vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account # ending in XXXX I have a negative account from a Regions personal loan that is being reported to credit agencies.

One problem is I have spent hours on the phone with Regions trying to dispute this - and they could not even find this account.

Problem 2 is that I have two personal lines of credit reporting - 1 which is fine, and this one, which shows missed payments, etc. that I have been trying to dispute directly with Regions with no success. 

Problem 3 is that this personal line of credit was tied directly to my bank account. Even if I accidentally 'missed ' a payment- the agreement was it would be automatically deducted from my personal account, so I should not have missed any payments just off this alone.

Problem 4 is I have disputed this with the 3 credit bureaus, and Regions confirmed that the reporting is correct. The attached show what is being reported, and there are a lot of discrepancies. Under the FCPA, confirming inaccurate reporting should result in them removing these items under my protection by this law. 

XXXX shows the account was opening in XXXX XXXX- but the first reporting is on XXXX on XXXX with me being 30 days late, and ends with a line for XX/XX/XXXX ( during COVID as well ), with me being 120 days late. The report says I paid in full, so how are they reporting that as the last line? It states it was paid as agreed, in full, and closed. 

XXXX shows the account as opening in XXXX of XXXX, but nothing was reported until XX/XX/XXXX. It says 73 weeks of reporting, and paid as agreed and closed XXXX shows 7 years, and all the missing lines from the 2 reports above all show as paid with XXXX during that time. The account closed date doesn't match the others as well. 

Regions, to this day, sends me emails saying I am pre-approved for another personal line of credit. That doesn't make much sense if they say I defaulted before. 

I am asking Regions, due to incorrect reporting that has directly affected my credit score, to remove this account from all 3 Bureaus.

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 2023-03-14 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: FL

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 USC 1681. 

Account name : XXXXXXXX XXXX  XXXX Date : XX/XX/2021 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 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 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
Not sure if this is the right place but I have XXXX investments purchased through Cash.app. I am trying to get them to send me my year-end documents. On their website it allows you to " try '' to download the XXXX XXXX file but I can't there is an issue on their end and it won't download. I have contacted them every day for the past month and they just send me back a " canned '' answer on how to download but it does not work. I can't file my taxes without knowing the basis of my purchases and they should be required to give me this info but they are refusing to address an issue so I can get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. I first noticed it when I started receiving calls, emails, texts asking to verifying payment Info for XXXX, cap one, XXXX XXXX etc. One of my credit card companies notified me of unusual activity which prompted me to check my other accounts and banks. Upon doing so, I notice numerous unauthorized debits from my bank account to an impersonating account ( XXXX XXXX ) as well as a few very strange out of country charges. I notified the bank, filed an identity theft report, froze all my credits with bureaus and contact all parties. I sent a copy of everything and transcripts with the disputes and followed up 2/3 everyday but was told after ten business days I would receive a credit or someone would reach out with questions. No one ever called nor emailed, never wanted any documents. Although I sent them 3x proving and showing I am a victim of identity theft and these were all fraudulent charges. On the tenth business day of calling, I was yet to still hear from anyone and they couldnt located any of the 5 documents in emails I had sent ( I sent them again afterwards ). Shortly after I received a denial and was also asked to leave the bank. I have never felt treated so poorly and kicked to the curb in my life. I am not a rich person and am the victim of identity theft and at a loss over XXXX that was fraudulently taking from me account. Capital one treated me poorly and seemed to not even care to want to look too much into it or see the documents I provided showing I am a victim of identity theft. Instead they never cared to contact me, or look into the matter and just wait the ten days to deny and close my account. I still even sent everything to them again anyway showing I was scared and they showed no customer protection from a banking institution at all. Being a victim of identity theft made me feel 100x worse after the way capital one handled it and treated a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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:
I previously filed a claim due to unauthorized charges on my accoun from XXXX for over XXXX dollars. These charges were unauthorized by me and I explained my phone was stolen and that a phone that was on my acct as a trusted phone did not belong to me an XXXX. I have had to file a previous claim with you for charges that occurred after this complaint which is under review where I had. Attached a police report. These charges were not mine and I have been serverly incoinvenced do to these transactions which have caused me to be late on rent and are causing real problems. I would like my money returned to 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 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Macy 's corporate office XXXX XXXX XXXX XXXX XXXX, OH XXXX and and XXXX XXXX XXXX collection agency TO STOP AND DECEASE from harassing me for an account I know nothing about. A negative amount balance of {$1600.00} has been erroneously reported on my credit report for more than 7 years. 

Its a Disgrace how These multimillion dollar companies and collection agencies come after the those working poor and/or the unemployed. The credit report stated I open the store account on XX/XX/2022. 

I have not open any store account during the entire year of 2022 prior or after.

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 2023-03-14 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: UT

Complaint narrative:
CONSUMER CREDIT REPORTS DO NOT FIT MY STANDARDS.

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 2023-03-14 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: UT

Complaint narrative:
CONSUMER CREDIT REPORTS DO NOT FIT MY STANDARDS.

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 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
They continually reach out by email stating I owe this debt. They told me I need to file police report or report to the FTC. FTC directed me to you. I dont recognize this debt and Im continually reaching out to them let me see a contract with my signature or my information proving this is my debt. No one every responds. I finally got response on XX/XX/23 saying I must file a police report. I dont have to, and what am I going to the police station with, when they havent gave me any information this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 USC 1681. 

XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX has violated my rights 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 2023-03-14 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: IL

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 USC 1681. 

XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX has violated my rights 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 explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I notified this bank that I was being impacted by COVID-19 and they still reported my payment as late. I have called and spoken to several representatives and they are claim that they are not able to reverse it. XX/XX/2022 was still reported as late, even after I had notified them that I was impacted.

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 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
( XXXX XXXX XXXX attained a copy of his credit report after applying for an educational loan that was based in part on this particular collection account reporting a debt owed for an unpaid balance on an auto policy. On or about XX/XX/XXXX XXXX contacted a representative employed through a collections agency understood as ( Caine and Weiner ), as reflected on his three major credit bureaus personal profile via the contact information that is displayed beneath the amounts and account information. On or about XX/XX/XXXX XXXX spoke with a representative of this aforementioned debt collection company named XXXX XXXX and asked numerous questions with regards to the account and the reported information at issue herein. She stated that the debt was incurred for coverage that existed and was in place from XX/XX/XXXX to XX/XX/XXXX, and that it was for a two car policy. The cars and respective VINs associated with this policy are as follows ; XXXX XXXX XXXX, with VIN ( XXXX ), and XXXX XXXX XXXX, with VIN ( XXXX ). During the conversation with XXXX XXXX, XXXX asked her numerous questions, where at one point she became belligerent, circular, combative, evasive and redundant ; not answering the question. XXXX repeatedly asked how the debt accumulated, and she stated it occurred for non-payment from XX/XX/XXXX to XX/XX/XXXX. XXXX stated that this could not be possible as auto insurance policies cancel well before a near three month lapse in payments. XXXX asked again how the debt accrued and she repeated the same information, indirectly answering the question and slurring her speech. XXXX is not equipped nor willing to reconcile a debt with this collection agency if they are unable to verify how the debt accumulated and in the face of his demand and request, as afforded through consumer rights laws, that reporting of negative information cease immediately, be removed, all relative information be provided per his request consistent with the debt amount being asserted against his credit profiles with the three major consumer credit reporting bureaus ( XXXX, XXXX and XXXX  ), and that a negotiation or mediation prior to legal action be undertaken so that the debt is truly appreciated for what it is and reconciled from their appropriately without underhanded extortive tactics being utilized to manipulate money from XXXX by asserting a bizarre undue amount against his credit profile information with the three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2023 I was asked by PNC bank to allow access to my consumer report for credit application reference # XXXX. Based on the innacurate experiences illegally reporting with the third party agency XXXX, PNC BANK denied me my own credit. PNC BANK used my social security card # to access funds but in return denied me access to my own funds as creditor. PNC BANK has knowingly and willing violated my rights and discriminated against me, I am now owed remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi, In XXXX we had issues related to XXXX and my son was born ( for which I needed to take paternity leave ). 

In XXXX I needed to take XXXX. Due to this, I also needed to change jobs, from which I was laid off -- due to no fault of my own -- in the beginning of XXXX. 

I am not yet eligible for unemployment and have not found a new job yet and have {$0.00} coming in. 

I have called my credit card companies to ask for a hardship forbearance. 

I called AmEx and have been given the run around, given additional numbers, first I called the number on the back of my card, and spoke to XXXX. She sent me to the " FRP Team '' without explaining what that was, and XXXX then told to call XXXX. 

XXXX picked up the phone, who then transferred me to XXXX XXXX. 

Finally, XXXX told me AmEx would not be willing to do anything unless I would be willing to pay, and that after XX/XX/XXXX I would be sued. He asked for information I believe he had no business to, that was in no ways related to a forbearance so that I could regain my status as a cardmember in good standing after the forbearance was over. 

Yesterday, XX/XX/XXXX, AmEx sent someone over to my residence, who banged on doors and windows, looked through the windows, and scared my wife to the point where she told him she was calling 911. The unknown man left behind a packet of papers indicating I'm being sued, and a number of items in the packet are incorrect. 

Then, today, XX/XX/XXXX, at XXXX someone named " XXXX XXXX '' from American Express informed me that he wanted to " keep my account in good standing '' and that they " valued my business. '' When I mentioned that if AmEx wanted to do that they should drop their law suit, he said he couldn't do that. He asked for a number of pieces of information that was none of their business, like where I bank, and where I work. I told him I had an attorney and that as this was a suit the contact should be through the attorneys but he kept talking anyways. 

It is my opinion AmEx is trying to intimidate me. A process server does have the right to serve me personally, as per the relevant civil codes in NY State, but does not have the right to be a peeping tom and look into my windows and at my wife. 

AmEx clearly lied in that they said they were going to sue me after XX/XX/XXXX, but they tried to serve me XX/XX/XXXX and the papers clearly stated they had actually filed suit in XXXX. 

After initiating legal action ( which has its own set of rules about how they may now contact me through my attorney ) they called me up and asked me to pay off the debt with an implied " or else. '' AmEx certainly doesn't have to be nice, but they do have to follow the rules. This is a clear case of intimidation and I would like to see them drop their suit and work with me like a civilized company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy case number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give. 

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX XXXX Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING

Company response to consumer: Closed with explanation