfer failed due to their fault, but would not allow us to speak to the department that is in charge of the transfer and each day we have only been told that the department with no name and no way to reach is still working on it. I have called each day and have spoken to both customer representatives and supervisors and have been told that there is no one else to speak to. As of today 's call to Marcus Goldman Sachs there is no resolution to the problem and only answers like they will call today, or in 1-2 business days or maybe in 5 business day. Not one customer representative has expressed the problem, only that the transfer of funds was the fault of Marcus Goldman. I have also sent a letter to Marcus Goldman, a XXXX XXXX XXXX XXXX, there is no email available or complaint department to call outside of their main XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: OH

Complaint narrative:
There a lot of hard inquiries that dont remember applying on credit report that I would like to have all of them removed for they can stop hurting my credit score

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 2024-08-08 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:
Dear XXXX XXXX, I am writing to file a formal complaint against XXXX XXXX for inaccurately reporting late payments on my credit report ( Account # XXXX ) in XX/XX/XXXX and XX/XX/XXXX. There are XXXX of the same credit cards reporting on my credit that are both inaccurate. Both reporting late payments that dont align with either account. See screenshots of the credit bureau blatant error. Given XXXX XXXX 's track record of negligence in handling similar cases, I demand the immediate removal of the inaccurate late payment information from my credit report. I also request a valid explanation for the errors. If corrective action is not taken within 30 days, I will explore legal options, including seeking damages in small claims court. I expect prompt investigation and enforcement action by the Consumer Financial Protection Bureau. Thank you for your attention to this matter.

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 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a Bank of America Travel Credit Card upon the recommendation of a bank employee, specifically for its benefits related to travel and foreign transactions, as the bank employee learned that I was moving to XXXX. The card functioned without issue in XXXX until XX/XX/XXXX, when my attempt to purchase furniture in-store was declined, and my card was suddenly restricted. I received no prior communication via text or email alerting me to any issues ; the first notification I received was a mobile app alert instructing me to contact the bank, after the restriction was already in place. 

This unexpected restriction not only hindered my ability to make necessary purchases for supplies and transportation but also caused significant stress and inconvenience. Upon contacting Bank of America, I was transferred multiple times and received inadequate explanations and support. Ultimately, a customer care manager informed me that the restriction was due to my failure to respond to email alert ( according to him, Bank of America sends out email alerts asking card-holders to confirm whether they authorized the transactions at issue, and my failure to do so caused the restriction on my card ). However, the only email was sent minutes after the restriction was already applied, and it did not ask me to confirm anything ; it just asked me to call Bank of America immediately or my card will be restricted -- when it was in fact already restricted. Moreover, regardless of when the email was sent or whether the email was sent at all, I explained that it is unreasonable to expect customers to check emails all the time when alternative means of communications are available, and Bank of America did not give customers adequate amount of time to respond. However, the male manager insisted that he himself checks his emails " all the time '' and it was my fault for failing to do so.

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