vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
Date of Transaction : XX/XX/2024 the amount sent to the bank was {$5500.00} The money is a refund advance loan paid out to XXXX XXXX ( me ) from tax product group bank. I have tried to get InTouch with XXXXXXXX XXXX plenty of times they have not called back not once i left plenty of emails and calls i have not been contacted bank. once i contacted cash app about the situation they told me in order to get my money back i have to get the originating back to send a letter of indemnification to XXXX XXXX XXXX XXXXXXXX XXXX. 
when i contacted XXXX saving bank they informed me that they do not do partnership with cash app anymore. i had the bank send a letter of indemnification to XXXX XXXX so they need to return the funds back to the sender i did my job on my behave which is have the sender send the indemnification letter to XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Account not mine

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Account not mine

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Around XXXX I got a credit card from capitol one with a {$400.00} limit. I used the card to its limit and later we could not pay the payments any longer. the bill ran up to {$1200.00} in their fees i count not pay that so after 6 years they contacted me in XXXX to make a deal of paying half the bill and they would forgive the rest. I agreed and paid {$620.00} to get rid of the debt but they did not forgive the rest they reported the other half of the debt and it started over on my credit for another 7 years. They have been reporting on my credit for over 10 years now for a credit card! yes the debt was my responsibility i was young and going through tough times. I think its wrong of them to call and make a verbal agreement with me to try and resolve a debt then do the opposite of what they agreed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: DE

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely. 
accounts include 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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Grain Technology, Inc.
State: MA

Complaint narrative:
I sent a second complaint to this company called Grain about a charged off account I have in my credit report THAT IS NOT MINE. This is what I sent. 


In XXXX, I realized that on my credit report there was an account from this company called Grain Technology showing a charged off account. From that moment on I put a Fraud Alert on my credit report and started fighting this case with complaints. They always close my cases saying that the company ensures that the information is correct. I have had problems all the time because the banks confuse my identity with my dad 's identity because we have the same name and before we lived in the same house. I want that company to remove that account from my credit reports and to show me that that account really belongs to me with my information. I have never had an account with these people, I did not know of the existence of this company until I saw that in my credit report, I tried to log in to their platform with all my emails and I have no way to log in BECAUSE I HAVE NEVER CREATED ONE ACCOUNT ON THAT COMPANY. This is something that affects me a lot because it is something that appears every time I want to move apartments or change my car. Right now I am living in a place that I don't want to live because it was the only place that accepted me because of my credit. This is lowering my chances of being able to live in a better place. I am tired of dealing with this situation and it is unfair that I have to have that incorrect information on my credit until XXXX when I have nothing to do with those people. 

There I asked them to show me proof that I opened that account and that they have ALL my correct information and they didnt. 

This is what they responded : Our compliance team completed an investigation into this account and found no evidence of fraud. 
All the information provided during the application process, such as phone and email, were verified. 


Is that complicated to send me all the proof that I am asking? If is true that they verified all the information why they dont show it to me? Maybe because that is A LIE and they dont have any information. 

IM ASKING FOR A PROOF!!! DOCUMENTS AND INFORMATION VERIFYING THAT I OPENED THAT ACCOUNT!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I own a law firm in XXXX. My firm was victimized by a check fraud scheme. We notified our bank, Fifth Third, and yet the bank continued to cash clearly altered, fraudulent checks on our account. Fifth Third has refused full reimbursement. We have spent an inordinate amount of time over the past 8 months trying to resolve this problem with Fifth Third. Their bureaucracy is incredible. 

Fifth Third failed to protect and reimburse our business. Fifth Third does not have strong protections in place to prevent unauthorized account takeovers. It is my view that Fifth Third misleads and misinforms victims of fraud, and illegally denies reimbursements. 

While banks are supposed to be the safest place to keep money, Fifth Thirds negligence has allowed scammers to breach the vault. If a bank can not secure its customers accounts, it is failing in the most basic duty. 

Ohio Revised Code 1304.30 ( UCC-401 ) prohibits a bank from charging against the account of a customer an item that is not properly payable. Properly payable means that the charge was fully authorized by the person who wrote the check. Accordingly, when the bank pays on a charge against a customers account based on a fraudulently altered and/or forged check, the charge can not be properly payable. 

As stated above, the fraud was repeatedly reported to Fifth Third, and yet the bank continued to cash forged checks. As stated above, it was not difficult for Fifth Third to identify forged checks : the name of the payor was altered, and the signature was not even a close facsimile to the one on file. 

ORC 1304.30 and the UCC places a duty on the bank of the payor account to make its account holder whole in the event it pays on a charge made through a fraudulent check. The policy rationale behind placing the initial liability on the drawee bank rests on the belief that the relationship between the bank and the account holder is contractual in nature, and the banks paying a charge based on a fraudulent check violates its agreement with the account holder only to pay those properly payable charges. 
In the instant case, and pursuant to UCC Section 3-406, XXXX XXXX XXXX XXXX XXXX exercised proper and ordinary care, promptly reported the multiple incidents of fraud, and in fact relied on the assurances by Fifth Third that the issue was being corrected and the account was secure. 

We now understand that bank account fraud is an epidemic problem in the financial system. However, this is even more reason for Fifth Third to employ strategies to better protect its customers assets. Yet despite this epidemic, it is clear that Fifth Thirds procedures did not effectively respond to notices of unauthorized payment orders or defeat ongoing fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Inquired on XX/XX/, Account name : XXXX XXXXXXXX XXXX Inquired on XX/XX/2023, Account name : XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Account name : XXXX Inquired on XX/XX/, Account name XXXX XXXX, XXXX XXXX Inquired on XX/XX/, Account name XXXXXXXX XXXX Inquired on XX/XX/XXXX Account name XXXX XXXX XXXX XXXXY Inquired on XX/XX/XXXX Account name XXXXXXXX XXXX  Inquired on XX/XX/, Account name XXXXXXXX XXXX  Inquired on XX/XX/. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-22 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Inquired on XX/XX/2023, Account name : XXXX XXXXXXXX XXXX Inquired on XX/XX/2023, Account name : XXXX XXXX XXXX Inquired on XX/XX/2023, Account name : XXXX Inquired on XX/XX/2023, Account name XXXX XXXX, XXXX XXXX Inquired on XX/XX/2023, Account name XXXXXXXX XXXX Inquired on XX/XX/2023, Account name XXXX XXXX XXXX XXXX Inquired on XX/XX/2023, Account name XXXXXXXX XXXX Inquired on XX/XX/2023, Account name XXXXXXXX XXXX Inquired on XX/XX/2023. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX This is was my last complaint ID Since Bank of America doesnt take responsibility for their bankers and doesnt want to remove the accurate report I will try to explain again what happened with Bank of America! 
In XXXX I opened credit card with Bank of America, it was my first credit card in my life. I knew that I will have to use it to build my credit score. One time I overpaid and it was showing in my balance {$20.00}! I went to the bank XXXX XXXX XXXX, XXXX, FL XXXX, United States and asked banker if I have to pay to the bank or I overpaid? Banker said I overpaid {$20.00} and I dont have to do anything. In 2 months from that I received a letter from bank that my credit limit was cut on half from {$1000.00} to {$500.00} and my credit score dropped from XXXX to XXXX!! I went to the bank and spoke to manager, she said she will send a paper to XXXX with explanation that it was only the banker fault to provide me incorrect information regarding my credit card balance! I did many disputes with XXXX, I received a letter from XXXX that I won dispute, nothing changed on my score! 
How can I be responsible for the Bank of America unprofessional workers!? The bank dropped my score for XXXX points down! I wish I knew the name of banker so I could search for legal help in my case. Bank can see my statements with money I keep on my accounts and it wouldnt be any problem for me to pay {$20.00} if I had a correct information from banker! I am trying to contact and do disputes to tons of companies and seems like nobody taking responsibility for the employees! Banker fault is highly affect my life with my credit score XXXX! Please contact the bank address I sent you, they should have sent a report to XXXX where they confirm that it was mistake by banker provided me wrong information. Why am I the only injured party? You know that its impossible to build up again my credit score to XXXX from XXXX. 
Please take an action. Thank 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 explanation
Consumer complaint received 2024-02-22 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: OPORTUN FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXX is NEGATIVELY REPORTING THAT I OWE A DEBT on my credit report that I knew nothing about I reached out to the company several times and have sent letters when I found out about the Debt and was never contacted back. Also the company is Inaccurately reporting the Debt on my credit Report, ( The date Last Active is Incorrect/inaccurate ) ( The date last Reported is incorrect/inaccurate ) ( The date opened is incorrect/inaccurate ) Therefore this Debt Should be Deleted immediately, it is negatively affecting My Mental Health my ability to build Credit and my ability to get credit I have been dealing with these for several years and now I'm ready to seek litigation. I would like this debt deleted immediately. According to : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: Aqua Finance, Inc.
State: TX

