vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 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: PR

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 XXXX XXXX XXXX. 
Account name : XXXX XXXX # XXXX, XXXX # XXXX, Midlan Funding # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX, XXXX XXXX de XXXX  XXXX has violated my rights. 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 non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$970.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX  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 believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX - Notified there was a security freeze/fraud on my account when trying to use XXXX XXXX XXXX XXXX  XXXX XXXX 

- Phone Call was placed to Equifax at ( XXXX ) XXXX and was told they could not locate my account. They used my social security, name, and Birthday, but were unable to locate my account. I was informed it would be looked into. 


XX/XX/XXXX - Follow Up phone call to be informed I needed to verify my identity to get a potential fraud or freeze lifted by mailing a Cover Letter, a copy of my Driver 's License, and a copy of my Social Security to XXXX XXXX XXXX XXXX, Georgia XXXX. I was informed it could take a month to receive a response. 


XX/XX/XXXX - Follow-up Phone Call in regards to not receiving any response from Equifax. I was now directed to fax the same information I had mailed to the address I received on XX/XX/XXXX to Fax Number XXXX I was informed I should receive a response or the issue should be resolved in XXXX Business Days. 



XX/XX/XXXX - A fax was sent with the required information. 



XX/XX/XXXX - A phone call was placed to follow up on the fax in which I had heard no response. They could still not locate my account and I was asked again to mail the exact same information that was previously sent on XX/XX/XXXX and XX/XX/XXXX. 


XX/XX/XXXX - A letter was received from Equifax stating : 1. I have not applied for Credit.

2. I have not actively used credit in the past 10 years.

3. I do not live in the US/have not been issued a social security number.

- I have a credit card. 
- I have had my credit ran with XXXX issues since at least XXXX when I rented my first apartment. 
- I was born in XXXX served for XXXX  years and XXXX in the XXXX XXXX, so I am a citizen with a Social Security Number. 

- A phone call was placed to Equifax to follow up about the letter I was sent. I spoke to a man named XXXX. He tried my Social Security, Driver 's License, Birthdate, Current and Past Addresses, and Credit Card Number to still tell me I did not exist. 

- I informed him that I can log on to my XXXX Account without issue and can see my up-to-date Credit Report and Score. 

- XXXX informed me that starting XX/XX/XXXX, there would be a XXXX investigation period in which he would look deeper to find and resolve the issue. I was told I would receive communication from Equifax either from himself or another employee by phone call or email. 

I have still not received any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: PR

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. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 non-monetary relief
Consumer complaint received 2023-01-16 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: Experian Information Solutions Inc.
State: PR

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 XXXX XXXX XXXX. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 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 non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bank of America for their refusal to cash a XXXX. XXXX XXXX, which is drawn directly from the Federal Reserve. This refusal has greatly impacted me as a consumer who primarily uses an online bank. 

According to the law, specifically the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX, financial institutions are required to accept and process electronic funds transfers, including money orders. The XXXX. XXXX XXXX in question is a legally-binding and negotiable instrument, and should have been accepted and processed by Bank of America XXXX XXXX issues. 

Furthermore, the bank 's refusal to cash the money order has caused me significant inconvenience and financial loss. The maximum value of XXXX XXXX XXXX XXXXXXXX is {$1000.00}, and as such, I am requesting that Bank of America compensate me in the amount of {$1000.00} for their failure to comply with the law and for the hardship caused. 

I believe that Bank of America 's actions were in violation of the XXXX and Regulation XXXX, and I urge the CFPB to take appropriate action to hold the bank accountable and to ensure that consumers like me are protected in the future. 

