vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX told bank that the XXXX XXXX and XXXX XXXX and XXXX XXXX was not authorized the A credit company was canceled 2 months back, bank even put a stop payment, told the company that they had no claim to the money they took, all I got was a oh well, and I asked the bank why did they give the money after the stop, they said well they asked for it

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency cant furnish an account without my written instructions.

15 U.S.C 1666B : a creditor may not treat a payment on a credit account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 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 2023-06-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-06-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was issued the check XX/XX/2023 for the amount of XXXX from a XXXX XXXX bank which I deposited to my Bank of America account. There was a hold placed on the said check. For the following day, I deposited my paycheck from my regular work with the amount of XXXX XXXX  with this being a regular check that I have been depositing for the past eight months a hold was placed again on this check now reading through that my federal banking rules {$200.00} of that XXXX should be available in my account within one business day or two business days I already reached out to Bank of America in one of local bank near me. And also called the XXXX number that they provided me with hopes to get a clear at least on my regular paycheck as bills are getting due. But the agent i spoke with only recommended that i activate the overdraft in my account so that my bills would go thru. I asked them specifically if they would waive the fee if overdraft or for late payment fee as this isnt even fair for them to do this. For a person living paycheck to paycheck. I can not afford to pay late fees. Im really disappointed how bank of america handled my situation.

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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: KS

Complaint narrative:
Dear [ CFPB ], I am writing to file a formal complaint against CashApp, a money service app that operates as a bank account. I believe they have violated their own terms of service by engaging in questionable practices that have resulted in significant financial distress for me. 

I discovered that a substantial amount of money had disappeared from my CashApp account without any prior notification or explanation. To my surprise, there were no transaction statements or emails indicating the occurrence of any refund or withdrawal. It was as if the money had simply vanished into thin air, leaving me concerned about potential fraudulent activity. 

After numerous attempts to ascertain the cause of this unexplained discrepancy, I finally reached out to CashApp 's customer support. Their response left me further unsettled. They claimed that a technical error had occurred, resulting in two transactions, one on XX/XX/XXXX for {$74.00} and the other on XXXX for {$40.00}, being refunded weeks after they should have been completed. However, I was never informed of these alleged refunds, nor was there any record of such transactions in my account statements. 

Months later, on XX/XX/XXXX, CashApp withdrew an additional {$110.00} from my account without any form of notification or transaction statement. This action is a direct violation of their own terms of service, specifically XXXX XXXX, which clearly states their liability for incomplete or incorrect transactions. 

What exacerbates this situation is that I rely on biweekly direct deposits from my employer. The regularity of these deposits reinforces the notion that my account balance accurately reflects completed transactions. However, CashApp 's alleged technical errors and subsequent actions have shattered this trust, leaving me in a state of financial turmoil and uncertainty. 

The lack of transparency, communication, and accountability displayed by CashApp is deeply troubling. They have failed to uphold their obligations as outlined in their terms of service, disregarding the importance of promptly notifying customers of any incomplete or erroneous transactions. 

This situation has caused me immense distress and has had severe financial implications. It has forced me to take time off work to address the issue, disrupted my ability to pay bills, and jeopardized my housing situation. The emotional toll has been significant, as I grapple with feelings of violation, helplessness, and anxiety over the security of my financial resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: Open Dealer Exchange, LLC
State: PA

Complaint narrative:
I've been subject to unlawful use of a credit card in my name ( SSN ) on XX/XX/2023. I was denied credit in order to attain XXXX Pickup Truck on this date, yet there remains an inquiry on my credit report, meaning that there was money transferred, or made with the use of my SSN ( credit card number ) & I have not benefited from this action, as I was denied the extension of my credit. This is a clear violation of 12 CFR 1002 ( Regulation B ) & considered credit discrimination. I am a creditworthy consumer & I can not be denied an extension of my own credit, much less by a business who intends to use my information for profit.

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

Complaint narrative:
There are multiple inquiries on my account that were made. Ive asked them to removed inquires because I didnt make those inquires. my account has identity theft on and my account is also frozen. 

Ive called all these companies about the inquiries. Ive called on XXXX TransUnion XXXX Nothing was deleted from all of the company accounts. 
Inquires were dated on TransUnion XXXX. XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Ive asked them to delete address XXXX XXXX XXXX XXXX XXXX XXXX Nv 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 2023-06-06 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: CA

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian 's process compared to XXXX and XXXX is burdensome and extremely slow and it will cause a delay in purchasing a home.

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 2023-06-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-06-06 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: IL

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
O & L Law Group , P.L . Is a debt collector. We are trying to collect a debt that you owe to galaxy international purchasing, llc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: FL

Complaint narrative:
This is my formal complaint to Experian I sent a letter last XX/XX/2022, to them regarding the unauthorized inquiries reflecting on my credit report and I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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.

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 2023-06-06 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: WI

Complaint narrative:
This is my second notice. I sent letters to Equifax, XXXX and XXXX with no resolve yet. I asked for my name to be corrected within there system and I sent along a copy of my State ID with the correct spelling of my name. Anything else with my name misspelled should have been deleted along with the charge off accounts. This is effecting my credit and this should have been resolved.

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

Complaint narrative:
This is my second notice. I sent letters to XXXX, Experian and XXXX with no resolve yet. I asked for my name to be corrected within there system and I sent along a copy of my State ID with the correct spelling of my name. Anything else with my name misspelled should have been deleted along with the charge off accounts. This is effecting my credit and this should have been resolved.

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 2023-06-06 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-06-06 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: NJ

Complaint narrative:
To whom it may concern, I XXXX XXXX XXXX, try to apply for a credit card and was denied because of the incorrect credit reporting from Equifax, XXXX, and XXXX Credit Bureaus, so on XX/XX/2023, I send Equifax, XXXX, and XXXX Credit Bureaus, I sent them a letter informing that they are reporting incorrect information on my credit report, they reply that all the information was updated, I never had any credit cards, only debit cards, and I requested them to update my credit report and delete the incorrect accounts, 1. XXXX XXXX XXXX # XXXX 2. XXXX  # XXXX 3. XXXX XXXX # XXXX**** Today XX/XX/2023 I check my report with Equifax XXXX XXXX XXXX and XXXX, and the fraudulent accounts are still reflecting on my credit report, please help me with this issue, thank you.

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

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2023-06-06 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: LA

Complaint narrative:
On XX/XX/XXXX, I was scammed by an individual through XXXX XXXX, sending them {$220.00}. I contacted my bank and reported a dispute on that same day. On XX/XX/XXXX, my bank, Capital One, denied my claim.

Company response to consumer: Closed with explanation