vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: NJ

Complaint narrative:
I have sent numerous letters to Equifax credit bureau to dispute inaccurate information on my credit report. The first letter was sent on XX/XX/XXXX, with my photo id, social security number, and proof of address. The most recent letter was sent on XX/XX/XXXX, and the bureau is not responding or updating any of the disputed information. Each time I sent a letter I waited 30 to 45 days before checking my bureau credit report. I do not understand why the credit bureau is refusing to process my request. I know there might be delays at times, and I even tried to give them the benefit of the doubt for that. There is still inaccurate information reporting on my report. I have included a copy of all of the letters I have sent to the credit bureau with this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023 I used my Citibank online banking services to request a stop payment on a check to pay credit card bill. I had sent the check in the mail 3-4 weeks earlier and the Citibank credit card company hadn't received it.

The system communicated twice that once I requested the stop payment on the check, I could not undo the action. I acknowledged this. 
Then AFTER I completed the request, I got a message saying that I would be charged {$30.00} for this action. 
While I think {$30.00} is a lot for a stop payment on a check, I am not asking for the money back. I'm requesting that customers be informed, BEFORE completing the transaction that there is a {$30.00} fee involved. 

I also called Citibank customer service to register my complaint, though I am not certain anything will be done about it.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX vs. XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-07-10 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
In XX/XX/2023 XXXX XXXX XXXX arbitrarily closed my checking, savings, and credit cards account. I had been a client of XXXX years. 

They did not provide me with an exact reason as to why, though this recent XXXX XXXX XXXX article is the citation I found myself in : XXXX XXXX XXXXXXXX As a result of their actions I had to open new checking, savings, and credit card accounts at new banks. 

Also, and more importantly, due to their actions, my credit score has declined from a solid. XXXX to around XXXX. 

It is now more expensive for me to acquire loans, credit cards, etc. 

I feel my credit score should be restored to its XXXX value.

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 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
On XX/XX/2023 an apartment complex in Arkansas- the XXXX XXXX XXXX XXXX XXXX -called me to tell me I had rented an apartment. I had not. I told them that they had the wrong person, that I live in Georgia and never been to Arkansas, and therefore had not rented an apartment. They said they would need some information from me to address this situation. Figuring this is a phishing call, I told them I would not be giving out any information. I stressed that they had the wrong person and to stop calling me at the law firm where I work. Today, XX/XX/2023, I received a collection notice from XXXX XXXX XXXX XXXX stating that I owe {$80.00} to XXXX XXXX , an apartment complex in Arkansas. This is a fraudulent claim. I called the number on the notice and when I yet again refused to provide personal information, the woman on the phone started yelling at me. I believe both of these entities are fraudulent and they try to prey upon ordinary people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
On XX/XX/2023 I verified my checking account with Square in order to receive a payment from an invoice I sent out using their products. After a week of not being able to transfer out the funds, I called Square support and was told that my account, which had always been in good standing, was deactivated and my issue would be escalated to Account Services and that I would receive a call back in 24 hours. I never received a notification of account deactivation and I never received a call back. 

I called in every single week from then forward and got the same response until Thursday XX/XX/XXXX when a rep named XXXX recognized an issue on the Square side and would escalate my issue again. She continued to email me that Account Services had not responded until I emailed again on XXXX for an update and recieved a boilerplate response from Account Services that my account had been deactivated. Who would have thought?! I still have not received any information on the funds that are trapped in the account and feel I have run out of resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: NY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted. 
from an alleged identity theft, not later than 4 business days after the date of receipt 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer. 
reporting agency can not furnish an account without my written. 
Instructions

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 2023-07-10 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: CT

Complaint narrative:
I disputed the referenced accounts below and ask that they be verified and validated and they were neither verified or validated accurately. TransUnion is in violation of many of the FCRA laws which will be brought up in court if the errors are not corrected. Due to TransUnions lack There of investigating I want the accounts removed. The accounts have been reporting inaccurate information consistently and fails to do the right thing. According to FCRA all information must be ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX inaccurately reporting information and this is a violation of the FCRA and they can be fined or pay fees due to this. 

XXXX -inaccurately reporting information and this is a violation of the FCRA and they can be fined or pay fees due to this. charged off account consistently reporting a balance monthly also XXXX inaccurately consistently reporting information is a violation of the FCRA Credit usage - % credit usage unavailable Balance {$650.00} Balance updated XX/XX/XXXX Credit limit SO Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Professional debt mediation- consumer reporting agency failing to verify and validate also inaccurately consistently negatively updating information is a violation of the FCRA

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 2023-07-10 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 matter still has not been resolVED. PLEASE REMOVE THIS INACCUARET LATE PAYMENT

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 2023-07-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent out dispute requests on XXXX XX/XX/2023 and XX/XX/2023 to Equifax regarding account number XXXX. There are SO many discrepancies with this account, that it is XXXX that is can not be properly verified. I even requested a method of verification and Equifax has XXXX to provide me with that information. 
This account is being reported differently across ALL XXXX bureaus, and until XXXX of them can provide proof that they are reporting it correctly, THEY ARE ALL REPORTING INACCURATE INFORMATION. 
For instance, with this particular account, I am current on payment in XXXX but suddenly in XXXX I am 60 days late???? There are no more than 31 days in any given month, HOW IS THIS POSSIBLE?? This happens XXXX from XXXX to XXXX- I am supposedly 120 days late in XXXX but then 60 days late in XXXX? That is physically NOT possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX pulled a copy of my credit report without my permission on or around XX/XX/XXXX, XXXX so i reported them to my state attorney general 's office. the north carolina department of justice. they failed to reply to the north carolina department of justice. i think that is kind of sad and bad on their part. they are not supposed to contact me anymore and have a cease and desist on the account.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX  pulled a copy of my credit report without my permission on or around XX/XX/XXXX, XXXX so i reported them to my state attorney general 's office. the north carolina department of justice. they failed to reply to the north carolina department of justice. i think that is kind of sad and bad on their part. they are not supposed to contact me anymore and have a cease and desist on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Called deparyment of education they refuse to discuss or discharge loans to XXXX to refund remainder they said would from vlass action suit agaonst college that was settled XX/XX/XXXX i paid off loans XXXX XXXX XXXX college witheld information that impacted hundreds of students school contacted me in XX/XX/XXXX to inform of refund XXXX sent me partial refund and a letter that they were processing remainder of loans but still have no srnt Dept of Education wnt discuss just keep saying they are processing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: OH

Complaint narrative:
On XX/XX/XXXX; submitted a dispute regarding Equifax not adhering to my consumer rights and correcting incorrect information on my credit report. Prior to that I had submitted two disputes with Equifax for requesting my information be corrected. The first time I sent out letters requesting the errors to be corrected was on XX/XX/XXXX and then again on XX/XX/XXXX. I advised CFPB of this violation and that all three bureaus had the incorrect information and was refusing to comply and fix the issue by submitting me stall letters asking me verify my information and accusing me of using a third party. If you refer to complaint # XXXX for Equifax that was submitted to your organization on XX/XX/XXXX ; I uploaded the letters I sent out to all three bureaus and the stall letters of requesting me to verify my identity ( which I did twice with a recent bill and my driver 's license ) and a second stating that I was using a third party or credit repair. 

I have now attached another letter that Equifax is using to stall. We are well past their time to correct these errors and my next step is to file a suit as my rights are continuously being violated. I have since received another later from Equifax requesting me to yet again verify my identity. How many times must I submit the same information? Who is collecting this information? Is this not a privacy violation? Please looking into this matter. They now have 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: NM

Complaint narrative:
XXXX, XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that 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
Consumer complaint received 2023-07-10 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: NM

Complaint narrative:
XXXX, Equifax and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
There were several checking accounts that were allegedly opened up and seem to have been defaulted on. I need assistance with this issue as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX BB and T- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX The banks above I have no connection to. Suntrust Bank, however, is a bank that I have been connected to but the balance seems to be off and incorrect. 

Suntrust Bank- XX/XX/XXXX Please, if you all would be able to investigate or remove that would be ideal and great. It's been difficult to open an account and move on life. 

Should you all need any assistance please let me know. 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 2023-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX ( XXXX ) I received notifications from XXXX of my banks that information on my credit report had changed. It appears that someone applied for XXXX or more credit cards using my information. 

As of today, XX/XX/XXXX, the following is true : XXXX shows a hard inquiry on XXXX from XXXX XXXX XXXX XXXX XXXX shows a hard inquiry on XXXX from BK OF AMER I've made the following calls today, XX/XX/XXXX : To XXXX- they confirmed that an application had been attempted and said they would resolve the matter on my behalf, including a letter to the credit reporting agencies stating that the XXXX inquiry was not made by me To Bank of America- they were unable to provide any information on the hard inquiry. We agreed that my best course of action was to call XXXX and dispute the inquiry To XXXX- I successfully filed a dispute of the hard inquiry from BK OF AMER and placed a fraud alert on my account. They recommended that I create a case with the FTC, which is what led me here to create this 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 non-monetary relief
Consumer complaint received 2023-07-10 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:
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 : XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX 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 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 an 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: Experian Information Solutions 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 Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX 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 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 an 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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