vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 
XXXX XXXX XX/XX/XXXX {$2500.00} XXXX  XXXX XX/XX/XXXX {$1700.00} 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-05-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter out on XXXX XXXX to XXXX, XXXX, and Equifax. 

Here are the following tracking numbers : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter out on XXXX XXXX to Experian, XXXX, and XXXX. 

Here are the following tracking numbers : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
Back in XXXX, my original CashApp, XXXX XXXXXXXX, was closed for violating terms of service. I used both live chat and phone call support lines to attempt to resolve. Both support agents told me they had no additional information, and I would receive a follow-up call or email from the escalation team in order to attempt to recover my account. No follow-ups ever occurred. I made a new cashapp, XXXX XXXX, in XXXX. I have a CashApp card and I use it regularly. Today, XX/XX/2023, between me buying lunch at XXXX ( EST ) and attempting to add funds to make a purchase at XXXX XXXX XXXX XXXX, my account was once again arbitrarily closed with a generic response of youve violated the terms of service. After reviewing the terms of service again, I do not see where I violated the terms. I contacted live chat and phone support simultaneously. Live chat stated they escalated the issue once again. The phone support stated they could escalate the issue, but I explained the issue was never resolved with my previous account and asked them to please transfer me to a manager. I waited in hold, and they returned after an extended period of time to tell me that there was no manager available and I could continue to hold or I could allow them to email it. I confirmed my email, again lamented that no one ever followed up on my previous account, and allowed them to escalate the issue once more. CashApp is a convenient tool, one of which I enjoy using, but after having two accounts arbitrarily closed Im extremely disheartened. The support system and channels available are not conducive to an actual resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Hard Inquiry Removal Request There are a couple of inquiries made by XXXX XXXX  that should be counted once, T

her efore one of the two of the same inquiries should be removed from my credit report. The Law clearly states that : *_Multiple inquiries of the same type and made within a short period of time may only be counted once. ( Please see above ) If Companies can place ONLINE anything they want in Peoples Credit File without verification, subsequently and fairly the owner of such Credit File should be able to do the same and use ONLINE services to dispute these Companies ' claims. _ Equifax DENIED me the right to dispute a Hard inqu iry by XXXX XXXX from Online services ( Please see above )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
I was called at random by a debt collector called Wakefield Associates, saying I owned over XXXX dollars and had 6 invoices. They when I visited the hospital on XXXX XXXX and I rebutted by saying that I was not even there for an hour so I why is it XXXX dollars? I went to the hospital that day for an XXXX XXXX. All the doctors did was tell me what I already told them, gave me XXXX and sent me on my way. I had owned over {$600.00} to the hospital at one point for this but those charges were dropped. I shouldn't have to pay anything! I need this disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
about a year ago my service was canceled with XXXX XXXX XXXX XXXX  amount at that time was around XXXX I had no cable the service was canceled due to me being out of work due to XXXX so now this account has gotten sold to a company called XXXX who constantly calls me from numerous numbers they called me 4 times today XXXX from XXXX approximately XXXX XXXX back to back XXXX and XXXX they called me saturday from XXXX at XXXX XXXX i spoke to someone on XX/XX/XXXX approximately XXXX about how im not paying almost XXXX when my service was cancelled at XXXX i told her to no longer call my phone this company uses multiple numbers that are not linked to them uverse is no longer a active service with XXXX XXXX XXXX  any more i have XXXX and i dont appreciate these tactics at all i told them this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
This account was fraudulently opened by my business partner using me as a personal guarantor I did not consent to this account being opened in my name. 

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 2023-05-31 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: MD

Complaint narrative:
I HAVE NOT CONTRACT ANY SERVICES WITH THIS COMPANY. I DON NOT KNOW THEY RECEIVED MY INFORMATION. 
I C SYSTEMS INC BALANCE REPORTED : {$660.00} REPORTED ON CREDIT BUREAUS : XX/XX/2023

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an ID theft problem and I can't even keep up with everything that is going on. It's on my credit report that I disputed my XXXX Credit card and I didn't. Basically, it was a fraudulent complaint. This ID theft person or group of people do stuff like this to confuse the issue. There are so many other things. It's just too much to deal with.

