vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 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: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: GA

Complaint narrative:
I am writing to request your assistance in resolving an issue regarding a {$200.00} transfer made through Cash App to my XXXX XXXX account on XXXX XXXX XXXX I have encountered difficulties in tracking the funds, as both Cash App and XXXX XXXX deny having received them. 

According to my Cash App statement, the transfer to my XXXX XXXX account ( XXXX ) was completed on XXXX XXXX XXXX. However, upon reviewing my XXXX XXXX statements, there is no record of a {$200.00} deposit. I have contacted both Cash App and XXXX XXXX to resolve the issue, but both parties maintain that they do not have the funds in question. 

I am requesting the Consumer Financial Protection Bureau 's intervention to help me track down the missing {$200.00} and ensure its proper deposit into my XXXXXXXX XXXXk account. Please find attached my Cash App and XXXX XXXX statements, which substantiate my claims. I hope that your involvement can expedite the resolution of this issue and help me recover the missing funds. 

I appreciate your attention to this matter and look forward to your prompt response. Please do not hesitate to contact me if you require any additional information or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: UT

Complaint narrative:
I was very disappointed how US bank handled the situation I had problems with US bank a long time ago and they are just arent a good bank to bank with charge a ton of fees so I had issues closing my account so I had my father who is no longer with me close my account and went to a different bank they just werent very helpful the people at us bank werent very nice just wanted to let you know how we were treated I wish us bank could have handled things better hope this wont happen again and it wont because we wont be doing business with us bank at all

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 2023-04-12 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: NC

Complaint narrative:
I am certifying and contesting that this letter has been sent with my free XXXX. I am contesting out of good will and faith that I have not hired any third party to communicate on my behalf. 
I am an identity theft victim. This item that appear on my credit report do not belong to me. Due to you all reporting this item and incorrect information on my report, I am in fear that this will cause even more identity theft and harm to my credit reports. As it is your due diligence as a reporting agency to make sure that what you are reporting is ACCURATE. 

This letter is in request that you all follow suit with section 605B ( 15 U.S.C 1681 C-2 ) which states that you are to BLOCK these fraudulent account off my reports within FOUR days of receipt of this letter. I am asking that you all remove this items off my report within FOUR business days of receiving this letter as they do not relate to any transactions that I have made. 

1.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 2023-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: NC

Complaint narrative:
I am certifying and contesting that this letter has been sent with my free Will. I am contesting out of good will and faith that I have not hired any third party to communicate on my behalf. 
I am an identity theft victim. This item that appear on my credit report do not belong to me. Due to you all reporting this item and incorrect information on my report, I am in fear that this will cause even more identity theft and harm to my credit reports. As it is your due diligence as a reporting agency to make sure that what you are reporting is ACCURATE. 

This letter is in request that you all follow suit with section 605B ( 15 U.S.C 1681 C-2 ) which states that you are to BLOCK these fraudulent account off my reports within FOUR days of receipt of this letter. I am asking that you all remove this items off my report within FOUR business days of receiving this letter as they do not relate to any transactions that I have made. 

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 explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Chase credit card was closed by Chase with no explanation. When I called to ask, they would not let me know why they closed my account. I would like the following : 1 ) An explanation of why my account was closed, and 2 ) Credit of the {$95.00} annual fee that I paid and now do not have use of this card. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CA

Complaint narrative:
I acquired a service for my home in XXXX ( XX/XX/XXXX ). The work order form noted what service we received and that it would be {$7900.00}. I was informed that the loan would be facilitated through the Castle Credit Finance company who would send a letter that would go into more detail of what the loan entailed, the payment process, account number, etc. In XXXX, I called the company, inquiring on my account since I never received a packet, any letter, or email regarding my loan. And given that the work order noted my first payment was in XXXX  months, I wanted to check. 
Discussing with a representative named XXXX, from XXXXastle Credit, I learned what my account number was and that they had written my XXXX # incorrectly. I was assured that I would receive the packet. I never did, nor an email. In addition, and most importantly, XXXX assured me that the payment was not due until XX/XX/XXXX. I was dubious and asked for clarification, particularly if it meant " no interest being accrued. '' She confirmed that XX/XX/XXXX was due date and no interest would be charged. 
I received a letter on XX/XX/XXXX notifying of my new balance ( {$8100.00} ) and was bewildered but also annoyed. Why is it going up if I was informed, by a member of the company, that no interest would be accrued until after the due date passes? I wasn't pass due and I have had no fees. Since I never got a welcome letter, I was not informed in writing how the interest was determined. Their online account bears none of that information. No documents or terms and conditions. 
Castle Credit prefers complaints to be written in writing. After no response for 2 days and noticing that my balance is going up, I called the company ( XX/XX/XXXX around XXXX ). I spoke with XXXX and expressed my frustrations. I felt patronized as he informed me of " how loans work '', even though I had emphasized that a member of their company misinformed me and that the company failed to be transparent about their process. He said he can't do anything, I have to just pay the monthly. Further demonstrating to me that he isn't listening to me-I can pay the entire balance but waited with the impression that it was not due until XX/XX/XXXX. This company needs to be held accountable-particularly with being sure that there workers are not misinforming clients with information that can have financial repercussions ( but of course it benefits the company ) and also with clearly providing documentation to clients ( whether it is online or through the mail ). As I mentioned, I only ever received a work order and XXXX summary of my account which I read and noted how interest is accrued. But this letter came in XXXX and I had an account with the company since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
12 USC 1813 PLEASE REMOVE AND CHANGE TO PAID IN FULL AND RETURN ANY FUNDS DUE BACK TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: GA

Complaint narrative:
The FTC report was sent to Equifax ( see attached ) as they requested, and the inquiries still haven't been removed. See the report. Please remove inquries that were not authorized. 

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/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 XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been trying to get A mortgage from company for years nothing happened except my credit score went down every time I was turned down for mortgages I was also informed that XXXX XXXX is not A Lender XXXX XXXX is A insurance company this month I got A call from XXXX XXXX XXXX asking about my credit score going up then he ask to check mt credit in which I believed him but I later found out that whike paying off my debts i am back where I started and XXXX  XXXX lowered my credit on purpose I want no more communication from this company or phone calls I have blocked XXXX XXXX from my phone and unsubscribed from all future emai

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 2023-04-13 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: TX

Complaint narrative:
have previously reached out to Equifax with my concerns. Unfortunately the company 's investigation into this matter was not to my satisfaction. Please be advised that this is causing me financial stress/damages. Equifax 's failure to provide an appropriate legal and lawful response will result in further action. In the event that Equifax fails to provide such response within 14 calendar days will be perceived as the company 's acceptance that these debts are not valid. Please verify, validate and document that I am LEGALLY obligated to pay these alleged debts. A previous response of " been verified '' will not be accepted as an appropriate, legal nor lawful response this time around. PLEASEREMOVE THE FOLLOWING IMMEDIATELY XXXX XXXX  # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX PXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  XXXX account XXXX, has violated my rights.

15 U.S.C 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

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 2023-04-12 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: Synovus Bank
State: MD

Complaint narrative:
My credit score dropped drastically XXXX points this month because of 1 inaccurate reporting to the credit bureaus. 

On my application there was a box I checked off that said I am certifying that I am over XXXX and want all relevant emails for this account. All the necessary contact information was provided. 

That has never been done. They havent given me any notice beforehand of any problem. 

It would have been different if I had ignored their emails. They can not show that 30/60/90 Day period I was made aware of any problem and that I kept ignoring them. They did not give any notice of any type. 

I am protesting their money grabbing tactics to make money. I feel exploited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TN

Complaint narrative:
Over XXXX $ worth of charges to my cash app card that was tied to my bank account by a company called XXXX XXXX XXXX XXXX XXXX. These are unauthorized charges to a social casino. I was instructed by cash app to file disputes for these charges and there are lots of them most are only XXXX $ and up to XXXX $ at a time. So there is a ton I was told to dispute each transaction which took forever but then the denied them, they told me to refile the disputes 2 more times but still denied them. I contacted the merchant ( XXXX  ) they have instructed me and emailed me back stating they are not disputing the refunds they simply are waiting for cash app to send the charges back to them and they will refund them back to cash app and then they can release the funds back to me. However, I can not get anyone from cash app to help me. Everytime I call, email or chat with cash app they are just giving me the runaround. They say XXXX needs to initiate the refunds, XXXX states cash app needs to. Meanwhile as I live in XXXX XXXX tn where we were just hit with a EF3 tornado and left in peril I tell you this is ridiculous. Ive shared all the information from the merchant with cash app. Im told a supervisor or manager will reach back out to me but I never hear anything, I call and email but only response I get is a standard email that accomplishes NOTHING. I think its because there are so many of the transactions that neither cash app or the merchant want to take the time to actually issue the refunds. Thats my guess. However the merchant has emailed me several times telling me that cash app can reach out to them directly to facility the refunds but hasnt received anything from them. Im attaching some of the charges not all because its so many but they have all this information and including the email responses from the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
They claimed to be from Wells Fargo and some from South Carolina was trying to get a XXXX payment from me and I had stated no I did not know this woman and this man said he would stop it from going through issue me a new bank card and come to find out he was the scammer. I received the fraud detection alerts on my phone XXXX XXXX XXXX  and it says please call XXXX as soon as possible and that's exactly how it went down. On XX/XX/XXXXXXXX XXXX  to W F on XX/XX/XXXX XXXX # XXXX IN the amount of {$1600.00}

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 2023-04-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX XXXX account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy. 2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions. 3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. These items must be DELETED immediately and a rapid re-score is requested. I have written to all of these agencies multiple times especially XXXX XXXX XXXX asking them in writing to please validate this debt with a copy of any signed original contracts or agreement with in 30 days. I have not received anything from them. Ive even called all 3 major credit reporting agencies and still have had no action on their part. Ive put a fraud alert on my social security number. Ive submitted proof that I filed a fraud report and they have refused to remove these items that are not mine. All they are doing is calling me nonstop since Ive sent them a written dispute with updated information.

Company response to consumer: Closed with explanation