vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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:
The credit bureaus keep disrespecting the laws. showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.can go on and on X The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this

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 2023-06-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: OH

Complaint narrative:
I was going over my credit file and I noticed that there are addresses that do not belong to me and several other accounts information that is not correct. On or around XXXX or XX/XX/2020 I had a few late payments from the following companies : XXXX  XXXX XXXX ( COVID ) XXXX XXXX XXXX ( COVID ) XXXX XXXX  XXXX XXXX ( XXXX ) DEPT OF EDXXXX XXXX ( COVID ) I have a few accounts that are showing me XXXX days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. I have on paid on my accounts are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. 
The following addresses are not correct and do not belong to me please delete : 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: OH

Complaint narrative:
I was going over my credit file and I noticed that there are addresses that do not belong to me and several other accounts information that is not correct. On or around XXXX or XX/XX/2020 I had a few late payments from the following companies : XXXX XXXX XXXX ( COVID ) XXXX XXXX XXXX ( COVID ) XXXX XXXX  XXXX XXXX ( XXXX ) DEPT OF EDXXXX XXXX ( COVID ) I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. I have on paid on my accounts are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. 
The following addresses are not correct and do not belong to me please delete : 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

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 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I kept getting unauthorized charges on my account and overdraw fees on top of those charges and when I would dispute the bank would not refund the overdraft charges on those charges leaving me with a big balance

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 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MS

Complaint narrative:
Goodmorning, I am XXXX XXXX, on XXXX XXXX my belongings were stolen from my vehicle. I locked all my cards I had just added XXXX on my cash app card to pay my bill which is due today. I have already filed a complaint/ dispute & I was told I had to wait up to 45 days. I am writing this because they were rude & stop responding to my emails. I have filed multiple disputes because it was more than 1 but I had to wait until it got done pending on my account. I need this to be resolved ASAP because my money is gone and they cant tell me how or why. I need answers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo charged me overdraft fees on numerous occasions and were not valid

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 2023-06-05 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: GA

Complaint narrative:
I have asked Equifax several times to properly do an investigation and it has been more than 30 days and THEY CAN NOT FURNISH ME THE CONTRACT THAT I HAVE BETWEEN THEM but are constantly reporting it on my consumer report as Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX In According to 15 U.S. Code 1692g - validation of debts. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. In I have showed them multiple times of how they are keep violating the Fair Credit Reporting Act. This is hurting my future and I wish someone would hold them accountable for this improper reporting on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/XXXX - Opened an account with US Bank in response to an online promotion for {$500.00} on bonus cash if you opened a new checking account and completed {$6000.00} in direct deposits within 90 days. The representative confirmed - twice - that this promotion was applied to this account. 
XX/XX/XXXX - The third direct deposit was made, which now totalled to over {$7500.00} in direct deposits into the account, meeting the requirement. 
On or around XX/XX/XXXX - I contacted US bank to request information on the {$500.00} bonus, as it had been over a month. They confirmed the promotion was on my account, but stated it would be a month from the end of the promotional period, and thus would come in around XX/XX/XXXX. 
XX/XX/XXXX - It did not come in, and I contacted US bank to get information about the {$500.00}. An appeal was filed. 
XX/XX/XXXX - I received a callback, and we shared some additional information, and put in the appeal again. This I have received no callback on. 
XX/XX/XXXX - I contacted US Bank, and spoke with a woman named XXXX ( sp? ) who apparently didn't think I existed. I told her I needed the status on the appeal with a date of deposit or I would like to cancel my accounts. Despite giving all the information requested, she could not verify my account, gave some platitudes and notions regarding the promotion. When I then asked to cancel, she pleaded connection issues that she could not hear me. I wound up hanging up. 
XX/XX/XXXX - I called in and spoke with a woman named XXXX. I told her I wanted to either get the status on the appeal or close all accounts. She stated the appeal still appeared open, but would have to transfer me to XXXX  banking for more information. She gave me a phone number ( XXXX ) in the event the transfer failed. The transfer did, in fact, fail - she hung up on me. When I called the number, it was mobile app and online technical support, not XXXX  banking. 
XX/XX/XXXX - I found, via online search, the XXXX  banking number ( XXXX ), and contacted that number. I again spoke with a banking representative and told her the same thing - either I need the date the money will be deposited, or I would like to close all accounts. She said she would research it and put me on hold for an extended period of time and then hung up on me. 