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 2023-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX a savings account was opened at Wells Fargo Bank on XXXX XXXX XXXX  XXXX Arizona. A cashiers check was deposited in the amount of {$140000.00}. The purpose of opening the account was to pay taxes owed in XXXX. This was explained to the Branch manager who made the funds available. On XXXX XXXX a wire of money was attempted to the XXXX Government account. Wells Fargo fraud security department notified us that our account was frozen, we were not worthy customers and they would close the account on XX/XX/2023. I have contacted the following people at the Fraud Department of Wells Fargo. XXXX, XXXX, XXXX and XXXX all within a few days of receiving the letter. Note that no employee would give a last name or employee ID number. I then filed a consumer complaint with the AG office of Arizona. An individual named XXXX XXXX contacted me and stated he was assigned the case and would assist to remedy. XXXX XXXX ( Executive Office Case Specialist ). XX/XX/2023 he sent an email stating it would be 10 days to research this complaint. I contacted him by phone and explained the need of the monies to be released to pay taxes due. Once he became involved Wells Fargo Fraud unit then advised me that they were now holding the funds until XX/XX/2023 because I might put a stop payment on the check they had already cashed. This is obviously retribution by the Wells Fargo Bank Fraud Department for filing a complaint. Thus in turn the employees who have been involved are themselves committing fraud and need to be held accountable.

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 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Hey I was denied a credit extension through this company and by law they hall not refuse to extend a individual credit through them I know the underwriter making a deciding factor but it not a factor to Deny me a credit extension and that they are false advertising and misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Zions Debt Holdings
State: IN

Complaint narrative:
An account was disputed and removed due to non validation. It was transferred and re reported even after being removed previously. 

Requested a debt validation and contract in writing with wet signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company : Bank of America. 

I tried to change my checking account address after I moved. In the bank of America app, I was able to change the mailing address but I was not able to change the physical address. And I contacted bank of america customer service, they told me I need to go in a financial center in person in order to change the physical address. I went in on XX/XX/2023, at XXXX, and one manager assisted me and he told me he successfully changed my physical address. That's a lie. Because I found out two days later my physical address is not updated. Then I called them again, and this time one customer service told me the manager from Bank of America didn't do nothing and I am not able to change my physical address because my physical address was oversea when I set up the account 5 years ago. And now they told me I can not change my address, because I am a XXXX XXXX. Although I don't own the propoerty, why should I keep the same address? Bank of America lied to me and discriminated against XXXX XXXX Why ameicans can change address but legal XXXX  can not? I need them to appologize for wasting my working hours, lying to me and discriminating against XXXX XXXX And I want to change the physical address.

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America prepaid is a complete fraud! I made two disputes because I didnt realize there were more charges from the same company that was fraudulently taking money out of my account. My first dispute was resolved in my favor, and then the second one was denied. How is that even possible? Because it was for a larger amount that they didnt want to pay? It was from the same exactly company that they found was in my favor for the first dispute. I am now in the process of a 45 day review to look at the decision. This is ridiculous!!!! I want my money back!!!! Look into the situation like you are paid to do, otherwise I will be taking steps further to ensure this gets resolved!

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX/Chase opened a charge card under my dead husband 's name. XXXX XXXX  XX/XX/XXXX. They won't cancel the credit card. They said they need more info to get into the card. I will not provide them with any info. We only have had a XXXX card for XXXX  years. There is no other bank and we never dealt with Chase ever in the past. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX They wanted my husband 's mother 's maiden name. I was reluctant. They said this card was opened in XXXX and last used in XXXX. That's impossible. I was the only person paying our bills.XXXX  had XXXX XXXX  and this is so wrong. This must be a scam. I don't want any closure of a credit card to ruin my credit rating. They insisted on private information. There's something very wrong. 
The credit card statement is {$0.00} balance but the idea they are bogusly sending a statement must be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Army and Air Force Exchange Service
State: CO

Complaint narrative:
I have loans that are over XXXX XXXX XXXX from like my military star card which I was swore. I paid off. I've been paying you even though I'm not sure if I even owe them. 
There's got to be some way I can Settle it since it's over XXXX XXXX XXXX. 
I also have other debts that are over a XXXX XXXX XXXX. That should be taken off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
I spoke with a representative in regards to my recent payment. In which, I told him I could make payments this month. However, When I explained to him we would need to further discuss issues arising of me making future payments. Due to me going on maternity leave and I wouldnt have any money coming in. He got quiet and stated there wasnt anything he could do to assist me with that. I asked to speak with a supervisor or a higher superior to discuss this matter. He then placed me on hold without telling me to hold on! I stayed on hold for five minutes listening to company music and never heard back from the representative its like he left me on hold hoping I would hang up. He was rude and got disgruntled when I asked about any programs to assist me while I will be out of work. I dont know how a company can not understand you will not be receiving incoming money like usual. This is not the emotional stress a person need during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: Carvana Group, LLC
State: CA

Complaint narrative:
Someone is using a lost ID and attempting to apply for credit/loans showing up as hard inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services
State: NC

Complaint narrative:
lendmark is incorrectly showing an old account on XXXX. i check my credit daily and i see two lendmark accounts opened and that is against the law i am sure

Company response to consumer: Closed with explanation