vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: IL

Complaint narrative:
In XXXX I opted to take out a loan recommended from my XXXX XXXX account. The loan was with a company called upgrade. I took out a loan with them and they never mentioned I was not going to get the entire loan amount deposited. So when the loan was deposited and it was not the full amount I called them. They stated they did not have to tell me over the phone that they were going to take out this sum of money because it was in the contract I signed. Recently I received a mailer on how I could save money on My loan with a company called new XXXX XXXX They apparently got my information through Upgrade who also works with a company called XXXX. But they said my credit was good and connected me with another company called XXXX and they wanted to charge me another big fee upfront to get a better interest rate than my upgrade loan. So upgrade is pretty much charging this crazy fee without telling me, then having other companies they work with, offer to save me money on a loan to incur another XXXX fee on me. Luckily I didn't fall for it but some people do and continue to move this loan around and continue to incur fees. If I had known about that fee on my original loan, I would of never did it. I was willing to move on after the original loan in XXXX and just say XXXX XXXX XXXX but when they tried to do it a second time, I have Decided to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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:
XXXX has violated my rights, By furnishing incorrect information on my report without my consent. 
I have mailed this agency multiple times concerning this important matter. They have failed to provide verifiable proof and have exceeded 30 day limits. They have violated 15 U.S. Code 1681 B - No Written Consent from the consumer ( myself ) 15 U.S. Code 1681 C-1 - No Consent by consumer is identity theft 15 U.S. Code 1681 C-2 - Consumer Notified CRAs of the errors ( no verifiable proof was sent ) A thorough investigation never took place and I am seeking damages of {$1000.00} and DELETIONs of the information provided in my letter.

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 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I logged into my checking account to find my {$640.00} to be placed on hold and showing it as a deduction. This money was from XXXX XXXX XXXXXXXX XXXX acting account. I reached out to Bank of America via chat and they had no idea why or how long it would be on hold. They could not help me. Please keep in mind, I have had this account and funds for over XXXX XXXX in my account.

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 2023-01-12 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have an Ann Taylor Mastercard. I never received my XX/XX/2022 statement ( the card was paid off in XX/XX/2022 ). I received an email in late XXXX alerting me that a payment was due on my balance of {$6200.00}. In XXXX I only charged {$2300.00}. I've called the credit card company ( Comenity ) TWELVE times with no resolution. It seems that my card has been compromised and fraudulent charges were made. The address was also changed on my credit card account- not by me. Since the address was changed, the credit card company is " not able to help me ''. Even though I've changed the address to my current address 4 times. They also will not send a bill so I can make payment and be done with this company. They are claiming I need to provide a driver 's license, social security card and bank statement to access my account or resolve the fraudulent charges, but with each individual I speak to the requirements change OR they state they can not help me to call back tomorrow. I am at my wit 's end and do not know what to do to resolve this. The credit card company is not making this right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 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: MD

Complaint narrative:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$3600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-12 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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. I found that under section 605b ( a ) Equifax and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. 

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 2023-01-12 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: Grain Technology, Inc.
State: SC

Complaint narrative:
Grain has closed the account as charged off due to non payment is and reporting to my credit as 90 days past due unfairly. Grain requires an active connection to your checking account using a third party services. The link consistently failed to work and I could not otherwise make a payment. I switched phones from an XXXX to an XXXX XXXX  and Grain does not supporXXXX XXXX XXXX Their app is required for all activities related to the credit account so I lost any ability to access my account. I sent numerous support request tickets asking for assistance to make a payment to the account and did not receive a response until just this week finally they responded with a text message link to make a manual payment, which I did to payoff the full balance. Grain 's response stated they email me statements with a mailing address to send a payment - I've never received an emailed statement from them. During the course of my inability to access the account or make payments, Grain sent periodic text messages with inconsistent information. I'd receive a text saying the account was XXXX  days past due followed by XXXX  days, followed by XXXX  days, almost due, nothing was ever presented to me with accurate information. Grain not once communicated to me in a timely or accurate manner. Grain never sent anything to me in the mail or make any phone calls to me. Grain is not handling their credit product appropriately, they're making it difficult for customer 's to responsibly manage the account, and I would like assistance in having Grain update my credit report to remove the late payment reporting due to their error and failed ability to provide customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
This is not a new account with Venmo. Successful transfers were made in the past. BUT -- -- {$980.00}. was shown as available in my VENMO acct as of XXXXXXXX XXXX. I can not get my money transferred to my bank account on file -- -- -I think Venmo XXXX " floating '' my money to their advantage. '' 1. I have exchanged numerous emails. 
2. Different staff say different causes XXXX. Multiple phone sessions with Venmo support. Again, more excuses. 
3. I checked withy my bank -- -Bank says there have been NO attempts to transfer this money into my account from Venmo for XXXX XXXX months. 
4. Bank says all is good on their end. 
5. I have forwarded bank statements and pic IDs as requested to Venmo 6. My account was frozen for no reason, then unfrozen. 
7. Said I had XXXX personal accounts. WRONG! ..., I have XXXX personal and XXXX business 8. Venmo sends me round and round in circles with their " BOT '' replies to email inquiries/ 9, Venmo owes me interest for keeping my MONEY for NO REASON!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been battling these unverified and inaccurate accounts for awhile now and these haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. Please remove the negative accounts right away. 

Also, there are some unauthorized inquiries that I don't recognized.

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 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On XX/XX/XXXX, I attempted to deposit a reimbursement check from my XXXX XXXX business account for the amount of {$2900.00} check # XXXX, into my Huntington Bank checking account using a Huntington Bank ATM. The chip in my card was not working so I could not use the ATM. My friend who was with me also uses XXXX and suggested I deposit the check in her account and she would transfer the funds once she received them. I failed to sign the check over to her and Huntington Bank has seized the funds. The check has cleared my business bank but Huntington refuses to release the money to my friend or return it to XXXX XXXX A few weeks passed and my friend received a form for me to sign authorizing release of the funds to her. I signed the form and submitted it to Huntington Bank XXXX XX/XX/XXXX. I was told it would take 24 hours for the funds to be released. Today, XX/XX/XXXX, the funds were still not released so I had the bank resubmit the form. I was told the funds could be released within hours, but they have yet to be released. As of today, Huntington Bank has held my funds for 24 days without and end in sight..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 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: NY

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WAFD BANK
State: WA

Complaint narrative:
since XX/XX/2022 i have recieved XXXX  and worked at XXXX XXXX part time while still looking for work keep that in mind. starting XXXX i went into washington federal and asked for a possible fraud check written out to me.by a company claiming to be XXXX XXXX XXXX XXXX  written to the amount of XXXX to be placed on a hold or destroyed so not to mess with my account. in which Washington federal bank placed the wrong hold on the check releasing the funds in my account and i didnt notice till XXXX and forgot to inform the bank.7 days later the check bounced and i had to pay back XXXX that spent living my life cause the rest of the check was safe in my saving .which the bank was able to go in an take .when reporting to their boss i was called a female but im male .But i payed my account even on XXXX and was told my accounts would be fine XXXX early morning my account was forced closed do to suspected employment benefit fraud so i went into the bank at XXXX. they check with unemployment and my job i had did nothing wrong but they closed both checking and saving accounts. and now wont let me open back up a new checking knowing i had asked for protection and had done nothing wrong.so i went in XXXX to try and open a new account the voted no.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because it is reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. 


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