vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today, Sunday, XX/XX/XXXX, after XXXX MONTHS of futile transaction with Capital One Quicksilver Credit Card XXXX, I opted to file a complaint against the said company. The date of the disputed transaction was : XX/XX/XXXX. The amount involved is {$45.00}. The product is called XXXX XXXX XXXX. It was bought from XXXX and the vendor is XXXX XXXX XXXX XXXX XXXX. The merchant misrepresented its product description for two reasons : 1. ) the bed pan is of poor grade quality ( not high grade as described ), and 2. ) the bed pan did not have the engraving and logo as pictured in their advertisement. I sent an email to XXXX XXXX XXXX XXXX via XXXX on XX/XX/XXXX, the day the bed pan was delivered to my home address. The Issue : I don't want the item anymore because I was misrepresented as I had described earlier. I asked for a refund but the merchant responded on XX/XX/XXXX : " We are sorry but you will have to pay for return postage to send it back. We don't have any nearby office or anything as the returns don't work like this. '' I promptly returned the package " XXXX to XXXX '' at XXXX XXXX XXXX, but got rejected. I attempted the XXXX XXXX XXXX, and again it got rejected unless I pay a postage of {$41.00}. I was aghast as the amount was almost the actual price of the bed pan. The last straw was today, when after sending all the documentation to Capital One Quicksilver Credit Card XXXX on XX/XX/XXXX, to justify the refund of the bed pan via FAX UPS XXXX XXXX XXXX, I was informed by Capital One Rep named XXXX, that it got reviewed on XXXX XXXX, XXXX. What appalled me was that Capital One did not extend me the courtesy of a follow-up. What was the outcome of their review? What was their decision? Was it in favour of the Customer? No, Capital One did not send me any letter nor did they give me a follow-up phone call. I only knew today that Capital One was expecting me to call them, and that when I call, according to the Representative, then they will tell me that the copies they received were BLURRY, and that they can not go forward until I give them a CLEAR COPY. For me, this is the height of negligence and inefficiency. I say this because earlier in XXXX, their Dispute Department Rep assured me that once they have my documents on file ( and that is all they said they needed because my explanation warranted that I should get the refund, but that they needed my document file for the record ) then, they will promptly refund me. Please note that SIX MONTHS has gone by!! and I am still waiting for Capital One Quicksilver Credit Card to REFUND me PERMANENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a purchase from XXXX and the order was over {$2000.00} and it went missing. Under the terms and conditions ( which is legally binding ) on the PayPal website, it states that for packages valued over {$750.00}, proof of delivery in the form of a signature confirmation must be provided under buyer protection program. The package has gone missing and PayPal is not abiding by their own terms of service and closed my case siding with the seller despite the cold hard facts that the seller delivered the package and released it without a signature. PayPal refuses to grant me a refund and it is illegal to not abide by their own terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2022-01-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
After having impeccable credit history for 10 years with B of A and in general, I received a late payment notification from credit bureau. I had no idea a financial obligation was owed on said account. B of A did not reach out via phone, email, or regular mail. Upon further investigation it was claimed to be due to " short staffing and covid ''. B of A advised as a " courtesy '' they would remove the late payment. Which to date they still have not removed from any of the 3 agencies. Upon notification of the late payment, I contacted immediately and made payment. They are breaking multiple laws affected by congress with covid. I am a small business owner and had extreme financial hardship. That said I still would have paid the bill before the late period had I KNOWN it was due. I have disputed the late payment ( 1 payment in 10 plus years ) and they " verified '' instead of holding their end of the agreement.

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 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I consumer XXXX XXXX, sent Receivable Performance Management a cease & desist letter to stop the infringement upon my intellectual property rights. This letter was sent via certified mail with tracking number XXXX. RPM received an alleged debt from XXXX and have been harassing me for payment. RPM received a debt validation letter on XX/XX/XXXX so I could validate this alleged debt. RPM have not cease contacting 3rd parties, they are attempting to collect a debt that's not theirs or validated. I previously asked for a debt validation letter on XX/XX/XXXX and they have failed to provide me with sufficient information to be able to validate this debt.

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 2022-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: GA

Complaint narrative:
Missing XXXX Binance.US says they returned XXXX back to my account on XXXX they did not. I want proof of the transaction. I have provided them with my bank statements to show that they never deposited the return deposit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There are multiple addresses on my report where I never lived

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 2022-01-17 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: WA

Complaint narrative:
There are multiple addresses on my report where I never lived

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 2022-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I tried to call all three bureau 's and the company, i even wrote numerous of letters to explain that this is not my account. i asked the company to provide proof of contract and they keep sending me a bill, which is not my bill? A bill does not show proof that i signed a document. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I know my rights and they are trying to make me pay a debt that does not belong to me. The credit companies sent me someone else 's credit report a while back so what makes me believe they are not mixing me up with this person again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: TN

Complaint narrative:
I want these removed, I did not authorize these. I have filed a police report. I have sent in disputes to the credit bureau and they will not remove these. 

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 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 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 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I disputed the fraudulent information on XXXX XXXX XXXX XXXX from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: CA

Complaint narrative:
I have been patiently waiting on Experian 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : ( XXXX XXXX XXXX XXXX XXXX Date XX/XX/2020, XXXX XXXX  Inquiry Date XX/XX/2020, XXXX XXXX  Inquiry Date XX/XX/2020, XXXX XXXX XXXX Inquiry Date XX/XX/2020 )

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 2022-01-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been patiently waiting on Equifax 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
After having impeccable credit history for 9 years with Barclay, I received a late payment notification from credit bureau. I had no idea a financial obligation was owed on said account. Barclay did not reach out via phone, email, or regular mail. Upon further investigation it was due to short " staffing and covid ''. Barclay advised as a " curtesy '' they would remove the late payment. Which they removed from 2 of 3 agencies ( XXXX was never updated. Upon notification of the late payment, I contacted immediately and made payment ( min payment as I recall $ XXXX ). They are breaking multiple laws affected by congress with covid. I am a small business owner and had extreme financial hardship. That said I still would have paid the bill before the late period had I KNOWN it was due. I have disputed the late payment ( 1 in 9 plus years ) and they " verified '' with XXXX instead of holding their end of the agreement and removing. ( I should have never had to dispute in the first place ). Further fraud and or negligence will be reported to XXXX  and Attorney General as need.

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 2022-01-17 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: NJ

Complaint narrative:
Sent 2 disputes to Experian regarding incorrect information being reported from XXXX  XXXX. Evidence was sent twice that an account reporting 30 days late was not owed in the first place. I also called Experian and spoke to someone about the account being reported incorrectly.Experian updated the information to reflect paid/closed and 30 days late.

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 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have unauthorized inquires on my credit report I would like to be removed. There has been hard Inquiries made in violation of federal law. Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report can not be containing information solely as to transactions or experiences between the consumer and the person making the report. As a consumer and pursuant to 15 USC 1681 ( a ) ( 4 ), you are to respect my right to privacy and XXXX, XXXX and Transunion has violated my right by allowing these transactions to happen.

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 2022-01-17 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: NY

Complaint narrative:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my Experian. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 2022-01-17 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:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my Transunion. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 2022-01-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my Equifax. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: NY

Complaint narrative:
I have been patiently waiting on Experian 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy # XXXX XXXX-Discharge )

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 2022-01-17 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:
I have been patiently waiting on Transunion 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the public record reporting on my Credit Report : ( XXXX  XXXX Bankruptcy # 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