vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
seen this brandsource card could buy something from there stores and make payments they send a card all i could see was brandsource thought they were the finance company thats how it sounds bought a mattress from a local store missed a payment didnt know it was citi bank so i get a email from brand source but was actually from citi ok i paid it and ask for a copy of this agreement that i signed with citi they sent me there type up card agreement with no authorization any where from me into a contract with citi XXXX so my complaint is how do i have a contract with XXXX bank for something i never asked them for and they have never granted me anything from XXXX ever and there letter says they consider this matter resolved very shady brand source never mentioned XXXX i thought my account was with them you have to sign in and be approved for brand source as far as i know i signed nothing with XXXX or brandsource if that matters

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 2023-05-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
See attached documents, the personal information you are reporting are not mine.

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 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: AK

Complaint narrative:
Paid off XXXX mortgage in XX/XX/XXXX of 2022 have proof of payoff but they are refusing to release the deed of full reconveyance have contacted them several times through phone calls and emails still have not received the deed. My mortgage company is loan care account servicing phone # XXXX address XXXX XXXX XXXX XXXX XXXX az XXXX. My home that I paid off is in Alaska

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 2023-05-09 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: PA

Complaint narrative:
I sent a letter on XX/XX/2023 to update my personal information and delete old addresses and phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 XXXX 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 XXXX!!! 
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 under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2023-05-09 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: TN

Complaint narrative:
FRAUDULENT ACCOONTS WERE ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIEVED ANY GOODS OR SERVICES FOR THESE FRAUDULENT ACCOUNTS AND INQUIRIES

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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: VA

Complaint narrative:
I am writing to you regarding an ongoing issue I have been experiencing with Cash App. Over the course of the past year, I have had fraudulent charges and unauthorized transactions totaling over {$3000.00} on my account. I have attempted to address this issue with Cash App on multiple occasions, but to no avail. 

I have contacted Cash App through their customer support channels numerous times, and every time I receive the same response of " looking into it. '' I have filed disputes with Cash App, but they have been denied without explanation or resolution. Despite my repeated attempts to get this issue resolved, I have not received any assistance or correction from Cash App. 

In addition to the fraudulent charges, I also had bitcoin sold from my account without my authorization. This has caused me significant XXXX XXXX XXXX XXXX, and I have been left feeling helpless and frustrated by Cash App 's lack of support. 

As a loyal customer of Cash App, I had always trusted that my account and transactions were secure. However, the ongoing issues with fraudulent charges and unauthorized transactions have shattered that trust. I am deeply disappointed with Cash App 's lack of action and communication regarding this matter. 

I urge Cash App to take immediate action to address this issue, provide a resolution to my disputes, and take steps to prevent similar incidents from happening in the future. I believe that Cash App has a responsibility to protect its customers from fraud and to address complaints in a timely and effective manner.I feel others are being taken advantage of and utilizing this company has defrauded. millions of consumers of finances. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom it May Concern : I sent out letters on behalf of the accounts listed below for inaccurate information : XXXX XXXX XXXX  XXXX Account Ending XXXX XXXX XXXX Bank XXXX Account XXXX XXXX Department of Treasury Account Ending XXXX XXXX XXXX Bank Account XXXX XXXX XXXX Bank Account Ending XXXX XXXX  Account Ending XXXX  XXXX XXXX Account Ending XXXXXXXX XXXX XXXXXXXX Account Ending XXXX XXXX XXXX Account Ending XXXXXXXX XXXX XXXXXXXX Account Ending XXXX The Bank of XXXX I saw that 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
after i filled a cfpd complaint # XXXX Your statement said that the account was closed and removed from my credit report yet it is still appearing on my credit report. please remove all negative remarks from my credit your statemtn said it was removed from my report in year 2021 thats two years ago and yet it still appears on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
after i filled a cfpd complaint # XXXX Your statement said that the account was closed and removed from my credit report yet it is still appearing on my credit report. please remove all negative remarks from my credit your statemtn said it was removed from my report in year 2021 thats two years ago and yet it still appears on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: PA

Complaint narrative:
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! 

XXXX XXXX XXXXXXXX Police and Fire FCU # XXXX XXXX XXXX # XXXX 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 under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of 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 2023-05-09 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: PA

Complaint narrative:
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! 

