vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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: MO

Complaint narrative:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
on XX/XX/XXXX my husbands and my credit cards were both charged with fraud charges. my husbands for XXXX on that date his card was cancelled. 2 days later i had to call back to contest the charges after they posted.. with in a few day the charges were removed. i again asked what happened to my card status. spoke with a XXXX. my card was then cancelled on the XXXX of XXXX on XX/XX/XXXX spoke with XXXX and she said the charges are still pending and would be removed in 5-7 days. i continued to check daily and nothing is resolved. spoke with XXXX on XX/XX/XXXX was told that this is still pending. had XXXX at the branch office call. he was told that the claim had gotten stuck for some reason because bank of the west went to bmo. on XX/XX/XXXX was told by XXXX that it could take up to 60 days before it could be removed. on XXXX called bmo XXXX # again spoke with a XXXX advised there were no notes about these charges she opened a dispute and gave me a claim number and was told again 7-10 days. called on XX/XX/XXXX because now there is an XXXX $ and change interest on this charge. 
( this charge was for XXXX an airline tkt. i XXXX  it ) this is the only charge on my card. 
i called and talked to XXXX on XX/XX/XXXX and was told the 7-10 days was incorrect but she did see that there is a claim. i don't understand why a {$2400.00} chrg can be removed in a few day but not a XXXX $ charge. nothing was documented until XX/XX/XXXX now i have interest chrgs. i want to clear this up so i can cancell my credit card with bmo

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 2023-10-11 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Charged upfront or unexpected fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The only problem is we did not make payment on time, only a few days late, the statement shows that a junk fee and late fee were charges to my, checking and Crdit card 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 monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My parents received an XXXX credit card with my name on it in early XXXX. I live overseas and did not apply or inquire about a credit card with any company XX/XX/XXXX : Called TD customer service. ( TD seems to administer XXXX, which is the name of the company on the card. ) They've filed a fraud attempt report on my behalf. They said my parents ( the address under which an application was apparently made - I haven't lived there for over 5 years ) should receive a letter from their fraud department in the next 7-10 business days. Could take up to 30 days to resolve. Case # XXXX. If any questions in the meantime, I was told to call customer service back at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NC

Complaint narrative:
On XX/XX/2023, my credit report was obtained and was used to apply to multiple creditors. Someone broke into my car and stole all of my items including personal bank cards, id and social security. My credit has had a fraud alert on it to not be obtained and the companies still went against my credit protection and faulted me for a debt that was not mine. I have been in military training and have no way of applying to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I set up a cash app account and its supposed to come with a cash app card. When I try to order the card on the account I get an " unexpected error '' screen within the app. 

When I chat with customer service within the app ( and this has been going on for quite a few months. with me, and other people ) but when I tell them about the error and ask them about how I can go about remedying the problem so that I can get a cash card to be able to spend my money FREELY WHEREVER I CHOOSE they simply tell me : " you can't have a card, and we won't give you any more information '' and they RUDELY, AND VERY DISRESPECTFULLY shut down any further communication. ( IT IS VERY BAD ) I'm afraid that if I keep pressing the issue then they will make me close my account and not have access to the things that my friends and family have, within being able to utilize that service, while at the same time keeping me feeling like a second class citizen who is undeserving to have all of the offerings that they have available for other people. 

I did a search for this issue all over the internet and in forums and everything and I see and feel that this issue is being " handled manipulated and managed '' and whole discussions are being circumvented, with the confidence that there is no oversight. 

Even so much as to be bold enough to feel no obligation or responsibility to inform or explain to you why they are manipulating the way you spend your money through making you keep it in digital circulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TN

Complaint narrative:
I have disputed my credit report since XX/XX/2023 I should have a better credit score than XXXX. No late payments should even show up on my credit report according to 15 USC 1681a ( 2 ) ( b ). Also with the new law that Congress just passed no medical bills should be listed either. I NOW HAVE THE RIGHT TO FILE A LAW SUIT SO CAN YOU PLEASE POLICE UP YOUR BREAUS BECAUSE ITS TOO EASY TO FOLLOE THE LAW YALL EXPECT XXXX PPL TO FOLLOW THE LAW BUT EVERYONE GETS EXCUSES AND PATS ON THE BACK! MY CREDIT REPORT SHOULD BE REFLECTIVE IT ONLY TAKES 30 DAYS! I have my auto loan showing up as negative when the insurance paid it off. When people dont follow the laws it leaves consumers unable to actual live!

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 2023-10-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed my credit report since XX/XX/2023 I should have a better credit score than XXXX. No late payments should even show up on my credit report according to 15 USC 1681a ( 2 ) ( b ). Also with the new law that Congress just passed no medical bills should be listed either. I NOW HAVE THE RIGHT TO FILE A LAW SUIT SO CAN YOU PLEASE POLICE UP YOUR BREAUS BECAUSE ITS TOO EASY TO FOLLOE THE LAW YALL EXPECT XXXX PPL TO FOLLOW THE LAW BUT EVERYONE GETS EXCUSES AND PATS ON THE BACK! MY CREDIT REPORT SHOULD BE REFLECTIVE IT ONLY TAKES 30 DAYS! I have my auto loan showing up as negative when the insurance paid it off. When people dont follow the laws it leaves consumers unable to actual live!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax followed XXXX 's lead and lowered my credit score to XXXX. Nothing on my credit report has changed that should allow Equifax to lower my score. I haven't missed any payments, I've had the same XXXX credit cards for years, I've banked at XXXX  XXXX XXXX for XXXX years, my house has been payed of for about XXXX years ( because I paid off a XXXX year loan in less than XXXX years ), I have roughly {$100000.00} in accounts at XXXX XXXX XXXX XXXX XXXX have over {$36000.00} in a XXXX IRA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and I have over {$330000.00} in my TSP account. 

There is no intelligent reason to lower my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV FINXACT CORE
State: MI

Complaint narrative:
On XX/XX/XXXX, a transfer of {$15000.00} from my XXXX XXXX account to my new account with XXXX failed. The money left XXXX XXXX but never arrived in the XXXX account. Neither XXXX XXXX, XXXX, nor XXXX XXXX  have returned my funds. XXXX claims that the funds are being held at Fiserv, as their letter from XX/XX/XXXX states ( attached ). They suggested I reach out to XXXX XXXX, but they and XXXX XXXX refused to help. I attempted to talk to Fiserv over the phone, but the representative refused to speak with me. I had an attorney write a letter to XXXX, and XXXX then claimed that they had initiated an investigation with Fiserv. However, they ultimately did not share the results of this investigation.

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 2023-10-11 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: VA

Complaint narrative:
XX/XX/XXXX I sent over a letter requesting inaccurate information to be deleted along with proof : 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 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
on XX/XX/XXXX a received money on my PayPal account from a XXXX XXXX. i asked him what the money was for and began looking into Paypal scams. immediately i found that people sometimes send money and then ask for a refund at the same time canceling the transaction which lead to the getting paid twice. i did not send the payment and i alerted PayPal. i let them know that i had not sold him anything and that this was a scam. i do not sell anything on my PayPal. it is a private account i have had since XXXX i use it to pay bills and make secured transactions. in XXXX through my business website which was created by XXXX  and payments are powered by XXXX. i opted to accept Paypal as a form of payment in XXXX and somehow it then started sending payments to Paypal instead of to my business account which i did not sign up for. PayPal is now holding {$1600.00} dollars of my funds against my will, written instruction and consent. these are violations of my rights and the law. This isalso a breach of contract, a violation of paypals own by laws and multitudes of State law. this is unjust enrichment, conversion, false and misleading practices, deceptive trade practice, fraud, unfair business practice. there are multitudes of MN state violations as well. including but not limited to the MDTPA, MCPA, MDCPA, MUCC and multiple violations of the MN bill of rights. Due to the nature of these violations PayPal would be liable not only through its own arbitration agreement but also to the FTC, CFPB, SEC, IRS, MN attorney general and several other authorities. I am hoping to cure this matter in an effective and efficient manner. Paypal will absolutely not hold my money for 6 months. this will be considered opportunity to cure any further violations shall be deemed as willful. i am giving 7 days to release funds and return my account to proper standing or else i will be forced to pursue all methods at my disposal. Paypal is registered with the IRS and the state of Minnesota and this mean the agree to abide by the rules i expect immediate compliance. i would also like to note that Paypal does not have certificate of authority to transact business in several states and annual renewals are overdue. the account in dispute is account id XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy federal credit Union XX/XX/XXXX XXXX XXXX {$310.00} a fraudulent charge toward my card. It seems like I keep getting new cards and they keep, no matter what, finding ways to have people fraudulently attack me and my bank account. I shouldn't have to order a new card every month, they don't let me call them or go to there bank branches so I have to pay more fees in ATM and or miscellaneous fees because I simply am not allowed to get any customer service from them. Supposedly in XXXX of XXXX sometime I had a phone call with them and am not allowed to talk to them. I want to know why because they keep harassing and discriminating me so much so I take to social media to vent. I want to know why they just say OOPS literally and make fun of me saying oops like it's not there fault or in my case it most definitely is, but why have I been so mistreated by them and now they are charging me junk fees and getting credit card money that I had to put on my card to start it anyway and they changed the policies and now want to charge me double harassing and calling me everyday saying I am late for a credit card payment. I have never had so many issues with a bank. Please look for footage of a time I went to jail for trespassing in there branch supposedly but the charges were dropped so I can't sue them. I still did weeks in jail for it. Someone owes me time/money. 
Help me in everyway please, I need to get to my business and that's all they interfere with and it's the most annoying thing that n the world ask the president of the United States how annoying I am please. Oh tell em sorry dude, not my fault. Does this deserve Credit?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. 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 2023-10-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I noticed a large collection on my Credit report in XXXX of XXXX with Kimball Tirey St John Account number XXXX for {$15000.00} which was originally from XXXX XXXX XXXX which was attached to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Needless to say I was very alarmed for a few reasons : XXXX ). I had moved out and my XXXX, XXXX XXXX took over the lease back in XXXX. 
XXXX ). Adaptive XXXX attempted an unlawful eviction on XXXX by shutting down his ability to pay online and he went to court for it and came to an agreement that he would move out and no monies owed. 
XXXX ). They told XXXX that they listed itemized repairs of {$1300.00} and back rent owed, which the judgement from the court states they are not able to do this. 

I have attempted to dispute this with the Credit Bureaus on XXXX separate occasions : XX/XX/XXXX and XX/XX/XXXX ; both times these institutions had said that the original creditor validated the information despite the ample evidence that I provided to them. 

Kimball Tirey St John Collection Agency and XXXX XXXX XXXX are violating the FRCPA and the FCRA by illegally putting a collection on my Credit report after I moved out and was removed from the lease, but also after my ex boyfriend went to court and came to an agreement that he would move out and no monies is owed. 

Attached to this complaint I have included the documents from the court that XXXX received ( not me as I was removed ) that clearly states XXXX dollars is owed to XXXX XXXX XXXX ( Dated XX/XX/XXXX ). I have also attached documentation from the XXXX XXXX who is an attorney at XXXX XXXX XXXX where it clearly states the record is sealed and done ( Dated XX/XX/XXXX ). I have also included text messages with XXXX notifying me of said information. 

At first, I believed that this is a simple mistake, which is why I tried to dispute it with the Credit Bureaus. But when Kimball and XXXX stated it is accurate, I quickly realized that they are goin against the court order and Federal law to try and collect money that is not owed to them. The Attorney who represented XXXX, XXXX XXXX stated to reach out to her if this information ever showed up on a consumer report so they could pursue this illegal collection matter. Before I pursue that route and hire an attorney, I wanted to attempt XXXX last time to se if Kimball and XXXX XXXX will remove this inaccurate mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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