vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Every week my credit score has been dropping in free fall XXXX or XXXX points since my federal student loan account changed from XXXX XXXX to XXXX. Ive tried contacting XXXX with no success. Im very upset. We are in the process of trying to get preapproved for a house and I have no stability as Im being penalized for this loan account being transferred and even worse its not everyone with accounts that transferred. Besides the gross negligence of this on someones perfect credit history, with knowing that its not being handled the same for everyone the obvious questions are why me and when is this going to stop? Forget getting rectified I have zero faith in that but my credit score has already dropped XXXX points in a little over a month and with no end in sight I just want to know what I can do during this extremely frustrating time. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX MISLEADING FALSE REPORTING XXXX XXXX XXXX Account Number : XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, ACCOUNT NUMBER : XXXX, 15U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2also states a consumer reporting agency can not furnish a account without written instructions. IXXXX THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVEPROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF XXXX REPORT DAMAGING MY LIFE.

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 2023-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Midland Credit Management was served a Notice of Claim and Dispute Affidavit. Accompanying the affidavit was an exhibit regarding their companys violation of my consumer rights and an invoice for those violations, dated XX/XX/XXXX. To present, Midland Credit Management has not rebutted the affidavit nor have Midland Credit Management sought to grant the remedy owed to me, but have acknowledged after harassing me for months and negatively harming my credit score, that in conclusion of their investigation in response to my affidavit, they were removing the account from my credit report. Please see attachments. Enclosed is my good faith with clean hands attempt to resolve this with Midland Credit Management prior to seeking default judgement, pursuant to XXXX XXXX. The attachments include : Tracking information with signature return receipt, Private Notice of Claim and Dispute dated XX/XX/XXXX, Exhibits of Midland Credit Management violating 15 U.S.C 1692, Invoice dated XX/XX/XXXX for 15 U.S.C 1692 violations, and Notice of Settlement Offer dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Block, Inc.
State: TN

Complaint narrative:
Im a small business owner, information was reported to the IRS that was inaccurate. When I reached out to cash app/the company to have the info corrected they have not been able to assist me in the matter, they have not been able to verify my identification. Ive asked them to pull my information using my SSN, but they said they cant do that, but they reported something to the IRS under my SSN that was inaccurate. Ive contacted the company on many occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been in contact with someone over the phone as well as support through the app, they are not able to talk to me about my account. Prior to this they closed my account for no reason. I believe they have mishandled my information, and thats why my account was closed. As a result of the information that they provided to the IRS I now have to pay the IRS {$11000.00}. They reported this for the year XXXX which was the pandemic and my business was forced to be shut down for over half that year. I didnt have any income from XXXX XXXX. Cash app reported I made earnings totaling {$27000.00} for that year. Cash app is saying that they can not verify me, the information XXXX giving them doesnt match their records. The info they asked for to verify me is my legal first and last name, last XXXX of SSN number and birthday. Even had to send in a pic of my ID front and back and a selfie of me holding my ID, they are still saying that they can not verify me. I even pulled my bank statements and all the cash app payments for that year did not add up to the number they reported. I believe someone has mishandled my information at cash app and I need someone to speak with them on my behalf, because I am not getting anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX {$720.00} XX/XX/XXXX XXXX  XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX  XXXX  XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 2023-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: KS

Complaint narrative:
I have been waiting for escrow overage due to property tax payment being refunded back to escrow account since XX/XX/2023. I requested from amerihome via secure message on this date and they told me the escrow overage would be released. 

1 month later in XXXX I called and still no escrow refund and they said they would put in request to the proper team to have the refund sent to me. 

It's now XX/XX/XXXX and still no escrow refund. There is an overage in my account and you need to send me the refund check to my address on file. Stop making me contact you and saying you will do it but nothing happens. Unacceptable.

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 2023-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I only had XXXX account with XXXX  XXXX which is already being settled. All I can think is my ex wife opening in my name during our predivorce separation. These have already been removed from XXXX 's reports from a dispute around a year ago. XXXX of the XXXX has also been removed from my Trans Union 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 non-monetary relief
Consumer complaint received 2023-07-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$720.00} XX/XX/XXXX XXXX XXXXXXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX  XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX {$720.00} XX/XX/XXXX XXXX  XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX  XXXX  XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
In XXXX of XXXX, I have a retail loan through Wells Fargo for a hot water heater through XXXX XXXX. The deal is 61 months no interest with a minimum payment. Upon starting the process in XXXX, the monthly amount was {$85.00}. There were significant issues last month with an erroneous payment and since then they have done nothing right. This month, I go to pay my loan and the minimum payment is now {$120.00} with no reason given and no warning and no documentation as to why the change. I've always paid more than the minimum for this loan and I am ahead on payments. There is no reason for this. They have breached the original agreement on this loan. I asked that they fix it and they never got back 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 monetary relief
Consumer complaint received 2023-07-22 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: FL

Complaint narrative:
In accordance with the the Fair Credit Reporting Act XXXX XXXX account # 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. also states a consumer reporting agency can not furnish a account withought 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 explanation
Consumer complaint received 2023-07-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I only had one account with XXXX  XXXX which is already being settled. All I can think is my ex wife opening in my name during our predivorce separation. These have already been removed from XXXXXXXX XXXX  reports from a dispute around a year ago. One of the two has also been removed from my XXXX XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NE

Complaint narrative:
I told them multiple times that one of my account was compromise and it was hacked I filed multiple disputes to receive my money back. I wrote so many times and requested proper documentation that I'm untitled too that used to denied my disputes with. They still haven't gave me what I requested I filled appeal with them. And they egonored my requests or took proper protocols to keep my money safe. Costed me hundreds of dollars to the point they costed me money and compensation my other account to be compensated also. That financial institution also looked the other way on my disputes as well. They won't provide the request documents I asked for after the denial my disputes.my personal information has been leaked in three data breaches and the credit report agency are not doing there job to protect my credibility after I notify them my personal information been stolen. Or help me correct information on my report. No one help me like they should have been that's why there protocols and registration laws. Now I'm in the negative and credit score shot. I provided all the information I have to shown my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used my debit card was to purchase gas, which came to a total of {$20.00}. Any charges after that are unauthorized. My debit card was lost and I reported it as soon as I could not locate it. Actually I placed a lock on my card and once fraudulent charges were discovered during that time period, I called Huntington bank immediately. Please help me get this situation under control. I do not wish to escalate it any further. The representative that I spoke with reopened my dispute, but my funds were placed into this account for a deposit to purchase my first home, which is quickly approaching. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2023, I began receiving phone calls from a collection agency, which prompted me to do a credit check, where I found a few anomalies on my report.This is out of the norm because I usually pay in cash due to having little to no credit.When I requested a free credit report from the three major bureaus ( XXXX, XXXX, Equifax ) I had no problems with the first two..Equifax on the other hand is giving me a hard time.When I tried to register for an account I was redirected to a error page with a number to call.Their excuse was ; I need to first apply for a loan and a account would automatically be created or send I could send a few documents to them via I'm not understanding this, because their website is stating something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Prior to the last complaint I put in with consumer finance protection bureau I stated and alerted my financial institutions fraud department of the identity theft & fraud that has taken place with my name & social security number that I did not authorize. Before putting a complaint in I tried to resolve this issue with my financial institution which they directed me to go into your nearest branch. unfortunately I did not get the help needed to move further in investigating what is going on with this fraudulent unauthorized account that my financial institution Bank of America joint to my actual checking & savings account that I opened. However the branch I chose to go to denied me access to the information on the savings account that I told them was an unauthorized account. I made police report I also made a report with the attorney general at this point because my financial institution has frozen my legit funds & my legit checking & savings account. Furthermore I called a resolution department on XX/XX/2023. I was told my accounts was being closed my funds are frozen & they could not disclose to me why. This department was of no help. However there was a XXXX XXXX who reached out to me through email in response to the consumer finance report I made stating she was the point of contact & would help on the behalf of Bank of America as a resolution specialist. I emailed her back 3 times I also left a voicemail because I could not get a answer when I called. I have been complying with every law as the consumer & im not being helped & also at this point my financial institution Bank of America is rejecting me not helping & they froze my funds & closing my account with no explanations. Because of this they are causing me a financial burden.

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