vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked the status of an old account and it stated that it will be on record until XX/XX/2024 but the on record date has been removed. I took a screen shot last year when it showed the On record Until date.

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 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please review the attached documents. I urge the bureau to begin an investigation into these accounts, as I am consistently on time, and yet they are being inaccurately reported.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

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. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Dave Operating, LLC
State: CA

Complaint narrative:
Card appeared in the mail in my name without my request or knowledge. Contacted company and can not get a live agent on the phone. Refuse to activate card in order tot talk to an agent. Want account closed due to fraud. Unsure how account would be opened as i have an active freeze on all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank XXXX  XXXX XXXX, MA Checking Account Six / Seven Day Hold of Check XXXX XXXX a six day hold on a {$2300.00} check deposit. My records show the money left the other account on XX/XX/. I asked several bank representative at TD why a 6 day delay on the deposit on XXXX XXXX / XXXX. The bank stated in a video recording the six day hold on a checking account deposit is a TD bank standard for new TD customers. I asked the bank to produce the banks literature on this universal standard to share with the FDIC, Federal Trade Commission and Massachusetts State legislature. The bank representative looked on the computer for five to ten minutes to produce these in print and could not find the specific standard in writing. 

I think the six day delay of the deposit is to produce an overdraw fee as a predatory fraud scam. It is my understanding when setting up this specific checking account the bank would block an overdraw charge. Instead the bank did not make me aware of the deposit hold formally in writing until XXXX / XXXX / XXXX  and allowed several transactions to go through creating overdraw fees to profit and create a anxiety in me the bank customer to effect as further psychological advantage in further interactions ; will my check clear in a normal time frame or will I have to wait six days? This kind of unusual delay on a deposit is predatory. The banks new explanation is that the check deposit hold is dependent not on a universal TD bank standard of new customers but my own credit. 

From my understanding my credit is good. I have never had a six day hold at any bank before. The hold on the deposit is now up to 7 days stated in a letter issued on XXXX / XXXX / XXXX  ; the day I placed the check deposit and confirmed it left the first account. 

There is no mention of a standard six day hold / delay of all new TD checking accounts deposits claimed by TD Bank in the video recording stated by the bank representatives in this letter. Attached is the video where the TD employees assure me a six day hold is standard of TD bank. Still no specific evidence from the bank confirming this universal six / seven day standard. I would like to press this issue legally if possible. No bank in the United States should stop a check from being release six days as a standard ; it should be three day. Six to seven days is predatory and toxic to the economy. 