The location of the Bank of America in question is located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2023 at approximately XXXX XXXX XXXX XXXXXXXX was not wearing name tag and refused to understand that the money the bank deals with comes from the Federal Reserve and the XXXX. money orders are drawn from the Federal Reserve. It's the most secured money there is, but not from my experience. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2023-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Citi Bank..I took out a XXXX XXXX..Citi XXXX  Plan XXXX thinking that when they reported my loan to credit reporting agencies that it would raise my credit score..Low and behold they told me afterwards that they do no report loans to credit reporting agencies..My XXXX XXXX was $ XXXX 10.99 % there was also a special purchase which when I called customer service and told them that I was going to pay off the higher interest rate charge, I was told that the balance was $ XXXX.I made a balance transfer to my XXXXXXXX XXXX and Citi Bank received the money on XXXX XXXX.Now their " rules '' are, any payment made with this balance transfer will go to the higher interest charge which is my standard purchase that 0 % ended on XX/XX/XXXX and thats why I did a balace transfer..I see that they want a payment of {$100.00} on XX/XX/XXXX. I called XXXX customer service to say that everything was paid off in charges with the balance transfer and that my XXXX XXXX payment is {$66.00} per month and thats what I'm paying in XXXX ... WRONG!! i have paperwork stating that the higher interest charge gets paid off first ... Well she says, its going to take up to five business days to correct the error and in the meantime that I need to pay the {$100.00}, I said I will not because Citi Bank made the error and all I owe is my XXXX  XXXX ... I cant stand Citi Bank and cant wait to cut up the card..Not reporting my loan to credit agencies and then after several calls to customer service to find out the PAY OFF for standand purchase, was verified at {$270.00} which was confirmed on XX/XX/XXXX ... I have an email from Citi Bank stating that a payment was made to my account on XX/XX/XXXX, they posted it to the wrong account!!! So therfore my XX/XX/XXXX statement is incorrect..Payment in XXXX will be a {$66.00} XXXX XXXX  payment... 
Remaining Balance $ XXXX Monthly Payment {$66.00} Remaining Payments 22 A {$270.00} payment posted to the account on XXXX XXXX XXXX  per Citi Bank email. 
Please let consumers know that they hire people in other countries to answer customer service calls. I called one afternoon and spoke to XXXX, I asked him where are you speaking to me from... He said XXXX and that he had just clocked on to work and it was XXXX in the morning in XXXX XXXX I spoke to XXXX on XX/XX/XXXX at XXXX and he verified the balance transfer, I requested that he send me an email stating that I only owe XXXX XXXX he never followed through like he said he would. I called on XX/XX/XXXX at XXXX EST to XXXX on the phone and on hold for over 25 minutes trying to resolve once again an issue with Citi Bank and their customer service obviously no taking notes as to my numerous call about this balance transfer ... BAD company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/2023, our client made a payment of {$2100.00} towards the total cost of her projects needing done in her home. These projects are to be done in a short time period because she has to have an inspection to sell their home. Funds are supposed to be available immediately but they were not for this transaction. I was notified that there was a review and it would be a day or two until it's available. The next day, it's still not available ....

So I message Square through the help section. They tell me there is nothing they can do and I'll have to wait. I INFORM THEM THAT AFTER THIS TRANSACTION, ID LIKE TO CLOSE MY ACCOUNT DUE TO US LOOSING CLIENTS BECAUSE OF THIS. Keep in mind, we are on a timeline and this is wasting precious time. This money included the funds to purchase material for her jobs. Right as the funds should be made available ..... I get a message about possible fraudulent activity and they are holding the money yet another 2 days. Next day comes ...... I decide to call them. The gentleman was helpful. He reached out to the higher ups and then told me it would be available today XXXX XXXX. I'm still sitting here impatiently waiting. So I call AGAIN. Because at this time, we are about to loose ANOTHER client. Long story short ..... He tells me that it will be ANOTHER 1-2 business days for them to complete the review. In the review they asked questions like " have you met this person '', seriously?? She input the info from the link I sent to them from SQUARE. MULTIPLE TIMES I HAVE TRIED TO HANDLE THIS With THEM. NO RESULTS, JUST LIES, FALSE FACTS AND I TRULY FEEL THEY ARE MESSING WITH ME BECAUSE I SAID I WANT TO CLOSE THE ACCOUNT. I Need MY CLIENT MONEY. NOW. NOT ANOTHER EXCUSE AS YO WHY YOUR HOLDING IT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Synchrony closed my account without notice. The account was not in bad standing. All payments were and are being paid. There was no reason to close my account and destroy my credit

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 2023-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV FUNDING LLC ( XXXX XXXX XXXX XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$620.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 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: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-17 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: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Commenity Bank starts calling me promptly at XXXX most days. I block a number and they use a different one. They call me an average of 7 or more times per day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  These inquiries do not belong to me

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