vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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: S & S Recovery, Inc.
State: TX

Complaint narrative:
S & S Recovery agreed that if I paid the total amount I owed on XX/XX/2023 of XXXX, they would remove it from my credit report. However, the debt has been paid, and they haven't removed it from my credit report. Therefore, the representative agreed to DELETE it if I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

ACCT Name : XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX  ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT XXXX XXXX ACCT Name : XXXX XXXX  ACCT # XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT XXXX XXXX ACCT Name : XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT Name : XXXX ACCT XXXX ACCT Name : CXXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX XXXX XXXX XXXX  ACCT # XXXX ACCT Name : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

ACCT Name : XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT XXXX XXXX ACCT Name : XXXX XXXX  ACCT # XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT XXXX XXXX ACCT Name : XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT Name : XXXX ACCT XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX  account begining with XXXX  has violated my rights. 1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I set up autopay when I created the account, and paid on time for a full year. Recently, I received a letter stating that I had a past due balance and a late fee. I called to find out what the problem was, and found out that they turn off autopay if you pay your balance, which is not how autopay normally works, and I was not notified that autopay was turned off. I paid the remaining balance and was told that the account would be closed they would remove the late fee. However, they kept sending statements and reporting that I was late. I disputed the fees and was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I received a letter from a law office stating that I owed an amount for a medical service done on XX/XX/2022 which I had not received. I do not reside in the location where this service is said to have been provided. The amount I am being charged is {$2900.00} for medical services provided by XXXX XXXX XXXX XXXX in XXXX XXXX XXXXXXXX, and is being collected on by Harris & Harris Ltd. based out of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX. 

For context, is the second time that a company tries to collect money from me. I already tried to file a police report for a ticket that was issued to my name on a car that did not belong to me, as some one used my information and got a vehicle registered under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
At the end of XXXX in XXXX Chase closed our account due to suspicious activity. We received the money already in our accounts, however we have not received two checks for {$2200.00} and {$620.00}. 
In XXXX of XXXX we went to a branch and were told these checks were sent back to the Department of Treasury. My husband worked with his commander to have these checks reissued, but they were told they had already been cashed. 
I spoke with Chases fraud department today, XX/XX/XXXX, and was told the did not send back the funds but that they were unable, and are still, to verify the checks in question were issued. We were told there was nothing either party could provide to prove we had not received the funds or that the checks were valid. 
Their resolution is to allow the funds to hang in suspension for up to two years and let them go to unclaimed funds. Which we would likely have to pay more taxes on after we already had them taken out of the checks initially. We do not feel this is an acceptable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
There was an XXXX order that I never received. I contacted XXXX and was refused any resolution. THen I contacted my bank US bank and received this letter attached. Without any explanation, US bank just straight out refused helping me.

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 2023-05-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

Following Accounts XXXX XXXX XXXXXXXX {$1600.00} No account number listed on report XXXX XXXX # XXXX # XXXX XXXXXXXX XXXX XXXX {$72.00} # XXXX XXXX  # XXXX XXXX XXXX XXXX {$16000.00} # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
I have a collection company ENHANCED RECOVERY COMPANY trying to collect a debt on account that was no made by me. I have disputed this account and asked for them to send documents stating that this account is verified and received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
XX/XX/23 I spoke with XXXX ID # XXXX a representative from Equifax about a block being on my credit file that I did not authorize. Prior to this conversation I was told by an Equifax representative that they had no credit file on me. With all this being said someone is not being truthful. This is causing me grave harm. My bank has not been able to pull my credit report due to this issue! I demand to be remedied for this situation. I am the consumer and I only have the right to block this file! NOT EQUIFAX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Dear US Bank NationaXXXX, Are We in Loss Mitigation right now? 
Please respond with a letter stating yes or no. Explaining why or why not. 
See attached, US Bank National letter to me dated XX/XX/XXXX to reach out to them for help with mortgage. 
I reach out with a Mortgage Assistance Application on XX/XX/XXXX. 
Sent all disability and income/pay stub attached. 
US Bank Acknowledged by email to me on XX/XX/XXXX - see attached - that they did receive it. 
Please have your Attorney cancel the sale date of my home set for XX/XX/XXXX. 
The letter you sent me dated XX/XX/XXXX, was BEFORE your Attorney got a sale date on XX/XX/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 2023-05-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX has reported an inaccurate balance amount from Bank of America on your credit report for the month of XX/XX/2023.

