vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax made available through it's data product " The Work NumbeXXXX '' aka " XXXX '' details about my income, employment history, and tax/medical withholdings without my consent. 

Following the instructions on the Equifax website ( https : //employees.theworknumber.com/employment-data-report ) here to opt out and " Freeze '' my data resulted in no response within the 3-day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: AR

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
They are reporting inaccurately to all three credit reporting agency the allege amount that is owed. when i ask for a valiation they sent me statements and the states say that the allege debt is XXXX but reporting XXXX the next on is XXXXand they are reporting XXXX and the last one XXXX and they are reporting XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
On XX/XX/XXXX, the co-borrower on our mortgage account advised me that our account had been reported to the credit bureaus as 30 days delinquent and our credit files had lost nearly 100 points. I called The Money Source ( TMS ) to reconfirm forbearance from XX/XX/XXXX, until XX/XX/XXXX. TMS rep, XXXX, confirmed my current forbearance and assured me the credit reporting department would fix the reporting error. Unfortunately for us, this error can cause our pending SBA loan to be denied. We are trying to start a business to better our own financial future and now we have to deal with correcting this error due to the incompetence of the TMS staff. This is not the first time that TMS has made critical mistakes that could have been catastrophic for us. In XXXX of XXXX, they accidentally removed our mortgage account from the COVID-10 Cares Act forbearance program, and we were in danger of being reported delinquent at that time. Luckily, I called TMS and caught the error in time ( CFPB Case # XXXX ). It is hard enough for XXXX people in this country to establish themselves financially and I am beginning to think this is being done intentionally. How can this mortgage company be this inefficient and inept? XX/XX/XXXX, I received a call from TMS rep, XXXX. He called to discuss refinance options. He had not read through my file beforehand, or he would have seen that I was just coming off of a COVID-19 forbearance plan and was not eligible for refinancing at that time. XXXX prematurely transferred me to XXXX XXXX who ran my credit report, simply because I showed interest in refinancing. I never agreed to have XXXX run my credit, but they did, and I lost points and gained a hard inquiry. I called TMS that same day to have them remove it and it still has not been removed as of today. These anomalies cost consumers and it is unfair that we have to suffer through COVID-19 and all its physical, emotional, and financial traumas, along with TMS bungling mistakes that TMS obviously does not take seriously enough to make sure they read our files before making decisions. The Cares Act forbearance plan is to help deal with COVID-19 ... not make it worse. The law protects consumers when their credit reports contain inaccurate information. Under the federal Fair Credit Reporting Act ( FCRA ), consumer reporting agencies, as well as companies that provide them with consumers data, must report accurate information and fix errors that have been disputed. If this recent error causes our SBA loan to be denied, we will have no other choice than to take legal action against TMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been battling with TransUnion since last year because of their unlawful and unauthorized reporting. 
To this date, they have not solved the issues and continue reporting derogative information that is causing me harm, stopping me from receiving any further credit extensions, and higher interests. 
My last communication with TransUnion was on XX/XX/XXXX, where once again ( previously submitted more disputes ) I submitted my disputes along with an identity theft report, proper identification, proof of current place of abode, and my statement regarding the issues to be addressed. Pursuant to XXXX XXXX XXXX they had to block the information being disputed and correctly identified on the XXXX report in XXXX days. 

Today is XX/XX/XXXX and said information is STILL being reported. I filed several complaints and instead, they have DELETED my disputes from their system ( or at least from my side that I can see ) they have BLOCKED my ability to retrieve my report from their website and from the annual credit report website. I have submitted complaint # XXXX which is still open and they have not solved the issues. 
They continue reporting a hard inquiry from XXXX made on XX/XX/XXXX which had no permissible purpose and WAS INCLUDED in my XXXX identity theft report. 

BY LAW, XXXX WAS TO BLOCK SAID INFORMATION WITHIN XXXX DAYS OF RECEIPT. THIS HAS NOT HAPPENED, THEY ARE IN VIOLATION

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 2022-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Several charges were made using my cash card at XXXX XXXX in CA and NY. I dont live in either state. I was in Mississippi at the time of the charges and I have been here over a month. I contacted XXXX and opened a dispute. The representative informed that cash app is aware of the issue and you have done nothing to resolve. The emblem on the charge is not even the actual target logo which appears when you actually use your card at a XXXX store. 

After notifying XXXX and Square XXXX, Square XXXX disabled my account. My funds have not been returned and the scams have continued for over a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have several accounts that I want validated that seem to be not accurate and one account that is in collection that should not be on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have accounts that need to be validated and accounst that I do not reconized and accounts that say charge off and late which are not true

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I have been denied a checking account by XXXX separate banks based on not being able to pass a Chex System inquiry. 
The banks all state that they have no control and can not override policy of opening an account without being able to pass Chex systems. They all three referred me to Chex System for resolution. 
I can not open an account solely based on Chex Systems. I had provided to the bank all other verification documents to the bank per their policy. Drivers license, SS card, proof of residency. 
I called Chex Systems and was directed to obtain first the online report. This report was clear, showing no information to report. There was nothing on it derogatory. Chex system told me that they dont make the decision the bank does, the bank says they cant open the account because of reporting theyve received from Chex Systems . I showed the clear report to each bank, each of them saying it was out of their control as long as Chex Systems continued to report me. 
I am offered no way forward, no way to correct or remedy it. I am just stuck in limbo and no one cares at all at either the bank or Chex Systems. 
How am I supposed to move forward and obtain a checking account. 
Chex Systems offered me an absurd explanation that because the banks had inquired to Chex Systems that their own inquiry perhaps disqualified me from an account within that same bank. 
Chex systems refuses to take ownership of the harm they are causing me by preventing me from opening a checking account or offering me any way to resolve the 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 2022-02-04 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: NJ

Complaint narrative:
I recently sent a completed form requesting my free annual credit report from Equifax and XXXX to the address on the form at Equifax in XXXX. 

Although Equifax sent a report that is an utter outrage ( Confirmation # XXXX ) and sold my information in violation of my rights to 3 different companies during a time when a credit freeze was supposed to be on my account, I have yet to receive a report from XXXX. 

I will file a separate complaint for the host of inaccurate and incomplete information on my Equifax report, but please shut down Equifax and stop, once and for all, its profligate profiteering and trafficking in my personal information, while its parasitic injury is allowed to continue. 

Equifax has had so many violations of the law long before its infamous cyber hacking that it needs to have a court appointed special master to liquidate its assets without further excuses. In the interim, the CPBP should seize every asset it has and the Department of Justice should jail its board of directors and corporate officers. Their personal assets amassed on the backs of millions of abused consumers should also be stripped from them and go into a victims fund for all the people it has injured, wantonly, for decades. 

The CFPB should also immediately force XXXX to mail me a copy of its file on me to the address on the form I used to obtain the Equifax report. I will be applying for a mortgage related to a small business in the next month or two, so all corrections need to be made immediately. 

Since Equifax rarely complies with the law, it should NOT be given weeks and months to correct the damage it is now reporting in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have a XXXX XXXX credit card. The account is closed but it still has a balance. I have logged onto the website for this account and they are not providing any type of statement for the account. I have not received a statement in my email for many months so I was trying to verify the statement balance because it does not look correct. There is nowhere on their website to retrieve or view the statement. I had to call the company and they want to charge to have the statements sent to me. I don't understand how a credit card company can not provide statements to customers even if the account is closed. If there is a balance, I should be able to see my statements until the account is paid in full.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX is still on my Equifax even though I provided a police report opened fraudulently and XXXX and XXXX XXXX are still on my XXXX as well and they refuse to remove as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates are inaccurately reporting the allege amount of XXXX to the credit reporting agency. Portfolio is report the allege amount to credit reporting agency as XXXX aslo Portfolio recovery is reporting a second allege amount of XXXX to the credit reporting agency as XXXX this is a violation of inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Complaint against TD Bank. Received debit card and XXXX sets of checks in mail all with different account numbers week of XX/XX/2022. I did not apply for or authorize the opening of any accounts. In attempting to report the issue and close the accounts TD Bank refused to provide any documentation regarding account opening unless under subpoena. TD Bank also refused to provide any traceability information to follow the request to close the accounts. Lastly TD Bank would not close the accounts until resolved by their investigation team and would not provide an expectation date of contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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: TN

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TN

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Called to make an internal transfer & was told transfer happened. When I checked balance on atm next day learned {$590.00} transfer never happened. Was told had happened & am on my second phone call to get fixed as I write this.

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 2022-02-04 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: AZ

Complaint narrative:
TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681et seq, isU.S. Federal Governmentlegislation enacted to promote the accuracy, fairness, andprivacyofconsumer informationcontained in the files ofconsumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in theircredit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, includingconsumer creditinformation. [ 1 ] Together with theFair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. 

All three credit Bureau are not reporting credit file correctly I have challenged and disputed information and they fail to correct anything on my credit Bureau 1. Equifax 2. XXXX 3. XXXX All three credit Bureaus refuse to obey by federal law they are in direct violation of federal law, statue of limitations they refuse obey by the fair credit act it's a federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On Tuesday, XX/XX/2022, I received an email through my XXXX University student email of a prospective employer seeking employees. I replied to the email address, XXXX, to inquire further. I was then answered by an individual calling themselves XXXX XXXX XXXX who was employed with the Department of Disability Health and Human Services. He claimed he was a XXXX with XXXX University. He then provided me with a letter of employment and XXXX paper check for deposit. XXXX for {$8200.00} and {$4.00}, XXXX. I was told to deposit the {$4300.00} in my back account and wait for the deposit to clear. {$220.00} was cleared, he then requested for {$200.00} to be sent to XXXX XXXX XXXX via XXXX. In addition, I was then told to send {$400.00} via zelle to XXXX and XXXX. 

My bank, Navy Federal Credit Union has denied responsibility and has forced me to relinquish my accounts without full recovery of my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
have been battling with EXPERIAN since last year because of their unlawful and unauthorized reporting. 
To this date, they have not solved the issues and continue reporting derogative information that is causing me harm, stopping me from receiving any further credit extensions, and higher interests. 
My last communication with XXXX was on XX/XX/2022, where once again ( previously submitted other disputes and FTC identity theft report ) I submitted my disputes along with an identity theft report, proper identification, proof of current place of abode, and my statement regarding the issues to be addressed. Pursuant to 15 USC 1681c-2 they had to block the information being disputed and correctly identified on the FTC report in 4 days. Today is XX/XX/2022 and said information is still being reported. I filed a complaint previously and they still have not resolved the issue ( XXXX ) eventhough they had BY LAW 4 DAYS, Experian is violating my consumer rights and violating the laws by which they need to abide while nothing has been resolved. 
In my FTC report, you will see that XXXX XXXX  is listed as not having any kind of contracts with me, no authorization, no debt validation paperwork has even been sent back to me, yet Experian continues to reply " verified '' by default to my disputes. I also disputed XXXX XXXX. The payment history is wrong, I was never late, and after XXXX  XXXX  and Experian did " investigations '' ( said investigation methods are yet to be disclosed to me ) they still continue reporting lates, which DID NOT HAPPEN. Furthermore, pursuant to 15 USC1681a- ( e ) factual information should not be included, these were my written instructions on the numerous written communications I've sent to Experian XXXX yet they willingly and knowingly continue violating my privacy, my consumer 's rights and still answer they are still working on my issue! 
BY LAW, EXPERIAN WAS TO BLOCK SAID INFORMATION WITHIN 4 DAYS OF RECEIPT. THIS HAS NOT HAPPENED, THEY ARE IN VIOLATION

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