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

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo is claiming that they reversed {$XXXX} ( XXXX transactions of {$XXXX} each ) to my XXXX Bank checking account on XX/XX/2022 that were erroneously deposited in to my Wells Fargo checking account on XX/XX/2022. However, XXXX Bank tells me that they did not receive the transfer from Wells Fargo. Since XX/XX/2022, I spent at least XXXX hours on phone between these XXXX banks and both banks are pointing to each other. Hope you could help me here

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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
My name is XXXX XXXX and I was contacted by a number ( XXXX ) XXXX on XXXX XXXX regarding an account that I opened up with XXXXXXXX XXXX back in XXXX. The account went into over draft in XXXX, but I was XXXX in XXXX and was released in the middle of XXXX. I told the person on the phone that i was XXXX  and i was trying to get a fax number but she was rude and unprofessional and was arguing with me about what i was saying. They said that I have 2 civil suites being filed against me but I keep telling them I was XXXX  and they keep saying they don't care. She also said that she was gon na XXXX XXXX papers and contact my wife who wasn't even with me at that time nor was on the account. And than she hung up in my face all the associates hung up in my face. I was requesting a cease and desists because I know the statue of limitations ran out. They call me multiple times a day and leave multiple voicemails. I never respond because I don't know who it is. Can you please help 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 explanation
Consumer complaint received 2023-01-03 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-01-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The attached letter dated XX/XX/2022 was mailed via USPS to Equifax and delivered on XX/XX/2022 per the tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Equifax then proceeded to submit a dispute on XX/XX/2022 that I did not authorize or request. The investigation of this unauthorized dispute was completed on XX/XX/2022. Though previous disputes have been submitted for this account on file another dispute was not my request. My request was for the validation of debt that Equifax holds on to my consumer file to be able to legally furnish this information on my consumer report. Per the initial rep during my 1-hour phone call with Equifax, they do not have any substantial proof of evidence or validation of the debt and acknowledge that it should not be on my account, however, they will not remove it. As a reminder pursuant to 15 USC 1681B, any account that a credit reporting agency continues to report without being able to substantially validate is a direct violation of my rights listed through the FDCPA and FCRA both together and separately. In light of recent investigations brought upon Equifax, I find that my consumer file is being tampered with. Over the past two years, I have made several attempts to remind Equifax of their duty pursuant 15 USC 1681. It appears that they are intentionally and willfully neglectful in remedying my affairs. 15 USC 1681 e ( b ) assures that I am due, and promised accuracy in my report based on federal law. 15 USC 1681 i ( A.5 ) says that after a reinvestigation all unverified information must promptly be removed. Equifax is refusing to remove XXXX XXXX XXXX XXXX - XXXX from my consumer report though they acknowledge that they do not have substantial evidence to furnish the account. I am demanding that this account be removed immediately.

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

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX ACCT # XXXX .... Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX .... Balance : {$1000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX L XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Lost job, broke hip, lost husband, has short ter memory problems, power of attorney told manager would payoff loan as soon as received life insurance within 4 months time. Towerloan has harassed calling all the time demanding money even after being told to stop calling numerous times, Towerloan has also filed a right to cure but keeps calling demanding money. Account is going go be paid off this week but the manager just keeps on calling and demanding money when they have been told to stop calling because she can't remember and they get her worked up everytime. This started in XX/XX/2022. She only owes {$700.00} according to right to cure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MO

Complaint narrative:
I have made payments consistently for XXXX years. I submitted a payment by check only for them to say they didnt receive it. I then submitted a payment online and after they received it, they cashed my check. I called and was told I would be getting a refund only for them to send me a new bill saying it was past due. They now refuse to update my account or refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
The debt on my credit was fraudulently put on that was not me I was a victim of identity theft and I would like it fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
My Barclays credit card number was used in XX/XX/XXXX for fraudulent purchases. I reported it and Barclays issued me a new card. 
In XX/XX/XXXX the new card had more fraudulent purchases, Someone hacked my account at Barclays and transferred money through autopayment from my bank in the amounts of {$6400.00} and {$72.00} on XX/XX/XXXX and {$7000.00} on XX/XX/XXXX Barclays said they would investigate in response to my phone call on or about XX/XX/XXXX. 

I reversed the charges on XX/XX/XXXX, in the amounts of {$7000.00} {$6400.00} and {$72.00}. Barclays told me they found fraud and corrected all charges. Barclays sent me a statement in XX/XX/XXXX saying I owed them {$7000.00}. I immediately called but they told me they investigated and concluded I was responsible. They fraudulently listed my {$7000.00} chargeback as a " Cash Withdrawl '' I had not used the credit card at all since XX/XX/XXXX, so every charge they were claiming was fraud. Their investigation was incompetent, or involved the insider who stole the credit card number.

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 2023-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LendingPoint Holdings LLC
State: PA

Complaint narrative:
15 US. CODE 1681-2 XXXX consumer report an agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an illegal identity Theft not later than four business days after the date of receipt theft please delete this account as soon as possible ( Lending point LLC )! It has been 30 days and you are in violation of this law because I am a victim of identity DEF please delete this account as soon as possible These accounts should not be furnished all my consumers report is they are in violation under code 15 US CODE 2681b- permissible purpose of consumer report ( a ) in general subject two subsection ( c ) any consumer report an agency may furnished A consumers report under the following circumstance and no other ( 2 ) in accordance with the written instructions of the consumer to whom it may relates I never gave any consumer report and agency written consent to report anything or my consumer report which violates my rights as a federal protected consumer.No CONSENT IS IDENTITYTHEFT. As a consumer I am demanding the deletion of the account listed immediately ( leading point LLC )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My ex husband forged my signature on a check made out to me and him jointly with an and separating the names. He deposited that check into his sole account. Chase Bank XXXX XXXX XXXX, CT let the deposit go through without verifying identification. When I came to know of this forgery, I went into the branch with my valid identification and still they have not resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: FL

Complaint narrative:
XXXX car loan already paid XX/XX/2022. XXXX not taken off from all XXXX  credit reports. I have sent paperwork in the mail XXXX. They claim that they don't have information but I have gone to bank and they do have it. I am requesting it be deleted. 
XXXX XXXX  There are XXXX accounts which I have been told no paperwork on file. 
XXXX has no longer any paperwork on this account. The only account mortage is XXXX service. XXXX  bank XXXX XXXX has no paperwork in the computer, XXXX no account in the system.Bank XXXX  XXXX is XXXX years old. It has been paid. I want it deleted off reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm filing this complaint because this creditor has ignored my request to provide me with the documents their company has filed that were used to verify the accounts I disputed. They have also gone past the 30-day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this, as it hurts my overall credit willingness. 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 2023-01-03 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: CA

Complaint narrative:
I'm filing this complaint because this creditor has ignored my request to provide me with the documents their company has filed that were used to verify the accounts I disputed. They have also gone past the 30-day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this, as it hurts my overall credit willingness. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XXXX XXXX, I paid my credit card balance of {$880.00}. On XXXX I paid {$700.00}. On XXXX XXXX, I paid {$200.00}. The limit on the card is {$1000.00}. The total amount of charges after the XXXX is {$440.00}. When the {$200.00} is applied, the total comes to XXXX. My account stands around {$700.00} owed and XXXX can not explain the mathematical variance. On XX/XX/2022, I called and voiced my concerns and the service rep calculated a {$600.00} variance. A supervisor was requested and they both agreed that somehow ( explained by the holiday ) the payments hadn't been processed yet but I would see the balance drop after the holidays. They said if not, call back. I called back and they completely changed narratives.

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 2023-01-03 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: Bread Financial Holdings, Inc.
State: CO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: Atlanticus Services Corporation
State: CO

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXX/XX/XXXXXXXX account # XXXX XXXX account # XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I recently had a deposit into my account with Bank of America for XXXX I went to the bank to access the phones and they tell me that the only close my account no I don't have a problem with them closing account where you probably have you they would not allow me to access my available phones so make calls my family too I have to move you want me to take me to court looking for an eviction you XXXX not be able to pay for my XXXX school for almost too much now I really need my money they can do whatever they want to with account I just need my money I would never ever again

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