There appears to be a pattern that if you intend to close an account, they will use any attempt to get you off the phone to prevent you from doing so. This is after - via negligence or malice- repeatedly failing to honor their promotion.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am XXXX XXXX. I am writing the complaint to you again. On the XXXX of XXXX Truist bank closed my account without explanation. Both debit card and credit card were blocked. So I could not go on line to the account. Some payments were pending on credit card. It was a dispute about the flight with XXXX XXXX, they must return my money of XXXX dollars but I bought the ticket in the company XXXX XXXX. On the XXXX of XXXX I received the letter from Truist, that XXXX cents were received on the Truist account. I thought that the rest of money will be paid later. I never get any bills from Truist credit card and I could not get on the account online. I knew that some money was also pending on the card because XXXX gave me the {$20.00} refund issued on XX/XX/2023. 
XXXX received on : XX/XX/2023 on credit card account, also I had the rewards of XXXX dollars on the credit card. Yesterday I received email from Truist : '' Your credit card payment has not been processed. 
This is an automated message. Please do not reply directly to this email. 
We ran into an unexpected error. 
Hello XXXX, We were unable to complete your requested transaction due to an error during processing. Please initiate a new transaction request. XXXX From account : Truist Checking XXXX To account : Truist Consumer Credit Card XXXX Transaction date : XX/XX/2023 Amount : {$20.00} Confirmation : XXXX '' So, they began to charge interest to my credit card even without sending any bills to me, I called them yesterday and today I was talking to supervisor, she told me that they began to charge interest on my credit card before when the case was still pending. The credit card is not working since XXXX of XXXX, they did not send me any bills or any statements. Supervisor told me that I owe them XXXX dollars. So I want your help to stop their fraudulent activity. Supervisor told me on the phone that only today she will send me the statement on my credit card. Before there were no bills and no statements and the card was blocked. I ask your help to take off that interest payments on my closed credit card. Regards, 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 2023-06-05 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: TN

Complaint narrative:
I am writing to dispute information on my credit report that is related to a bankruptcy filing. According to my credit report, there is a bankruptcy filing that was reported in XX/XX/XXXX However, I have not filed for bankruptcy and the information on my credit report is incorrect. 

I sent letters to you on XXXX XXXXand XX/XX/XXXX requesting that this information be removed from my credit report, but it has not yet been corrected. I also contacted the US Bankruptcy Court, and they informed me that they did not report or verify this information. 
Please send me a written response confirming that you have corrected the error and removed the bankruptcy information from my credit report. If you are unable to verify the accuracy of this information, please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: AL

Complaint narrative:
i had a self inc credit builer account when i was close to payout like 2 weeks they closed my account and put my deposit on hold its been 45days no reponce will not refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: PA

Complaint narrative:
please remove incorrect unauthorized accounts and reverse late payments from report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander Consumer Credit has stated that the account information on my XXXX report is correct. However it should been removed as of XX/XX/2023. I have tried to resolve this matter with both Santander Consumer Credit and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: IL

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

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 2023-06-05 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: AZ

Complaint narrative:
I previously submitted multiple disputes in regards to an unverified collection account placed on my credit report by a company named XXXX XXXX XXXX. From my previous disputes, along with my complaint through CFPB, Transunion removed the collection account in XX/XX/2023, however just placed it back on my credit report on XX/XX/2023. 

Transunion has not justified or provided proof as to why the reappearance of this alleged collection account is back on my credit report. They still have not provided proof of the following : XXXX ) Proof of the original contract with the original creditor showing my wet signature. 
XXXX ) The full payment history from the original creditor. 
XXXX ) The proof of debt assignment showing how and when this alleged debt was purchased. 

Without providing proof of these requested items, I am being taken advantage of and my consumer rights are being violated. I am fully aware that as the credit reporting agency, they have to follow proper verification procedures before placing anything on a consumer 's credit report and Transunion has not provided any proof of these procedures taking place, nor provided any proof of the validity of this debt other than the word of 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 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MI

Complaint narrative:
It has come to my attention that whenever funds are deposited into my account on your platform, Cash App, notifications are sent to companies to initiate charges on my card. Furthermore, despite the issuance of a new card after reporting it stolen, unauthorized individuals have managed to make charges using the previous card number. Additionally, it appears that companies continue to charge my card whenever I make a deposit. 
{$2.00} XX/XX/XXXX XXXX  {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3.00} XXXX XXXX XXXX XXXX  {$3.00} XX/XX/XXXX XXXX  {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3.00} XX/XX/XXXX XXXX  {$8.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Going back into last year. I will give rest of dates going back into XXXX upon request. 
I have reached out to Cash app several times. They do not answer phone and nothing is getting done. I am ready to take this issue further.

Company response to consumer: Closed with explanation