Below is a link to the above mentioned video : XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
MULTIPLE REQUESTS SENT TO AMERICAN EXPRESS TO CORRECT THE ADDRESS AND REFRAIN FROM USING FALSE ADDRESSES AND INFORMATION. HOWEVER, PER THE STATEMENTS/CORRESPONDENCE PROVIDED BY AMERICAN EXPRESS , AMERICAN EXPRESS IS CONTINUING TO USE A FALSE AND INACCURATE ADDRESS FOR THE CONSUMER 'S PERSONAL INFORMATION DESPITE REPEATEDLY BEING GIVEN THE CORRECT INFORMATION AND BEING REQUESTED TO REFRAIN FROM THIS INTENTIONAL ERROR. THE INTENTIONAL ERRORS INCLUDE : USING KNOWN MISINFORMATION ; USING UNKNOWN ABBREVIATIONS AND MARKINGS NOT APPLICABLE TO THE CONSUMERS ADDRESS NOR PROVIDED TO AMERICAN EXPRESS BY THE CONSUMER ; INTENTIONALLY USING FALSE INFORMATION DESPITE REPEAT ATTEMPTS TO CORRECT THIS ISSUE. PLEASE SEE ATTACHED NOTICE TO CORRECT AND PROOF OF CONTINUED INTENTIONAL ERRORS BY AMERICAN EXPRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have requested the information on the original debt and proof of debt ie : original contract with my signature. Amount of original debt. What products were purchased and proof that i purchased these items. Itemized list of everything owed.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX for {$260.00}. I do not have a contract with National Credit Adjusters, and was not provided the original contract as requested. A request to remove this illegitimate account from my credit report has been submitted several times but the furnishers of information continue to claim this account has been verified without providing proof of investigation and findings. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
We created a square account for our business a few months ago. We accepted our first payment using the square account on XX/XX/XXXX. Once we accepted the payment we received emails from square saying that we need to verify our business. We followed all the steps and were told we would have to wait until they reviewed our information before we are able to access the funds. A few hours later we received an email from square saying that they are deactivated our account because they are not able to support our business needs and that we will have to wait until XXXX XXXX XXXX  to get our money that is in our square account back. I tried to contact square because their reasoning for deactivating our account was very vague. I had to call from a different number that was on our account because they refused to answer when they recognized the number. I used a different number and the rep told me that she's unable to provide me any details because its against their policy to tell me the actual reason they deactivated my account and there's nothing they can do about getting me my money earlier. I tried asking her another question and she hung up on me and sent me an email basically saying that my account is deactivated. Her name was XXXX XXXX XXXX went to the XXXX website after and saw thousands of of complaints from other businesses that have went through the same thing as me and they're saying that square is refusing to help them. Square should have asked me to verify my business when I initially created my account, that way if they felt like they couldn't support my business needs ( for whatever their reason is ) then they could have deactivated our account then! But they waited until they had our money in their account and then they deactivated our account. I have seen many complaints from other businesses that say even after they waited the 90 days, they were still unable to get their money back from square. Some say they have waited 180 days and have still yet to receive their money. We are a XXXX owned small business and we are being treated unfairly by this company called square. This seems like a ploy to keep our money on their books to fund their own companies needs. We are a XXXX  owned small business, we can not afford for our funds to be held by a major corporation for no reason!! We have a business to run and without those funds we are at risk of losing our customers and our business. I don't care to do business with square anymore, i am not asking for my account to be reactivated, all I am asking for is to have my money that is being held by square to be released to me immediately! In the email they said that once our information was verified we would be able to transfer our money out, that was a lie. our information was verified then they deactivated our account and is holding our money our money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I contacted the Dovenmuehle Mortgage , Inc and speak with representative XXXX XXXX at extension XXXX to verify the payoff amount for my mortgage. He confirmed that the amount to be sent by wire was {$61000.00}, which I sent immediately. However, when I followed up on XX/XX/XXXX to check if the payoff had been received, I was transferred to different representatives who gave me conflicting information. One representative informed me that they had not received the payoff, while another suggested that I still needed to pay with higher interest rates. The third representative, XXXX XXXX, confirmed that the payoff was received but was short for taxes. She suggested that I pay an additional amount of {$1300.00}, which I did. 
However, on XX/XX/XXXX, I received a document stating that I still owed more money with higher interest rates. When I went to the bank to verify the payment, they confirmed that the mortgage company had returned the money for the payoff on XX/XX/XXXX, without informing me that they had refused the payment I sent on XX/XX/XXXX. 
On XX/XX/XXXX, I made two mortgage payments online using a new account that I set up. The payments were for XX/XX/XXXX and XX/XX/XXXX to avoid any penalties. I also requested an electronic payment payoff for XX/XX/XXXX. However, I'm concerned that I may encounter issues again. My mortgage provider has charged me an additional {$50.00}, and they haven't given me a clear reason for it. I'm worried that they don't want me to pay off the loan. I've tried contacting their customer support team, but I still haven't received a satisfactory answer.? 
This mistreatment was based on my race, age, and limited English proficiency, have caused me immense stress, XXXX, and physical and emotional harm. I feel that the mortgage company treated me differently because of my age, race, and language. The XXXX XXXX XXXX suggested that I file a complaint to get the help I needed. 
I believe that Dovenmuehle Mortgage , Inc is benefiting from the interest on my loan and doesn't want me to pay it off so they can continue making money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have repeatedly notified you about inaccuracies in my credit report, which persist in violation of Metro2 standards. Despite previous alerts, these errors remain, detrimentally impacting my credit profile. I insist on immediate corrective action to rectify these inaccuracies to prevent any further damage and to comply with the Fair Credit Reporting Act ( FCRA ). Failure to address this issue promptly may result in legal recourse, including arbitration. Your urgent attention to this matter is essential.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to 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 non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My rights are constantly being violated under the FCRA because I have notified TransUnion that they are reporting inaccurate information and they have not properly verified or investigated any information but continue to report the same inaccurate and misleading information on my report. I disputed this information and not only did they not fix this error, but they also failed to mark this account as being disputed within 30 days of receiving my letter ( s ) which is also a violation of my consumer rights in particularly a violation pursuant to FCRA Section 623 ( a ) ( 3 ). USPS tracking number is XXXX  and they received my letter on XX/XX/XXXX  and sent back a correspondence dated XX/XX/ stating that they investigated the information I disputed and the disputed information was " verified as accurate ''. I have attached a new credit report still showing the inaccuracies with no notice of dispute that should of been reported along with receipts and previous letter.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief