vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 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: CT

Complaint narrative:
I am writing to bring to your attention the following discrepancies on my credit report, which I reported to Experian on XX/XX/XXXX. To date, I have not received a response from them. 

The following account was never late : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160000.00} ). Please correct/update this inaccurate information on my credit report. 

The following account is not mine : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6000.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$610.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2500.00} ). Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following inquiries i didn't authorize & is REPORTING INACCURATELY : Experian reporting the following : - XXXX XXXX XXXX -DATE : XX/XX/XXXX -XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE XXXX XX/XX/XXXX -XXXX XXXX XXXX - DATE : XX/XX/XXXX XXXX reporting the following : XXXXXXXX XXXX XXXX : DATE : XX/XX/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 2023-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
On XX/XX/2020 cavalry portfolio service opened a collection. 
Account number XXXX {$6800.00} that I owe I have never signed any written documents saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company Please have this removed from all credit reporting agencies this includes XXXX XXXX, XXXX, XXXX, & XXXX. 

This is my 2nd attempt to getting this removed with cavalry portfolio service through CFPB dispute number XXXX. They never answered my complaint. My rights as a consumer are being violated under multiple laws 15 U.S. Code 1666b Timing of payments 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681e - Compliance procedures removed this account immediately off my report. PS this is more proof that my information is being share inaccurate. Now I feel like I am being targeted by this company because of my race and that I disputed something that is not right on my credit profile they continue to not respond please can this be removed permanently off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of the West ran a promotion stating they would credit {$250.00} to my account if I had 3 consecutive months with direct deposits totaling {$1000.00} or more for each month. The terms stated only that they needed to be direct deposits from my employer, not that they needed to be ACHs. 

I had deposits totaling over {$1000.00} from my employer for each month of XXXX, XXXX and XXXX. For some of my payments, they paid me through my Bank of the West debit card, which are still direct deposits from my employer. The amounts for those payroll direct deposit payments were {$380.00}, {$430.00} and {$630.00} and I have corresponding payment history from my employer. 

I met the qualifications, however they have refused to payout the bonus. I appreciate any help you can provide. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, my cell phone was hacked by someone posing as an XXXX XXXX representative. I called their number obtained from XXXX search. I was immediately asked to download an app, XXXX XXXX XXXX, to allow them to check my phone to determine why one XXXX XXXX and XXXX games were not working with my XXXXXXXX XXXX  account. 

Before XXXX, there were XXXX pending transactions ( {$100.00} received on XX/XX/XXXX and {$150.00} received on XXXX ) in my Cash App. I noticed that {$240.00} had been removed from my pending {$250.00} transaction. I immediately contacted Cash App XXXX to report what had happened and submit a claim. They investigated and determined that I had authorized someone to use my credentials. On XXXX, I contacted Cash App XXXX again and asked if I could share documents to substantiate my claim, but they never responded to that request. 

A follow-up complaint was filed on XX/XX/XXXX. There were XXXX other transactions pending deposits of {$100.00} ( received on XX/XX/XXXX ) and {$150.00} ( received on XXXX ), but neither of those was mentioned in Cash App 's response. I am requesting that these XXXX amounts be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I got a call from Citzens bank and it was a scam and they used XXXX XXXX to pishing money but my account was fine before this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
I had a card with Current for about 2 years and received regular direct deposits to the card account. In XX/XX/XXXX, Current decided to close my account without warning or notice. When asked why the account was closed, I was provided a generic explanation and referred to their policy page. The account was closed with pending deposits expected to the account prior to closing. 

My federal and state refunds were scheduled to be deposited to the account. On XX/XX/XXXX my state refund was deposited to the account. My federal return had been delayed due to an IRS review of my return. On XX/XX/XXXX, the deposit was made to the account I had with Current. Attempts were made to change the direct deposit information with my tax preparer and the IRS. I was told I would need to contact the receiving bank once the refund was sent. 

I contacted current on XX/XX/XXXX to inform them the deposit was being sent. Because the account was closed, I wanted to know how the deposit would be handled. I was informed the deposit would be rejected and returned to the originator. On the date the deposit was sent, I contacted current again and asked if it had been received. I was told they did not have my refund. 

Over the next 10 days, I continued to contact both Current and my tax preparer to determine where my funds were. Current continually denied receipt of the refund. Since no one was admitting to having the money, my tax preparer investigated and informed me the refund was sent to Current and provided a trace number. 

Only after informing Current of my possession of the trace id and filing a police report did they admit to having received my money on XX/XX/XXXX. When I asked why the refund had not been returned to the originator as I was told, Current then tried to ACH the funds to an external account that was linked to my now closed Current account. 

I informed them this was against both their own company policy and banking regulations, They then asked me for new direct deposit information, which I provided, only to tell me they would not be able to ACH my refund since the account was not linked to the Current account at the time of closing. 

As Current and its affiliates were willing to violate policy at their own whim, I asked why now is it so critical to follow policy when they had blatantly disregarded it during the handling of my refund. I was ignored and told a check would be sent. According to Current, my check was supposedly sent on XX/XX/XXXX, As of XX/XX/XXXX, I still do not have my funds, When attempting to call Current, somehow, my DOB is now not matching even though my drivers license was provided and accepted as identification. They have illegally held my funds and refuse to give any further information on my missing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Had launched complaint about Pedfed Credit Union, they responded with false information to me that can be proven with documents provided to me by PenFed Credit Union. Stating my payments were adjusted to {$990.00} after insurance was dropped in XX/XX/XXXX, but I have records ( Example ) showing on XXXX XXXX XXXX my payments was {$990.00}, and at beginning of my Home Equity Loan was {$990.00}

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 non-monetary relief
Consumer complaint received 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
ON XX/XX/XXXX I was approved for a CitiBusiness Advantage Platinum Select Mastercard with Citibank. It was supposed to arrive 7-10 business days. On XX/XX/XXXX before I even received the card, I received a letter in the mail about a Fraud Alert. I contacted Citi and on XX/XX/XXXX and was told the fraud issue was " resolved ''. I finally received the card on XX/XX/XXXX. I opened, activated and registered the card same day attempted to use it 1 time at common, local store, XXXXXXXX XXXX, and immediately had a Fraud Alert. I contacted Citi on XX/XX/XXXX and spoke to Fraud team, it took 45 mins to verify my identity because Citi would not use my primary phone number or any other phone numbers in my home to verify me. They said they can't use the same phone number for verification more than once. However, that is my phone number and the number registered on my account. Finally a supervisor verified my information and cleared the fraud block. 15 mins later I attempted to make my second purchase, another Fraud Block. I called back in again, and the Citi Fraud team refused to verify my identity because they could not use my phone numbers to verify me. I tried my number, my wife 's number, my son 's number, my daughters number. They said their " system '' would not let them use any number and they couldn't verify me. Therefore, I couldn't use the card that literally just arrived in the mail this same day. Having gotten so frustrated after being on the phone with them for 3 hours and transferred around to 3 different departments, I wanted my account closed. They refused to close my account while I had a Fraud block on my account. I told them, they can not force me to keep an open credit account open in my name, against my will. they stated there was nothing they can do. A consumer should not have to go through this much trouble to use a card. Fraud Blocks before the card arrived, Fraud Block for every transaction attempted. I never even got a chance to use the card once before Fraud blocks triggered. American Express and XXXX are nothing like this. Citi is the worst and whatever process they use to supposedly validate a phone number needs changed.

