vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: MD

Complaint narrative:
I attempted to make two transfers from my Axos high-interest savings account to my external XXXX XXXX XXXX XXXX XXXX ) account. My beginning balance in my savings account was {$800.00}, and I made two transfers each for {$400.00}. I made the first {$400.00} transfer on XX/XX/2023, and the second {$400.00} transfer on XX/XX/XXXX. The money was deducted from my account, leaving me with {$4.00}. 

On XX/XX/XXXX, I did not receive the {$400.00} transfer. I reached out to Axos and XXXX. XXXX confirmed that they did not receive the transfer and did not see any pending transactions. Axos informed me that the research team would address my inquiry in 1-2 business days. When I called on XX/XX/XXXX, I found out that the Axos rep did not make the request for a follow-up, and as a result, the second Axos rep escalated the issue. I received a {$400.00} credit to my Axos account on XX/XX/XXXX ; this return matches the transaction made on XX/XX/XXXX. I withdrew the {$400.00} that I received on XX/XX/XXXX. 

On XX/XX/XXXX, I reached out to Axos to inquire about the remaining {$400.00} that was not credited back to my account, and the Axos rep told me that my inquiry was resolved because of the {$400.00} credit posted to my account on XX/XX/XXXX. I responded that my account had {$800.00}, and only {$400.00} was returned. I read off each transaction from my account to the Axos rep. The Axos rep informed me that it would take another 1-2 business days for the research team to locate the missing {$400.00} because he could not locate the {$400.00} transfer made on XX/XX/XXXX. On XX/XX/XXXX, I called Axos to confirm that the Axos rep submitted my request for a manager callback, and he assured me that I would hear something in 1-2 business days. Each time I've called to find out where the missing {$400.00} is and when I can expect it to be returned, the Axos rep either says I will need to wait 1-2 business days to hear something or I find out that Axos rep did not submit my request for follow-up. 

Today, XX/XX/XXXX, I was informed that it would take the Axos research team 7-10 business days to locate the missing {$400.00}. This delay in response means I have to wait until the end of XXXX to get a status update on a transfer I made on XX/XX/XXXX. Each person I communicate with gives me a different answer by delaying the timeline for me to know about my money, or the management team does not return my calls to get my side of the story. The last point of contact I communicated with was XXXX, a Supervisor. XXXX wrote a message in a resolute tone. Axos has not resolved my issue ; I am still missing {$400.00} and can not get a clear answer from Axos or any indication of when I will receive my money. 

Any assistance you can provide is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: TX

Complaint narrative:
To whom it may concern, I, XXXX XXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. Company Name : 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 2023-06-12 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: TX

Complaint narrative:
To whom it may concern, I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. Company Name : 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 non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: MI

Complaint narrative:
I have received 2 fraudulent cash app cards in the last 2 weeks. I requested initially to have my social security number blocked on all accounts and from opening future accounts, this has not yet happened. If my current account must be deleted I understand. The company is hard to get on the phone, phone reps require you to add a debit card for verification even though they have a picture of my ID and I get bounced around to different people and no one can close the cards. The response I get is we have escalated your complaint and we are currently working on it. This is unacceptable, any time fraudulent cards have been opened in my name they have been shut down within 10 mins of calling customer service. The manager takes 24 hrs plus to respond to emails as that is the only way of contacting upper management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Greetings! I had received 17  harassing calls from a phone number that I do not know and after XXXX  it, it belongs to a company called Medical Data Systems. I do not have medical debt owed through this company and I have no way to reach out to them as a registered user. From those calls, 16 were made on the same day ( I have the call log ). From my understanding, it looks like they are trying to reach out to someone else ( probably the former owner of my current phone number ). I do not want to have anything to do with them and I need this to stop. They violated the TCPA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall 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 of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXXIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXXNSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delet f the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: CA

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. 

Account name : # XXXX XXXX XXXX XXXX XXXX card 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 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 2023-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Americor Funding, LLC
State: CA

Complaint narrative:
In 2020 during Covid I was working with A debt consolidation company named " Americor '' to pay down my credit card debts however due to how the payments were set up a credit card was sent to collection. XXXX, the credit card company, was in talks with Americor and was sent to collections and there was an agreement made with the Collections company XXXX. However, there was confusion in the contract because the name of XXXX was later found to have changed to XXXX XXXX  In the contract, I was told that the collection would be removed once paid. However, once all the payments were finalized, I reached out to both of the companies and they both are saying they can not remove the collection. No action was taken on either part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-06-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
had almost XXXX in fraud charges and they refuse to fix the only late payment on my credit report, they claims its the credit bureau reporting and to contact they but I literally have a picture of the credit reporting showing late for 2020 XXXX. I pay my bills I pay everything on time I would appreciate if I got some type of help other than call the credit bureau and get told the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: TX

Complaint narrative:
XXXX XXXX is illegally checking my credit. I have not given them permission to check my credit and this is the second time XXXX XXXX has checked my credit without my consent. Also XXXX XXXX is still showing on my credit with all three credit bureaus.

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 2023-06-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is illegally checking my credit. I have not given them permission to check my credit and this is the second time XXXX XXXX has checked my credit without my consent. Also XXXX XXXX is still showing on my credit with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall 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 of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delet f the accounts listed IMMEDIATELY!

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 2023-06-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall 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 of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delet f the accounts listed IMMEDIATELY!

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Urgent Action Needed : Discrepancies on My Credit Report " Notice to agent is notice to principal, notice to principal is notice to agent. '' I hope this message finds you well. I am writing to express concern regarding several inaccuracies found in my credit reports provided by your agencies. These discrepancies are impacting my creditworthiness and causing undue obstacles in my financial life. 
As per the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ), I kindly request you to investigate and correct the following discrepancies : 1. Name Variations : The only correct name on the report should be XXXX XXXX XXXX. Please remove all other variations including : * 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 XXXX * XXXX 2. Employment History : The sole employer listed should be XXXX XXXX. Please remove all other employment records including : * XXXX XXXX * XXXX XXXX  * XXXX XXXX * XXXX XXXX XXXX * XXXX 3. Contact Numbers : Please remove all phone numbers except for ( XXXX ) XXXX. The numbers to be removed include : * ( XXXX ) XXXX * ( XXXX ) XXXX 4. Residential Addresses : The correct and sole address listed should be XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Please remove all other listed addresses including : * XXXX XXXX XXXX XXXX, IA XXXX * XXXX XXXX XXXX XXXX XXXX OK XXXX * XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX * XXXX XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX * And other incorrect addresses as provided Your immediate attention to this matter is not only greatly appreciated, but also crucial in maintaining the integrity of your reporting. I'm sure you understand the importance of accurate credit reports, and I'm counting on your professionalism to quickly rectify these errors. 
Please note that failure to resolve these inaccuracies may constitute a violation of the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
I look forward to a resolution to this matter. Thank you for your prompt attention. 
Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation