vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion fails to remove a double reporting of the SAME account which XXXX says it is the same but because the card was changed they can not do anything. XXXX is not helpful because this is an error with the bureau. I am being bounced all over and I have proof it is a mistake. 

I have emails, 2 other bureaus and even a correct transunion but there is a second one added in XXXX  which was 3 years later it reported several late payments which I disagree with, it even says pays as agreed, XXXX balance opened same day every detail is the same on the newer duplicate yet the elder is correct & reflects like the other two bureaus.

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 2024-02-24 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: KS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax data XX/XX/year>, The credit reporting company Equifax shows several incorrect and irrelevant addresses, misused names, and phone numbers and multiple old outdated employments that are no longer relevant and/or are not my most recent information. I attempted to have them removed and was told that previous addresses are relevant to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I was XXXX  I assumed my cashapp card was with me. Well I served my punishment and was released on XX/XX/XXXX. I could not find my cashapp card so I got ahold of my user name and password. Logged in and found out I was XXXX. And my account was closed. I. Immediately called cash app and they sent me a list of fraudulent charges and fraudulent deposits. Including one particular cash out for {$9900.00} on XX/XX/XXXX. With the last fraud charge happening on XX/XX/XXXX. I got released XX/XX/XXXX that means I contacted cash app within two days of the last fraud transaction ( People also ask What is the regulation for debit card fraud? 
If you report debit card fraud after two business days, but less than 60 calendar days after receiving your account statement, you could be liable for up to {$500.00}. If you don't report the fraud within 60 calendar days of receiving your statement, you could be liable for any amount stolen from your account. ) that is from your site. I filed.a police report and FTC identity theft report. And cash app denied my claim and stuck me with a total of close to {$22000.00}. In fraud charges where by Federeal law I should only be liable for {$50.00}. I asked them to provide proof of why claim was denied and they nearly sent me a one liner saying that I cashed out {$9900.00} on XX/XX/XXXX but that was fraudulent to some fraud account???!!!! What do I do I tried to be honest about my jail event and now I think they are taking advantage of me.. I have included the XXXX  sheet they took until XX/XX/XXXX to get to me for my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: KS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR 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
Consumer complaint received 2024-02-24 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: NC

Complaint narrative:
I was reviewing my credit profile and saw hard inquiries that are not mine on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Skopos Financial, LLC
State: DC

Complaint narrative:
Due to the Covid Pandemic XXXX my employment status changed and was unable to keep up with payment on the vehicle and the car was picked up from my home XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and auctioned on XX/XX/XXXX in the amount {$10000.00}. Per XXXX ( male ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX whom I spoke with on XX/XX/XXXX @ XXXX. I asked why is this a Charge Off in the amount {$23000.00} and written off {$19000.00}, however XXXX is still charging me late fees and negative and incorrect information to the credit bureaus causing scores to drop. I also was told to email the specials team with this matter at XXXX for further questions and concerns.

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 2024-02-24 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: AL

Complaint narrative:
Equifax is reporting inaccurate information on my credit report in violation of METRO2 COMPLIANCE AND in violation of 15 USC 1666b ( a ). I am in the XXXX XXXXXXXX XXXX XXXX XXXX please remove and update all alleged late notations too PAID AS AGREEDED NEVER LATE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Upon review of my credit report, I noticed a collection from the XXXX  at XXXX XXXX handled by National Credit Systems and Ive never lived at this apartment complex. I asked for validation information via phone on XX/XX/2024 and the company would not give it, they simply said they have other information that could be used to validate the date even though my drivers license has only ever had the one address Ive live at prior to my current one. I explained to them that around that time period my wallet was stolen and it is possible that my identity was stolen but I never lived in this apartment complex

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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 been disputing fraudulent items on my report and requesting an investigative report from credit bureaus and never received.

