vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax for XXXX  violations of the Fair Credit Reporting Act ( FCRA ) and United States Code regarding the fraudulent reporting of an account in my name. The account in question involves a fraudulent activity with an original amount of XXXX and a current balance of XXXX. Despite repeated attempts to rectify this issue, Equifax has continuously reported this fraudulent account on my credit report, severely impacting my financial standing. 

I have provided Equifax with XXXX  XXXX  reports, XXXX XXXX XXXX XXXX XXXX XXXX  reports, and have consistently requested proof of their investigation into the matter. However, instead of conducting a thorough investigation, Equifax has merely provided me with statements from the fraudulent account, demonstrating a blatant disregard for their obligations under the FCRA. 

Furthermore, I want to emphasize that I have initiated legal proceedings against Equifax regarding this matter, and their continued negligence has caused significant harm to me both financially and emotionally. 

Equifax 's actions constitute XXXX  violations, including but not limited to : XXXX. **FCRA Violations** : - Failure to conduct a reasonable investigation into disputed information ( 15 U.S.C. 1681i ).

- Reporting inaccurate information on my credit report ( 15 U.S.C. 1681s-2 ). 
- Failure to provide me with written notice of the results of their reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ). 
- Failure to maintain reasonable procedures to ensure the maximum possible accuracy of information ( 15 U.S.C. 1681e ). 

XXXX. **XXXX XXXX XXXX Violations** : - Negligence in handling sensitive financial information, leading to harm ( 18 U.S.C. 1029 ). 
- Failure to comply with directives from the Consumer Financial Protection Bureau ( CFPB ) and the XXXX  regarding consumer complaints and investigations. 

Equifax 's persistent refusal to correct this egregious error despite XXXX  evidence of fraudulent activity is unacceptable and warrants immediate action. I demand that Equifax cease reporting the fraudulent account on my credit report and take the necessary steps to rectify the damage done to my credit score. Additionally, I request that Equifax provide me with a detailed account of their investigation into this matter as well as compensation for the harm caused. 

If Equifax fails to address these concerns promptly, I intend to pursue legal action to seek damages for their willful violations of federal laws and their negligence in handling my personal information. 

Thank you for your attention to this matter. I look forward to a swift resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: GA

Complaint narrative:
I lost all of my information and when I tried to access my Cash App account, I couldnt because I had forgot my password to my XXXX  so I couldnt upload the account to my new Phone cash app refused to assess me money to my account. They said it was a security issue. Its been over a XXXX. ill ask can I submit my ID they said theres nothing more that they could do about the matter and that my money would just sit there and I cant use it they wouldnt even close the account all they said was its a security issue theres nothing more they can do at this time I figure if my ID cant state who that I am then what else am I to do when they wont access me to my account they wont let me I dont know what else to do to get to my money XXXX cant access the account because I forget my password to my XXXX in order for me to put the new Cash App on my phone. They will send me a code to my email but I forget my password to my email so I had to create another email I also create another Cash App account. They said they will need the cows but they say its a XXXX security issue and they couldnt do it so I cant access my money XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime
State: IN

Complaint narrative:
The company DT Credit has a XXXX inquiry on my report that was not authorized by me and they are refusing to correct

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/24 I received an email and text that my XXXX XXXX credit card had been shipped. I never applied for the credit card. The card was opened on XX/XX/24.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my XXXX XXXX Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account ( XXXX XXXX ) that was not reporting accurately on XXXX, XXXX, and Experian, XXXX XXXX and Experian are all reporting ( XXXX XXXX ) inaccurate listed twice with XXXX different accounts when I only have XXXX account with ( XXXX XXXX ) and are reporting I had 3-7 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint with the dates included and I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. XXXX, XXXX, and Experian are showing inaccuracies on this account ( XXXX XXXX ) and isn't following the law according to 15 U.S. Code 1681e - Compliance procedures. And section ( b ) Accuracy of 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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: UT

Complaint narrative:
XXXX : XXXX XXXX XXXX Account Ending : XXXX ( XXXX XXXX ) The XXXX  XXXX XXXX  logo appears on the credit card in question and XXXX XXXX XXXX is the credit card company servicing the XXXX  XXXX XXXX. The XXXX XXXX XXXX  's logo is on all of XXXX 's billing. 

I had a credit card with XXXX XXXX XXXX, the card had a " valid thru '' date of XX/XX/XXXX. XXXX sent me a replacement card to continue with the account that was " valid thru XX/XX/XXXX ''. I elected not to continue with XXXX and in either late XX/XX/XXXX or early XX/XX/XXXX, I called XXXX and cashed in any remaining reward points and to tell them that I would not renew the newly issued card, that I wished to end my account with them at the end of XX/XX/XXXX ( so I never took the steps to activate the replacement card ). XXXX ignored my request to end that association and honored a bill from " XXXX '' that evidently came to XXXX on XX/XX/XXXX. I spoke to XXXX  representatives from XXXX and they refused to listen to any logic or reasoning. I asked why would XXXX honor a billing on an expired account and they refused to answer ; instead they demanded payment. I then contacted the XXXX  XXXX XXXX  and explained the situation ; showing bank XXXX  my documentation, they also contacted XXXX and ran to the same " brick wall '' I did. Unable to reason with XXXX, the XXXX  XXXX XXXX  paid XXXX 's bill themselves. When XXXX of XXXX 's representatives took the time to review their computer notes on my account, he acknowledged that I told them to end my account ( in either late XX/XX/XXXX or early XX/XX/XXXX ). Unknown to me, I somehow had an auto renewal agreement with XXXX and XXXX was using that as an excuse to honor XXXX 's billing no matter if my account was active or closed. I then reached the obvious conclusion that XXXX would honor any claim with anyone who had my old credit card number ( including thieves ). This still remains a disturbing concern. I recently checked my account with XXXX and now, XXXX indicates the old credit card is shown as invalid for any future charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir or Madam : I've been notifying Equifax XXXX  times that the information on my credit report are inaccurate, my XXXX  has been stolen and used for fraudulent purposes. 

