vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: MA

Complaint narrative:
I opened a joint checking account with AXOS bank with my husband on XX/XX/XXXX and transferred all of the gift money from our wedding, along with setting up direct deposit. On XX/XX/XXXX I received a notification that a XXXX payment of {$2500.00} was sent to someone named XXXX XXXX. I do not know this person and never sent this payment. I had such a hard time trying to get ahold of a real person to help shut down this payment. The robo chat feature goes in loops and doesn't connect you to a real person when you ask it to. Eventually I got ahold of someone and they helped me stop the payment but they also put a restriction on my account without telling me. They also could not tell me how this happened, if I was hacked, or how to prevent this in the future. I could not transfer any money from my account and there was no follow-up from anyone why this happened or how to unrestrict it. Days past and I finally was able to get someone on the phone and they made me set up another checking account in order to move the money. Even with the new checking account I couldn't transfer money in my online account. I tried calling, I tried the chat, I tried their secure message system, and no one got back to me with any solution. They finally unlocked my account but the dashboard and the transfer move money option would not load. I sent them screenshots of errors, tried multiple browsers, and cleared my cache. Nothing worked and they kept denying that there was any problem. I finally got someone on the phone today on XX/XX/XXXX to escalate my message to send me a cashier 's check and close the account. Why was this not done in the first place? They have over {$11000.00} of my money locked up without any plan to give me access to it. There was no follow-up with anyone at the bank and they felt no urgency getting this resolved, which was no fault of my own. AXOS bank has basically stolen my money without any access to it for WEEKS. Their customer service is basically non-existent and they have no communication within the company itself. Also, they have no security, because how was this XXXX payment initiated in the first place? They need to figure out their workflows for dealing with hacked accounts, create actual customer service, and have better security. This experience was so horrible that I would never use them again, and honestly they should be shut down because they should not be trusted with anyone 's money given how poorly they handled this situation. Does anyone actually work here? It seems like it's just automated and the system is completely broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
My realtor checked my credit profile and there is a collection on all three bureaus for {$290.00} from CCS COLLECTIONS ALLEGED ACCOUNT # XXXX that does not belong to me I sent CCS a certified letter DEMANDING FOR VALIDATION AND PROOF OF CLAIM and received no evidence of such a debt from CCS XXXX This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. I called the XXXX to verify this debt and no one could give me information on such a claim. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the XXXX XXXX XXXX ( XXXX ) 15 USC 1601 et seq. In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I am in the process of filing for {$1000.00} per violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-10 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: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX

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 2022-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest stated that I need to make my payment of XXXX by XX/XX/31, which I did, or they would report my account delinquent. They still reported me 30 days late despite me making the payment as specified. I have a screenshot of it. When I contacted them regarding it, they said that the payment most POST to my account by XX/XX/31, whatever that means, which is why they reported me late. I made the payment on XX/XX/31. They took the funds out of my account on XXXX. I have proof of it and the screenshot I took saying that my payment needed to be made by XX/XX/31.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Experian Information Solutions Inc.
State: NY

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 XXXX : # XXXX, XXXX  XXXX/XXXX  # XXXX, XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  : XXXX XXXX XXXX XXXX  : # XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX  : # XXXX XXXX  XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # 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 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 2022-11-10 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: NY

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I made a purchase on XX/XX/XXXX for {$240.00} at 0 % promotion for XXXX due XX/XX/XXXX company XXXX made another purchase to a different company also at 0 % for XXXX for {$130.00} on XX/XX/XXXX however due to statement cycle date this is due XX/XX/XXXX, company XXXX XXXX  XXXX 
I returned part of the purchase from XXXX and was issued a credit on XX/XX/XXXX for {$120.00}. However my balance due on XX/XX/XXXX didnt change. They applied this credit to the XXXX XXXX purchase and I know owe {$11.00} for the XXXX XXXX purchase. This is deceptive. Reallocating credit could have me paying them more interest.

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 2022-11-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good morning... I have written transunion and XXXX multiple times letting them know that i believed that there is a bankruptcy on my credit report reporting inaccurately..they investigate and nothing changes it is still reporting inaccurate information... i wrote the court directly and they stated that the information being reported on my credit report is incorrect, ,i have attached a copy of the letter and a copy of my credit report as proof

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 2022-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-11-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Re : Notice to Cease and Desist To Whom it May Concern : While checking my credit report, it came to my notice that your Company has furnished an account on my report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your company formal notice to cease any further communications regarding this account immediately.

This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this communication, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 


If you do not cease communication a lawsuit will be commenced against you.

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 2022-11-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is now the second time I am trying to resolve my issue with Wells Fargo. I have been disputing a fraud case for over a month in a half which is getting me nowhere no matter how many times I call. They give me denials continually based on the facts that they believe I had the card when the charges where made or that I authorized said charges which I had not. So according to their factsI am still responsible for all the charges that were made on my credit card. Meanwhile some of these charges were cash advances to both the fraudulent checking account and savings account. Those accounts previously mentioned were closed down as fraudulent/unauthorized accounts by Wells Fargo XXXX They closed both accounts marked them as fraud and removed them from my account dashboard. So that leaves me with the question of how am I responsible for the {$550.00} ( plus interest fees ) in cash advances for money that I never recieved but rather was sent to a fraud account? On top of that I reviewed the account credit card rewards and {$370.00} in cash rewards was sent to the this fraudulent savings account for cash back rewards. If I am responsible for all these " alleged '' credit card charges and they are forcing me to pay for these charges why did I not recieve the {$370.00} in cash back rewards? Its not fair that they are charging me for charges I truly did not make nor did I allow anyone else or authorize any other charges. I am tired of trying to dispute with them because they still won't fix this issue after a month of going back and forth they still have done nothing but tell me to wait 30-45 days for a response!

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 2022-11-10 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: EQUIFAX, INC.
State: MS

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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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