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 2023-05-03 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: NH

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AL

Complaint narrative:
In XXXX of this year, I used Cashapp to order groceries from XXXX with a charge of {$70.00}. I could clearly see my account go down to {$0.00}. Fast forward an entire month later, I wake up to a cash app notification saying that a {$70.00} payment from XXXX was completed. They had just taken money I had just received from relatives not XXXX hours ago.I had called their support and cash app claims that there was a " glitch '' that returned the money from the charge. Even though, my account remained at XXXX, they claimed I received the money an that they couldn't return the {$70.00} that they took from my account without any authorization or notification from me. After checking their recent reviews they've had multiple people have this " glitch '' and had cashapp pull money from their accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX account begining with XXXX has violated my rights. 1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX account begining with XXXX has violated my rights. 1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
To whom it may concern, On XX/XX/XXXX I opened an Checking Account at TD Bank N.A ( US Account ). 

I received an email asking to contact them to process the Debit Card.

In the same day I called them, and they confirm that the Debit card would be sent to my mail address.

I got access to the online banking, to the App and everything was set up. I received a transfer as well that was properly deposited in my account.

One week later, I tried to deposit two cheques that I received from the University as refund for travel expenses. They send me 2 cheques with the same amount of {$170000.00}. 

I knew one of them probably was not valid due to the duplication but since I didn't know which one, I deposit both. One on XX/XX/XXXX at night and the second on XX/XX/XXXX in the morning. I was expecting that probably one cheque would bounced but the other one would be deposited, however I didn't know which of them. 

After that both cheques were put on hold by TD Bank for further evaluation.

After few days, as expected, one cheque was bounced. However instead of depositing the second cheque, TD Bank just closed my account without any further notice. 

In the mean time, the bank had already approved my credit card with XXXX limit, which for me means that there was no problem in my credit score and history. 

After this unpleasant situation I called the TD bank to verify the reason for closing my account. For my surprise, they said they can not inform me the reason! 

The only information I got is that the account is closed and the amount will be sent by cheque to my mail address including the amount of the second cheque AFTER the processing time for the cheque that still on hold. And the whole process can take up to 30 days. 


In summary, TD bank closed my account with no pertinent reason, without any notice and is holding my cheque and residual checking balance. 

My major concern is not only about getting my money back but actually, the impact of this on the next bank account I will try to open. 

I am a XX/XX/XXXX, relocating from XXXX to XXXX, and I obviously I will need a good bank account to deal with significant income amount every month, as well to build my credit score for the mortgage. 

The only possible reason that come to my mind, since the back said that they " can not inform me the reason '', is : Maybe TD bank suspected fraud about the duplicated cheques (? ) and for " security '' reason they blocked and closed the account? 

If this is the reason, would be more reasonable call me or called XXXX XXXX XXXX to verify the authenticity of the cheque instead of harming the account owner? 

This is just unacceptable and extremely humiliating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I received a digital letter from Lowes/Synchrony that my credit limit was being lowered to {$100.00}. Due to a XXXX credit score, Lack Of Real Estate Secured Loan Information, No Open Bankcards In Your Credit File, Balances On Accounts Too High Compared To Credit Limits And Loan Amounts, Delinquent Or Derogatory Status On Auto Accounts Is Too Recent. 
This is my true info : Total Accounts 34, 18 open accounts / 16 closed accounts. On-time payment history 100 %, 0 late payments, Excellent Rating. Derogatory marks 0, 0 collections / 0 public records, Excellent Rating. Credit card usage 13 %, Good Rating. Credit score over 750.

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 2023-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
XXXX auto loan balance has not been updated on my credit report since XX/XX/XXXX. Per conversations with XXXX XXXX, they claim they've been sending monthly updates, however none of my credit reports are accurate. There is a break down in the process somewhere which they're not acknowledging. 

They all show an incorrect balance of XXXX with last payment date of XX/XX/XXXX. 

Correct balance as of XX/XX/XXXX is XXXX - last payment in XX/XX/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 2023-05-02 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: MD

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate Inquiries

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 2023-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This was cancelled debt and is accurately being reported per 15 usc 1681e ( b ). I filed a dispute and it is still reporting to all three bureaus. 

XXXX XXXX Credit card

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