Someone has used my XXXX  to engage in the following type of fraudulent transactions : * XXXX  cards * Loans I'm a victim of XXXX  XXXX, this situation turned my life upside down. It is like a nightmare as I'm having difficulties to clear my name and credit report. Please assist me with your help in this case. 

I have also experienced the following problems as a result of the XXXX  XXXX : * Denied credit or other financial services. 
* Harassed by XXXX  XXXX or XXXX. 

In addition, I have lost XXXX hours of my time due to the XXXX XXXX. The XXXX  XXXX  used the internet to open accounts or purchase goods or services. 

I have contacted the following credit bureau : Equifax, XXXX and XXXX : *regarding the XXXX  XXXX  and to report the fraud. 
* to freeze my credit report. 
* to order a credit report. 

Unfortunately, I have had the following problems with XXXX and Equifax : XXXX still did not clear my credit report after XXXX attempts to remove fraudulent accounts from my credit report. And Equifax made it harder for me to even freeze my credit, they basically blocked me from doing anything with my credit report. 

I have contacted the XXXX  and filed a XXXX  XXXX report. I have had the following problems with companies that I contacted regarding my XXXX  XXXX : They still did not removed the fraudulent accounts from my credit report. 

Please contact me if you have any questions or need additional information. Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I have been frozen out of my account for XXXX months now, and this account contains approximately XXXX XXXX of my XXXX  savings. I have tried relentlessly to get my account unfrozen, to no avail. I am desperate to recover access and feel completely bullied. I describe my situation below. 

In XX/XX/2023, my savings account by the company " XXXX by Goldman Sachs '' was frozen. This freeze happened right after I attempted to move some funds to a foreign account managed by the company XXXX. I immediately called them to get my XXXX by Goldman Sachs account unfrozen. After passing XXXX  XXXX  checks, such as giving my social security number and providing my " secret word '' that only I know, I was told that they would next send me a text message to the phone number associated with my account to finalize my XXXX  verification. 

This is where all the problems began. As an XXXX  student with research projects overseas, I spend a significant amount of time XXXX, so I no longer had my original phone number. I was therefore unable to verify my XXXX. I was then told that the only way to unfreeze my account would be to verify my XXXX  by submitting an XXXX  of XXXX, which they would mail to the address they had on file. After an XXXX  number of calls, it took them XXXX months to send me this form. I got it notarized and sent it back to them, as requested. It is now XX/XX/XXXX, nearly XXXX months since my account was frozen, and my account remains frozen. Every time I call customer service I am told that they will call me to finalize the XXXX  verification. They have by far exceeded the XXXX  of XXXX  days they say it takes between receipt of the affidavit and the unfreezing of accounts. I know for a fact they have received my affidavit because they have told me so, but I remain waiting for it to be unfrozen. 

This account contains the vast majority of my savings, and not having access to them for XXXX months has been extremely stressful. I don't know what to do anymore. Any help will be much appreciated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was sent Tax information on an amount they never cut me a check for. I called the compant and they never had history of sending the check but are claiming a tax on an amount they did not ever send me and said it was to late to appeal this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
all three credit breaus sent letters out XX/XX/2024 dispute all collections accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have wrong names and adresses and also I have XXXX  accounts that I want Validated by law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OK

Complaint narrative:
The company sent information stating my loans have been forgiven and is set to a XXXX balance. They have also sent other information after stating I owe a payment and it is still reporting on my credit reports. 
SEE ATTACHED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I used Square to process credit card payments for a copy writing service that I run on the side. They found that recent transactions were considered worthy enough to deactivate my account. That is fine, but they have {$390.00} of my earned funds held according to their policy that states they can hold funds up to XXXX  days for investigation. I have called them multiple times, left them several messages, and they refuse to expedite the transaction. I have waited over XXXX  days as they hold for possible refunds to the consumer but This is unfair to any consumer or business, XXXX  days is far too long to hold onto funds, and they need to make my funds available to me. I will not do business with this company again, but right now they are stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
This is a follow-up to a complaint made in the beginning of XXXX. The attached response from Venmo and XXXX was received and they verified that a check would be sent and received within XXXX to XXXX weeks. At this time which is past XXXX weeks There has been no check received received. This is a significant amount of money and time is of the essence in receiving it contacting their call center. Im not not able to get any verification of when a check was sent to what address or when I should receive it. I have also emailed their executive office without response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amount.

Company response to consumer: Closed with explanation