XXXX XXXX XXXXXXXX Police and Fire FCU # XXXX XXXX XXXX # XXXX 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 under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-09 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: OK

Complaint narrative:
My contract was with XXXX. Not the financial service company trying to charge me more after Ive already paid off. Which shortly after obtaining the loan they switched payment methods to XXXX XXXX Monterey financial services . Theyve called me at work when Ive asked not to do so. After XXXX and after all of that I paid the full payoff amount XX/XX/XXXX with my taxes. This month they have tried to charge my account and say I still owe {$140.00} which I do not. When I submitted the payment my payoff had a XXXX dollar balance. Now they are trying to intimidate me by saying a few negative reviews is nothing compared to their XXXX years of service. I have the screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: GA

Complaint narrative:
I am writing to express my deep dissatisfaction with the re-investigation conducted by your agency regarding the multiple errors present on my consumer report. Despite my previous dispute and your subsequent reassurances of rectifying the inaccuracies, I regret to inform you that the report continues to contain several unresolved errors. Your negligence and willful non-compliance have had a detrimental impact on my creditworthiness and financial well-being. 

Account Name- XXXX  XXXX Account Number- XXXX Obvious Inaccuracies - PAYMENT HISTORY INACCURATE - REPORTED AS CHARGE-OFF NOW COLLECTION

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 2023-05-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/XXXX, an unauthorized person gained access to my US Bank Reliacard account for my unemployment compensation. It took a few weeks for me to become aware of this as my card was being declined and even though I called US Bank it took a few calls before the customer service agent at US Bank made me aware of it. My memory of that call ( which us bank says they record so it should be available ) is that the USBank Reliacard representative concluded that access to my account was gained because the unauthorized user was able to get the email address updated to a fraudulent account. I never received an email ( at my actual email address ) or text from US Bank verifying that I had approved the change and I believe that is because the change was made by a representative of us bank and not on their website. 

On that day of the call noted above, the US Bank representative initiated a claim. When I received the US Bank Transaction Dispute form by Mail, I competed it and returned it. I have not received any updates from US Bank. They will not allow me to speak with a representative in their fraud department. They know where the {$2000.00} was sent because the fraudulent bill pay was processed through their system and the details of that transaction show on my online account. I have called multiple times and continue to be told the time for a credit is 45-90 days. If this were a credit card charge that was being disputed they would put the charge on hold until the situation is resolved. In my case, it is {$2000.00} of cash stolen from my Reliacard account so I cant use that money until they come to a conclusion. 

Based on my understanding, this is a US Bank problem. Someone aided an unauthorized persons access to my account. That unauthorized person used the US Bank system to setup a fraudulent payee, setup a fraudulent payment to that payee, and process that fraudulent payment. US Bank has all of those records, records of all of the phone calls, presumably including the fraudulent call by the unauthorized persons which got them account access. US Bank doesnt need to withhold my money for 45-90 days while they investigate their internal security issues.

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 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
Received a phone call from ERC XXXX asking to speak with me ( using my married name which has been changed for almost 7 years ). The person was hard to understand but was stating that I owed a debt on my cell phone account XXXX XXXX XXXX, I reported that I have auto pay set up and don't believe this to be my debt, she then asked if the last four digits of my social were ; and gave four digits I don't recall ; they were infact not my social and she said she had the wrong person and hung up. 
I believe this this was an attempt to get my banking information as she requested card or bank info before verifying anything else and I had to ask her to verify the debt. Since I found this call to be odd as I have XXXX outstanding debt I thought it best to report it as I do not want others to be scammed by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
This is Fradulant account I didn't open. Now they are charging me {$960.00}. I currently have a XXXX XXXX account. But they charging for Cell. I DONT HAVE ANY XXXX XXXX line. Please remove this from record. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The balances on 6 open accounts are inaccurate. I have filed multiple disputes but the information still is being reported inaccurately. Both XXXX XXXX account balances are incorrect as they both have a {$0.00} : balance and have had the balance for 3 months now. Also both XXXX XXXX accounts have a {$0.00} : balance as well. XXXX has a balance of {$110.00} and XXXX have also been paid off and have a {$0.00} : I reported these inaccuracies to Equifax on XX/XX/XXXX and they have not responded. 
In accordance with the Fair Credit Reporting act the list of accounts mentioned have violated my federally protected consumer rights by reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief