vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: MD

Complaint narrative:
Axos bank closed my account on XX/XX/2023 and now they are holding my funds totaling {$900.00} XXXXThey told me my account is restricted because their internal team was unable to verify the document i sent which is a lie because it is an official name change document there is absolutely no way they can do this. Ive used this document at social security and former places of employment and I work for the government. Although my name has been changed on my social it has not been on my license because its from out of state and its more complex but thats besides the point that are fraudulent institution. Hence thats why I carry my license, social and OFFICIAL sealed name change document from the XXXX XXXX in XXXX XXXX. Ive been waiting for a review for XXXX hours I was told XXXX. I havent had any issues with any other bank using that document XXXX tried to send a wire transfer and I was told i had to send over my documents to have my identity verified. I sent over everything. They closed my account XXXX minutes later and sent me some email saying that my account was being closed because i went against the deposit agreement which i did not. They NEVER verified my document I got an email back today saying they just got it. Theyre playing big games and they need to be reprimanded for their fraudulent banking practices. PLEASE shut this bank down have you seen the consumer reviews. They do this all the time and get away with it .I want them to process my wire transfer so that i can pay my rent they are a scam bank and the representatives are rude and condescending. They need to be reprimanded for their fraudulent banking practices and how they hold customers funds for forever. I attached all the communication that changes everyday as well. I told them that they caused me to get evicted which they did so Im pursuing legal matters if I dont get help here. By the way I sent that document Wednesday but please see all screenshots attached so you can see how much of a lie they truly are!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX # # # # # # XXXX And i DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These medical collections are violations and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Attached to this complaint are : - My drivers license - shows ID + address - My social security number - A letter I also sent via certified mail on XX/XX/XXXX - FTC Identity Theft Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: GA

Complaint narrative:
Good Afternoon I was reaching out to you about some credit items on my credit that has nothing to do with me. I tried my best to reach out to these accounts but honestly its like nobody knows anything. Im doing this by myself and want to know Can you all please help me with getting something resolved with removing these accounts off my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had applied for a loan with a company. Recieved a call back from XXXX XXXX stating I was approved. It turned out to be a scam. The scammer told me to go to XXXX & send the money back, which I did using my bank debit card. It was about XXXX hours later they deposited another amount into my checking & told me I had to send it back, Which I did. This happened XXXX XXXX times. Checking my checking account I saw that the checks XXXX XXXX deposited were from XXXX XXXX & my name was forged on the back of the checks. Attached is proof of scam & phone numbers used by scammers. The scammer used the name XXXX XXXX and the following numbers XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
this debt collector enganged in abusive deceptive and unfair practices of the FDCPA which it prohibits .they furnished this account that we dont agree upon and i didnt sign an agreement on a legal contract is signed by two parties and i did not participate in any of ti More so they didnt follow the proper 5 step validation procedure which make this unfair practices

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 2023-02-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-10 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
As of XXXXXXXX XXXX has reported on my XXXX credit reported account ending # XXXX, in the amount of {$410.00} as a charge off I am asking XXXX XXXX for my consumer rights, I need a copy of the agreement thats signed by the consumer, XXXX XXXX, for the above account reporting on XXXX credit reporting bureau as of XXXXsince I was not given a copy of this agreement, I am asking XXXXXXXX XXXX to send a copy to my address that you reported me to with XXXX credit reporting bureau.I do give my permission to c.f.p.b. to get a copy fo my credit report at XXXX credit reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I received an alert on from my credit monitoring that I have a past due account in the amount of {$480.00} through a XXXX XXXX XXXX  credit card that was opened under my name on XXXX XXXX, XXXX. However, I never opened this account. 

I contacted the XXXX Fraud department, and they told me that there was indeed an account opened under my name. 

XXXX told me that they closed the account and marked it as fraud, and they recommended that I also open a report here. 

My credit score went from XXXX down to XXXX due to this 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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
I recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research Below are the inquiries I am disputing : Creditor Name - XXXX XXXX XXXX XXXX Type of Business - Credit Unions Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX Type of Business - XXXX XXXX Date of inquiry - XX/XX/2022 Credit Bureau XXXX XXXX Creditor Name - XXXX  Type of Business - Bank Credit Cards Date of inquiry - XX/XX/2022 Credit Bureau XXXX Experian Creditor Name XXXX XXXX  XXXX XXXX  Type of Business - Bank Credit Cards Date of inquiry - XX/XX/2022 Credit Bureau XXXX XXXX Creditor Name - XXXX XXXX Type of Business XXXX Bank Credit Cards Date of inquiry - XX/XX/2022 Credit Bureau XXXX XXXX Creditor Name XXXX XXXX Type of Business - Date of inquiry - XX/XX/2022 Credit Bureau - XXXX Creditor Name - XXXX XXXX XXXX XXXX XXXX Type of Business - Federal Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX XXXX XXXX XXXX XXXX Type of Business - Federal Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX  Type of Business - Tenant Screeners Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX  Type of Business - Personal Loan Companies Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX  Type of Business - Personal Loan Companies Date of inquiry - XX/XX/2022 Credit Bureau - XXXX  Creditor Name XXXX XXXX XXXX Type of Business - Miscellaneous Finance Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - EXPERIAN BUSINESS Type of Business - Credit Bureau Inquiries Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX Type of Business XXXX Personal Loan Date of inquiry - XX/XX/2022 Credit Bureau - Experian Creditor Name - XXXX XXXX XXXX XXXX XXXX Type of Business - Federal Date of inquiry - XX/XX/2022 Credit Bureau - Experian In accordance with the Fair Credit Reporting act the above accounts has violated my rights. 

Section 604 - 15 U.S. code 1681 B - This law states the the bureaus don't have any right to report anything on your credit without your permission.

Section 605 A - 15 U.S. code 1681 C-1 states that without consent to share your information it is identity theft Section 605 B - 15 U.S. code 1681 C-2 states if you are notified of anything on your credit it 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 non-monetary relief
Consumer complaint received 2023-02-10 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: GA

Complaint narrative:
I received an emailed about my information being in the Equifax data breach so I pulled my credit reports including XXXX along with XXXX and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXXXXXX XXXX XXXX XXXXXXXX : ACCOUNT # : XXXX ACCOUNT # : XXXX ACCOUNT # : XXXX ACCOUNT # : XXXX ACCOUNT # : XXXX ACCOUNT # : XXXX ACCOUNT # : XXXX ACCOUNT # : XXXX ACCOUNT # : XXXX [ NO ACCOUNT NAME ] : ACCOUNT # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. 

I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received an emailed about my information being in the XXXX data breach so I pulled my credit reports including Experian along with XXXX and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. 

I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.

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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My checking account was utilized to deposit fraudulent checks. Once I noticed deposits into my account of roughly {$10000.00}, I placed a claim with my bank. After the claim was processed, the bank closed and dismissed it. However, the transactions made in my name were false for I did not authorize them yet the did authorize regardless of them being fraudulent.

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 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-10 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: CA

Complaint narrative:
Im trying to remove a address on my account related to fraud, and they giving me a hard time to remove the address associate with 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 2023-02-10 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: GA

Complaint narrative:
Good Afternoon I was reaching out to you about some credit items on my credit that has nothing to do with me. I tried my best to reach out to these accounts but honestly its like nobody knows anything. Im doing this by myself and want to know Can you all please help me with getting something resolved with removing these accounts off my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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