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 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following inquiries i didn't authorize & is REPORTING INACCURATELY : XXXX reporting the following : - XXXX XXXX XXXX XXXXDATE : XX/XX/XXXX -XXXXXXXX XXXX XXXX DATE : XX/XX/XXXX -XXXXXXXX XXXX DATE XXXX XX/XX/XXXX -XXXX XXXX XXXX - DATE : XX/XX/XXXX Transunion reporting the following : XXXXXXXX XXXX XXXX : DATE : XX/XX/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 2023-04-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I missed a payment XXXX and I used money gram on XXXX, to make an {$80.00} payment which a {$40.00} late fee was a portion of it, same day service, cost {$8.00}. Genesis FS card service received and process the payment on the XXXX. Yet they reported to the credit bureau I was 30 days late on a payment. I had til XXXX to pay it and not be 30 days late. Its always a problem with Genesis FS card services. They need to be investigated for unfair business practices and their customer service is horrible. I sent a money order to them last year they claim they did not receive it. I mailed two weeks before the due date to be on time and they hit me with a late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card under an open consumer credit card plan as late to any purpose.

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 2023-04-01 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: CA

Complaint narrative:
Hello, My student loan servicer is MOHELA and I reached XXXX qualifying payments at a qualifying employer in XX/XX/XXXX for Public Service Loan Forgiveness. I submitted my PSLF Certification and Application to MOHELA on XX/XX/XXXX and the form was signed and dated by me and my employer representative on XX/XX/XXXX. When I checked on the status of the form on the MOHELA website, the status shows " Duplicate Form '' and " A duplicate application was processed as Canceled. '' The form I submitted on XX/XX/XXXX is not a duplicate form. The last time I submitted a PSLF Certification and Application to MOHELA was on XX/XX/XXXX and that prior form was signed and dated by me and my employer representative on XX/XX/XXXX. The XX/XX/XXXX is a new form that MOHELA has not processed. MOHELA needs to process the XX/XX/XXXX form so that my XXXX qualifying payments are counted and I am able to get my loans forgiveness through XXXX. The form is absolutely not a duplicate form and was incorrectly cancelled. 

I am attaching my XX/XX/XXXX form and XX/XX/XXXX form as attachments. They are not duplicate forms, and cover different time periods of employment for the same employer ( XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01 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: GA

Complaint narrative:
My medical transaction is being reported on consumer report which is a HIPPA violation. No medical information should be reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: GA

Complaint narrative:
My medical transaction is being reported on consumer report which is a HIPPA violation. No medical information should be reporting on my consumer 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 2023-04-01 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: GA

Complaint narrative:
All three reporting agencies are reporting medical information on my Consumer report. This is a HIPPA violation and should be remove from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: Auto Trakk, LLC
State: PA

Complaint narrative:
XX/XX/2023 {$8300.00} auto trakk is reporting late payments and false repossession status I didnt give them anything they came and got it from the repair shop there selves

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: IL

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  ( Finance ), XXXX XXXX XXXX ( Bank ), XXXX XXXX ( Bank ), XXXX ( Finance ), XXXX IXXXX XXXX  ( Finance ), XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Auto ), XXXX XXXX XXXXXXXX ( Bank ), XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) , XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX XXXX Bank ), XXXX Card Services ( Bank ), XXXX XXXX XXXX  ( Bank ) , XXXX ( Bank ), XXXX XXXX XXXX and XXXX 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 : 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 reports containing any of the 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 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 2023-04-02 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: DC

Complaint narrative:
The consumer reporting agencies has fail to fulfill their vital role to ensure that my consumer report. is fair and accurate to me as the consumer. I have not given none of these furnishers or consumer reporting agencies MY WRITTEN CONSENT to furnish this information on my consumer report. I have a right to privacy in which are being deprived of at the moment.

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 2023-04-02 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: DC

Complaint narrative:
The consumer reporting agencies has fail to fulfill their vital role to ensure that my consumer report. is fair and accurate to me as the consumer. I have not given none of these furnishers or consumer reporting agencies MY WRITTEN CONSENT to furnish this information on my consumer report. I have a right to privacy in which are being deprived of at the moment.

Company response to consumer: Closed with explanation