Complaint narrative:
Per the FCRA ( Fair Credit Reporting Act ) 15 U.S. Code 1682 sec 602 states .... There's a need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer right to privacy. XXXX XXXX XXXX are consumer reporting agencies, I am the consumer. I ( the consumer ) have the right to make sure that my information ( private ) is not shared which is protected by 15 U.S. Code 6801..It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies : a financial institution defined under that title ) 15 U.S. Code sec 604a sec 2 says ... .. in general subject to subsection ( c ) ANY consumer reporting agencies may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. XXXX XXXX XXXX and any other credit agencies DO NOT have my written consent to furnish this information. ANY and ALL consent to XXXX XXXX XXXX and any other credit agencies... ..weather it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 U.S. code 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ... me ( the consumer ) gives an explanation of how the consumer can exercise that nondisclosure option. The credit agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. code 1681c ( a ) ( 5 ) says ... except as authorized under the subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ... .ANY adverse item information, other than records of convictions of crimes which means antedates the report by more than 7 years. My account has adverse items they are reporting without my consent/permission which is against the law. 15 U.S. Code 1681s ( A ) ( 1 ) says ... A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e says... EVERY consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. XXXX & XXXX are not maintaining reasonable procedures. Lastly, 15 U.S. Code 12 CFR 1016.7 says... .a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Per the FCRA ( Fair Credit Reporting Act ) 15 U.S. Code 1682 sec 602 states .... There's a need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer right to privacy. XXXX XXXX XXXX are consumer reporting agencies, I am the consumer. I ( the consumer ) have the right to make sure that my information ( private ) is not shared which is protected by 15 U.S. Code 6801..It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies : a financial institution defined under that title ) 15 U.S. Code sec 604a sec 2 says ... .. in general subject to subsection ( c ) ANY consumer reporting agencies may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. XXXX XXXX XXXX and any other credit agencies DO NOT have my written consent to furnish this information. ANY and ALL consent to XXXX XXXX XXXX and any other credit agencies... ..weather it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 U.S. code 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ... me ( the consumer ) gives an explanation of how the consumer can exercise that nondisclosure option. The credit agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. code 1681c ( a ) ( 5 ) says ... except as authorized under the subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ... .ANY adverse item information, other than records of convictions of crimes which means antedates the report by more than XXXX  years. My account has adverse items they are reporting without my consent/permission which is against the law. 15 U.S. Code 1681s ( A ) ( 1 ) says ... A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e says... EVERY consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. XXXX & XXXX are not maintaining reasonable procedures. Lastly, 15 U.S. Code 12 CFR 1016.7 says... .a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NH

Complaint narrative:
In XX/XX/2023, I contacted Nelnet in advance to move my student loans either in the SAVE plan or deferment. I was required to complete the application online and have never heard back. I have attempted to contact Nelnet multiple times to discuss my options and either have waited on hold more than XXXX hours and hung up on or just disconnected period. They are now reporting me as late payments when they haven't worked with me which would have had me in full complaince.

Company response to consumer: Closed with explanation