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 2024-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have an auto loan with U.S Auto Sales. On XX/XX/XXXX, my car was disabled with a kill switch. I have a XXXX XXXX XXXX XXXX. I called U.S Auto Sales on XX/XX/XXXX to see if they disabled my car, and I was told they did disable my car due to me not paying my bill on time. I was confused, considering the fact that I was not late with any of my payments. I paid {$220.00} biweekly and I was always 5 days early with each payment. Because my car would not start, I had to miss work on XX/XX/XXXX as I did not have transportation to get to work and I was not able to return to work until U.S Auto Sales enabled my car again ( XX/XX/XXXX ). I was told my car would be cut back on on XX/XX/XXXX after they could not find proof that I was late on payments ( because I was not late on any payments ), but my car still did not get cut on until the next day. I am unable to access documents due to U.S Auto Sale 's website being unavailable. This act was extremely unprofessional and egregious on behalf of U.S Auto Sales. I spoke with several representatives, who did not seem to care about what I was experiencing at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report and discovered inquires that I have no knowledge of Because I did not apply for credit with any creditor or lender, I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a Walmart rewards credit card and used it for about 6 months till I got XXXX. Back in XXXX up until XX/XX/XXXX ( now ), and when I got released I went to try and access my capital one account and since I'd been in XXXX and XXXX  so long I lost my phone my number my emails ... Everything for security verification for accounts I had were all lost. I called Capital One and entered my card and it redirected me to collections agent. They said I owe over {$900.00}! I had, had just about {$100.00} owed balance when I was XXXX  I believe. So at first I thought maybe it's fees from over time and I made a {$20.00} payment. But later I realized that it had to of been used and maxed out because It just doesn't make sense. I would never come close using up to my credit limit. Only buy what I can afford to pay back that month!. So I really need help with this. I'm going to leave documents of the times I was in XXXX  and till the times I was XXXX  but keep in mind that most all of them when I get released, it's into a XXXX XXXXXXXX. If you can look at the transactions on the card and see when it was used and compare it to when I was in jail you should see it wasn't me that made that transaction. 
Also I have a XXXX XXXX XXXX account, and a Kohl 's Rewards credit card. The Kohl 's card I got sometime between one of my ins and outs of XXXX, because I was told I had good credit at the time so that's what makes me believe someone used my card after I applied for the Kohl 's card. I had no access to my capital one at all after I was originally XXXX. 
Thank you for your time and I look forward to hearing back. 
Also I have no access to the Walmart account at all, so I can't personally see any transactions that were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Point Digital Finance, Inc.
State: FL

Complaint narrative:
The situation with Point Equity, is they offer loans with the option to buy back your Equity with a cashout refinance or selling the home. Unfortunately they never explained that the only option I would only have is to sell. Reasons is base on my financial income my debt to loan ratio exceeds what I can get to pay them back. For the past year and 11 months I was unable to get this handled. Due to my income the company do verify, they added that its not there policy to look at the financials of the client. For that reason on the contract I feel it was predatory due the reason I expressed I will not be selling my home in any circumstances. The purpose of the loan was for a new roof and Windows due to high increases of home insurance policies. Point equity have been charging my equity monthly for about XXXX and I have no way on paying them back because I can not qualify for a refinance because I only make XXXX  monthly. The amount in question is 19 % of homes equity on marker value after 3 years it goes up to 69 % the amount I have been trying to pay is XXXX but due not being eligible it has gone up to XXXX in less than 2 years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
I have an optum bank health savings account. Through optum, I established a XXXX brokerage XXXX  to invest excess funds. The XXXX brokerage account is linked to my Optum Bank XXXX, and in the past I have been able to transfer any balances in excess of {$2000.00} to that brokerage account. I recently deposited {$8300.00} into that account. 

I have attempted multiple times on the website to transfer funds. However, my transfers have been unsuccessful. On XX/XX/year>, I requested a transfer to the XXXX  brokerage account. However, it was transferred to a mutual fund account that is unaffiliated with the XXXX  brokerage account. I transferred the funds back into the XXXX  account to re-initiate the transfer to the brokerage account. I re-initiated the transfer around XX/XX/year>, and it was rejected. I have called optimum multiple times, spoken to multiple people, and no one has any idea why this is happening. Theres a link on the optum website titled transfer from XXXX to XXXX brokerage. That link does not work and no one can provide me an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/year>, reauested a credit balance refund. Despite the elapse of 7 business days, as outlined by law, credit balance has not been removed and funds pertaining thereto have not been received.

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 monetary relief
Consumer complaint received 2024-02-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate 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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Ive been calling equifax credit bureau for the last three weeks. This has been from XXXX. I have been disputing inaccurate information. I was told recently as of XX/XX/year> to continuously send them my ID, a selfie and social security card via a link. Very reluctant due to their breach, I eventually sent them all the information they needed and still was not granted access online or through the XXXX XXXX XXXX  due to fraudulent information reporting on my credit report. I called them again to have it mailed because equifax told me they are now experiencing some type of internal credit lockdown. They didnt say another breach. They just said an internal credit lockdown. The gentleman who says he was in the consumer department was rude and uncooperative as I stated I was uncomfortable with several departments looking for my information. I was unsettled that they couldnt verify my correct data on file or initially tell me why they needed this information all of a sudden. When I log on it says give them a call with a code XXXX  ( XXXX ). I gave them this code and they transfer me to another consumer department as was advised by their representative. They didnt know what the code meant at first. They said I wouldnt have access without sending a copy of my ID and social security card. I sent it, but was very uncomfortable with this process, but I called them. They confirmed receipt of it, but I have attached the screenshot of the block that is still on my credit report. All I see is my XXXX credit score with no additional details. There are fraudulent accounts, one being a company called XXXX who I also submitted an FTC report on who I submitted to equifax and they still have not removed it. Neither has XXXX. Please assist me with finding out why Im not allowed to get my credit report and why, after receiving the information I still havent received access of my credit report.

Company response to consumer: Closed with explanation