vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AZ

Complaint narrative:
The company in question is Block , Inc. or better known as 'Square ' our new payment processing company.

We requested documentation and an explanation as to why they're holding our money for XXXX  days even though we're a credited company with XXXX  years in business with a credited history. 

They never mentioned this would happen until we processed thousands of dollars through their software and they're withholding nearly {$4000.00} and counting!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-07 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX 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 these items. Your failure to positively verify these accounts and inquiries 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 explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
I after application in good faith for the Discover XXXX card with Discover Bank after a XXXX months received notice my account was closed/canceled by the issuer, not myself the account holder. 

If any portion of this application has been securitized as a asset backed note under securities act of 1934, within the Discover Bank and/or any other under XXXX filled XXXX, XXXX XXXX Forms and or other XXXX filings. we demand credit line issued and open ended under the name of applicant. 

we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act XXXX XXXX XXXX 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action. 

For this account ending in XXXX is also reporting to my credit report we at this time in this notice we wish to opt-out all reporting from you Bank to Any of my Credit reports. under the protections of US Code Title 15 - Commerce and Trade XXXX XXXXXXXX - Privacy Subchapter I - Disclosure of Nonpublic Personal Information XXXX XXXXXXXX - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: Experian Information Solutions Inc.
State: VA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We will not stop filing the complaint against Wells Fargo Bank because they will not give us any explanation for how they handled our case. As I have stated previously that they keep asking us to provide documents for the mortgage loan issue and how they calculated the checks they sent us. The bank representative has refused to address the complaint that we never resolved our complaint with the XXXX yet XXXX XXXX insisted that the XXXX settled the case when she clearly stated that she is not qualified to resolve or mediate the complaint before her. Yet XXXX XXXX sent us a XXXX XXXX If your company cant provide us a copy of the transcript then you can listen to it and hear what was said. So youre calling me a liar. I spent XXXX years in military earning the respect of senior military officers and leaders yet I am being called a liar by Wells Fargo Bank. I will not sign a form that I didnt agree to. We have sent you copies of the documents that we had to provide with no proof that your company is working to resolve this problem.

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 2024-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Kia Finance America XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I have reached out to Kia finance America , several times that Im refusing to pay the debt because of an accurate information and Kia financial and I want to cease communications. I made this very clear it keep showing on my consumer report.

15 usc 1692c ( c )

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 2024-04-07 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: TN

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries 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 explanation
Consumer complaint received 2024-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 non-monetary relief
Consumer complaint received 2024-04-07 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: VA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
My first card was never received. I reported it to the company best egg and when I received the statement there was 4 purchase that I did not do. I let them know regarding they said would fixed the issues. Once they told me they fixed the issues I used the card without looking at the statement. When the next statement came thouse purchase were never disputed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MA

Complaint narrative:
My card was blocked my Discover in the beginning of XXXX, I received a Document-sign to my email and also my transactions were declined. I called to find out what was happening ( again first or second week of XXXX ) and they explained they needed information and the XXXX was legitimate. I filled it out and completed it, they sent a letter stating it was completed and all set. I called back a day or two after completing to confirm I was all set and they unblocked my card. They said it was a normal update of information. At the end of XXXX they doubled my limit since I have done so well with on time payments and had my card for years, used this card to build my credit. All of the sudden, XXXX weeks after doubling my limit, my card is declined again. I try again, decline. I call to find out my card has been CLOSED due to lack of information. I am lost, how? I completed everything. The rep said is your current address the same as 2022? I said no, I have updated my address with you. She explains something was missing on the document and they sent an email in XXXX, I checked every fold and everything under discover for that month and found NOTHING and explained that. She said well we sent an email. I explained they sent a LETTER explaining I was all set and never received such email. I got no notice and this has damaged my credit that I have worked hard successfully on. This is wrong. I am a single mother and can use any help I can get and have never been late and always paid. I cant see this being legal. All they said was they sent it, I explained I NEVER saw or received anything and they should have sent a letter saying something was wrong if I got a letter saying it was all set. I want/wish this was reinstated, though now I would not trust my financial needs with this company since who knows what they will do WITH NO WARNING!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have been a XXXX XXXX XXXX  customer since XXXX and loan customer since XX/XX/XXXX. XXXX XXXX XXXX is a first company that extended a loan to me and I have enjoyed my experience and learning process of managing a loan responsibly. I have written a letter to XXXX XXXX  XXXX to humbly request that they are willing to make a goodwill adjustment to my reporting to the XXXX credit agencies. I have XXXX late payments on my XXXX XXXX XXXXXXXX account from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX those times I was going through a hardship with my job. I also I was impacted by bounce check from a previous employer, which caused my municipal credit to be flagged for fraud and left me with an even bigger balance to pay. It was hard to make these payments on time since XXXX XXXX XXXX made it aware to my attention that I can only come into a branch to make payments. Present day XXXX XXXX XXXX has work with me to have my payments taken out of my XXXXXXXX XXXX account monthly. Due to my work my time does not work around the branches time. 

As for community bank, I have XXXX missed payments spanning from XX/XX/XXXX to XX/XX/XXXX. As well as XX/XX/XXXX to XX/XX/XXXX. 
The dates from XX/XX/XXXX to XX/XX/XXXX follow the lines as the same incident my XXXX XXXX XXXX dispute. I was going through a hardship with my job. 
For XX/XX/XXXX to XX/XX/XXXX, through another hardship with my job and now being a fXXXX XXXX my hours reduced tremendously. I did contact Comenity capital bank and then my best to communicate with them through each hardship. Just as I did with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX  XX/XX/XXXX is being reported as a late payment. However, it was not late. 
XXXX XXXX  XX/XX/XXXX is being reported as a late payment. However, it was not late. 

I have sent the credit bureau XXXX separate letters over the last 90 days. I requested statements showing a late payment. To this date the error has not been removed from my report. Nor have I received the requested statements.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX  XX/XX/XXXX is being reported as a late payment. However, it was not late. 
XXXX XXXX  XX/XX/XXXX is being reported as a late payment. However, it was not late. 

I have sent the credit bureau XXXX separate letters over the last XXXX  days. I requested statements showing a late payment. To this date the error has not been removed from my report. Nor have I received the requested statements.

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 2024-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
It was an incident happened at work. Workers compensation and insurance paid most of it. And, I paid the rest which was {$130.00} with some change.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries 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 explanation
Consumer complaint received 2024-04-07 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: TN

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Received a letter from Wells Fargo that I was enrolled in their Accidental Death Product in 2012. I did not authorize this and do not know who enrolled me in this product. Called and the representative did not explain who enrolled me in this product.

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 2024-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
On XX/XX/2024 around XXXX/EDT we arrived at Huntington Bank located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI with an order from XXXX County Probate Court and a document designating myself as an authorized representative of the estate and were not only denied access to the safety deposit box per the court order but when asking who made the determination was not given a specific name, was asked to turn over death certificates, legal documents and other sensitive information while refusing to clarify who the information was being given to and for what purpose. After then requesting for the bank representative to respond to the court order stating their refusal to provide access they also declined. Additionally, when I pressed to received a document outlining the banks process for allowing representatives of an estate to access a decedents accounts they refused to articulate the process as well and proceeded to become hostile when being asked reasonable questions about bank procedure which led us to believe there was systemic and individualized bias playing out during this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Collection Agency EXETER Amount XXXX Date XXXX Reference NOTICE OF DISPUTE To : ( EXETER ), I, ( XXXX XXXX ), a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Sincerely, ( XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation