vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AR

Complaint narrative:
I lost access to my cash.app account when my phone number was changed. I still have to account numbers and debit card number for the account. I am willing to provide my government issued drivers license and other documents as needed. I created another cash.app account to access the support option according to the support procedures to regain access to the account. I contacted support by message and by phone. While on the phone with cash.app support, the representative was unwilling to provide necessary service and refused to assist with restoring the account due to me being unable to recall the email linked to the account. I asked the representative to locate the account based on the account number or debit card information but he alleged that was not possible. I believe my account was hacked and the information linked to it was changed and that is why I am unable to provide information such as email or phone number that is currently linked to the account. I requested to speak to a supervisor and the representative refused to transfer the call to any other support representative. Instead, the representative rudely and abruptly terminated the call without any forewarning. Following the call, the cash.app account that I made to access the support department was closed and I lost all access to that account as well. It is imperative that I regain access to my account because my tax refund is supposed to be deposited to the original cash.app account and if someone else has accessed it, that person will steal my tax refund. Further, without an open account to deposit to, the IRS would divert the refund from direct deposit to an address that I no longer live at and the check sent would be received by the person that I believe is responsible for stealing my tax refund for the years of XXXX. Cash.app is FDIC insured and operates using similar processes compared to banks. There is no valid reason why my account can not be located using the account number and debit card number and why identity verification using my valid government issued documents is not an available option to regain access to my account. It would be sufficient for any bank in the country. It's sufficient for any department of our government. Why is cash.app exempt from following the same standard procedures as every other entity providing service to consumers related to finance?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: EQUIFAX, INC.

Complaint narrative:
On my equifax account, there is so much information that does not belong to me. Its mixed with somebody else account. Its showing so many addresses that I never lived on such as it is showing XXXX and I never lived there. I dont have last name and thats why EQUIFAX mixed my file with someone else file and showing my credit score very low. On the other hand, on XXXX  my score information is completely correct. I contacted so many times EQUIFAX to fix my addresses, the credit cards that does not belongs to me, and date of birth that is wrong not mine, but I never get any help from them and still my credit score is showing very bad on their website and when I went to get a loan for car, the dealer told me my score is very low because EQUIFAX mixed my file with someone who have so many loans. My XXXX XXXX  changed now after getting XXXX  in XXXX and hopefully they do not mix my account with someone else again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: MS

Complaint narrative:
My identity was stolen in XX/XX/2018. The individual that committed this crime apparently purchased a vehicle from XXXX XXXX XXXX. The individual XXXX XXXX pled guilty and went to XXXX. I have submitted all police reports regarding this crime to this company that I know nothing about. The Contract that XXXX XXXX XXXX produced does not have my signature anywhere on it. It has my SS # wrong, my date of birth wrong, my address wrong, my name wrong, and my employment wrong. My attorney has written them habitually, however, IT IS STILL ON MY CREDIT REPORT! Due to this Company, my interest rates are higher for my vehicles and credit cards, can't obtain financing for a home. I have submitted the Federal ID Theft Documents, Police Report, and case number to both Equifax on 4 different occasions and EQUIFAX AND XXXX XXXX XXXX will NOT REMOVE IT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I was a customer with XXXX XXXX XXXX, and I was no longer a member when I cancelled my membership. A representative came and collected my modem and router equipment. The next month thereafter I was charged on a continuous basis until the debt that is not mine was placed in a collection in my name.Below I will place the main debtor XXXX XXXX XXXX XXXX XXXX  with the collection agency I.C. SYTEM, INC. I have a return summary from XXXX XXXX XXXX 


XXXX XXXX XXXX XXXX XXXX : # XXXX # Account # : XXXX I.C. SYTEM, INCXXXX : # XXXX AMOUNT TOTAL : {$120.00} Returned Equipment # code : Returned equipment 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 2024-01-23 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: IL

Complaint narrative:
I have identified inaccuate information on my consumer report, I am attached a copy of my report, I have never signed a form ssa-89 granting permission for my consumer social to be ran by any company named in this report. Please remove these unauthorized inquiries rom my report asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX DAte Assigned - XX/XX/2023 Original Amount owed {$8800.00} I asked for a validation of debt letter with my signature showing I have a contract with the company. It has not been provided because i do 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 2024-01-24 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: TX

Complaint narrative:
This complaint is in regards to the account XXXX # XXXX. It is illegal to report transaction history for utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2024-01-24 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: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Financial Service on XX/XX/2023 reported The amount {$13000.00} on my credit report violating the FCRA law 15 U.S. Code 1681n - Civil liability for willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Review the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time, yet they are reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: IL

Complaint narrative:
After carefully reviewing my credit report, I found several violations of the Fair Credit Reporting Act. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are considered to be a transaction. 15 U.S. Code 1666b - Timing of payments section ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given the option to opt out of having late payments post to my report. I currently show late payments of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made serval attempts to try to get this matter resolved. Further violation of my rights will result in legal actions. I also have a right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cash Express, LLC
State: CO

Complaint narrative:
CASH EXPRESS LOCATED AT XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX IS SENDING ME CORRESPONDANCSE SAYING I OWE FOR A 3 LOANS TAKEN OUT IN TN. I DO NOT LIVE IN TN NOR HAVE I EVER VISTED THIS CASH EXPRESS BUSINESS. I LIVE IN COLORADO AND HAVE BEEN IN COLORADO FOR MOST OF MY LIFE. 
I ASKED THEM TO SEND ME THE ID OF THE PERSON WHO TOOK OUT THIS LOAN. UPON REVIEW OF THIS ID THIS PERSON REMOVED MY PHOTO AND PLACED HIS PHOTO ON MY OLD IDDENTIFICATION CARD THEN USED THIS FAKE ID TO GET 3 LOANS. ALSO THEY USED AN OLD LAST NAME. I DID TALK TO THE POLICE ABOUT THE MATTER. THIS MATTER STILL REMAINS UNSOLVED. 3 FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY OLD LAST WITH A GENTLEMAN USING A FAKE ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: VA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as it does not belong to me. This account is reported false through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2024 I tried to log into my mobile app and it said my account blocked to call customer service. I called customer service and they gave me the number of fraud prevention to solve the issue. Fraud prevention went through all verification and then mentioned they'll send a letter. This is the SECOND time I have had this issue with Citi fraud prevention. They use a third party system that sends out letters and not to the address that is on my Citibank account. Last time I was blocked for over two months and had to file a complaint with CFPB and Citi 's Executive response unit. 

I have made it clear to Citi Bank that I work for the XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and do XXXX XXXX XXXX. I have filed an issue with Citi 's Executive response unit case number XXXX. I really need this review of my account done immediately and I get access to it because it is my primary account, salary account and I have a savings account and a Citi Priority client. 

I've attached proof of account block and last email chain with previous complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I requested an early withdrawal from my American Express CD on XX/XX/2024. I called the XXXX number ( XXXX ) and was told to fill out and submit a form via the online document upload center. I was told the form processing time was 13 business days. I called back 4x to check receipt of the form, and was finally told everything was in good order. Online, the form showed 'account closure successfully received '. However, when I called to check when funds would be sent via EFT, I was put on hold, and told they never received the form. After 3 separate calls to AMEX XXXX customer service, and over 5 hours of time on hold and speaking with different agents with different levels of experience, I finally got through to a supervisor. After 45 minutes she finally told me that the online portal was not eligible for this type of document, that I had been given improper information by all prior agents, and I would need to re-submit the form via fax or email, and wait another 13 business days from date of document receipt, to process the form. 

I opened this CD 2 weeks prior to closure, and now will have to pay a 3 month grace period of back interest, and wait over 26 business days to process the form. I wasted over 5hrs of my time on hold with Amex customer service. I am a XXXX XXXX XXXX at another bank, and this is the most horrible customer service experience of my career in banking or as a bank/financial services customer. I have been an amex customer for over 20 years, and will be taking my credit and savings business elsewhere -- immediately. 

I have re-submitted the form via fax and regular mail, and will call back daily to confirm receipt and check on timeline to receive my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: WY

Complaint narrative:
ON THE XXXXXXXX XXXX XXXXXX/XX/2023 I WROTE EXPERIAN TO INFORM OF THE MULTIPLE LAWS THEY WERE VIOLATING REGARDING MY CONSUMER REPORT. I ADVISED OF THE VIOLATION TO MY PRIVACY 15 USC 1681 AND THAT I NEVER GAVE EXPERIAN ANY VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. I DO NOT HAVE TO CONTRACT WITH ANY THIRD PARTY COMPANY. I REQUESTED IF THERE WERE ANY CONTRACT BETWEEN ME AND EXPERIAN TO PRODUCE IT IN 30 DAYS AND THEY HAVE NOT. I REQUESTED IF THEY COULD NOT PROVIDE SUCH CONTRACT ALL RECORDS I DEMANDED BE REMOVED, THEY WERE NOT. 
12 USC 1028A AGGRAVATED IDENTITY THEFT. WHOEVER DURING AND IN RELATION TO ANY FELONY VIOLATION ENUMERATED IN SUBSECTION ( C ) KNOWINGLY TRANSFERS, POSSESSES OR USES WITHOUT LAWFUL AUTHORITY, A MEANS OF IDENTIFICATION OF ANOTHER PERSON SHALL, IN ADDITION TO THE PUNISHMENT PROVIDED FOR SUCH FELONY, BE SENTENCED TO A TERM OF IMPRISONMENT OF TWO YEARS.

15 USA 1681 PERMISSIBLE PURPOSES OF CONSUMER REPORTS- ANY CONSUMER CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( WITH WRITTEN INSTRUCTIONS TO THE CONSUMER TO WHOM IT RELATES ). I GAVE NO SUCH PERMISSION! AGAIN I REQUESTED IF SUCH CONTRACT OR PERMISSION WAS GRANTED TO PRODUCE, EXPERIAN DID NOT. 
15 USC 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION - A FINANCIAL INSTITUTION MAY NOT DIRECTLY OR THROUGH ANY AFFILIATE DISCLOSE TO A NONAFFILIATED THIRD PARTY ANY NON PUBLIC PERSONAL INFORMATION UNLESS SUCH FINANCIAL INSTITUTION PROVIDES OR HAS PROVIDED TO THE CONSUMER A NOTICE THAT COMPLIES WITH SECTION 6803. THEY DID NOT PROVIDE ANY NOTICE 15 USC 6802 CONTINUED COMPANIES DID NOT PROVIDE REQUIRED OPT OUT NOTICE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO closed my checking account due to inactivity which is false because I get direct deposit every XXXX weeks from my employer and also use XXXX to transfer money. Not once did I receive a notice that my account would be closed due to inactivity. I believe that they closed my account because they didnt want to pay me the {$400.00} bonus I am owed due to the promotion i participated in and I met the requirements, but one of the requirements is for the account to be open in order for it to be paid. So of course they dont have to pay me if my account is closed but they unjustly closed my account. I want BMO to be held accountable and for them to pay me the {$400.00} that I was eligible for as I met all requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Opening FAKE account in my name ( See this information after the merger between TD bank XXXX XXXX XXXXXXXX XXXX Quote " TD of running a fake account racket, much like the XXXX XXXX scam ) and charging non-payment penalties '' ) - damaging by credit score and mental stress. 

Refuse to take action after numerous calls. 

TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX Credit Card accounts involved : Account Number : XXXX XXXX XXXX XXXX ( original ) Account Number : XXXX XXXX XXXX XXXX ( opened without my permission )

Company response to consumer: Closed with explanation