vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 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: 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 USC 1681. 

XXXX. Account # XXXX ; Balance {$1300.00} Open Date : XX/XX/XXXX. 

XXXX XXXX Account # XXXX ; Balance : {$95000.00} ; Open Date XX/XX/XXXX XXXX Account # XXXX ; Balance : {$48000.00} Open Date XX/XX/XXXX XXXX Account # XXXX Balance {$2700.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Account # XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX. Account # XXXX Balance : {$8000.00} Open Date XX/XX/XXXX XXXX XXXX. Account # XXXX XXXX {$1400.00} Open Date XX/XX/XXXX XXXX. Account # XXXX Balance : {$140.00} Open Date XX/XX/XXXX XXXX Account # XXXX Balance : {$18000.00} Open Date XX/XX/XXXX XXXX XXXX. Account # XXXX Balance : {$410.00} Open Date XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: WV

Complaint narrative:
I was a customer of US BANK until out of the blue I started receiving letters from US bank stating they was closing my account I had no clue why and I still don't I filed a complaint with the XXXX XXXX XXXX and some lady from the same bank but not my branch bank replied back and said it was they couldn't verify my identity but yet I had this account for a good 6 months prior to this, upon me receiving the notices of account closure I called them to find out what was going on and all I got was the run around, now not only have they closed my accounts with no explanation but this bank also took money from me I had money in my account as well as a XXXX dispute credit and it's gone they trying to say that I had a couple of purchases that made my account in the negative or whatever and that's not true everytime I used my bank card that's what they said and I knew for a fact I had money in my account I always checked before making a purchase they even denied credit card payments I made and put me XXXX in the whole. 
Now remember this all started in XXXX its now XXXX XXXX  months later and they send me a check for {$31.00} trying to say that's all I had left in my account that's bs they kept me from my account I couldn't access it in anyway and come to find out they was still charging me there statement and processing fees on a account that I wasn't able to use this bank needs to be help reliable for this and they need to give me all my money back I'm not cashing this check for the amount they are wanting to say I have because after this if it don't help then I'm going to a lawyer I do have all the paperwork I have ever received from us bank.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax and XXXX continually have reported closing balances incorrect and have not adjusted my credit score accordingly. These cards are paid down extremely fast each month and my credit score is not reflecting the current balance each month! Please have this corrected, because it is affecting my ability to get a low interest rate loan. I have attached documentation that reflects balances as of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: GA

Complaint narrative:
Experian, XXXX and XXXX continually have reported closing balances incorrect and have not adjusted my credit score accordingly. These cards are paid down extremely fast each month and my credit score is not reflecting the current balance each month! Please have this corrected, because it is affecting my ability to get a low interest rate loan. I have attached documentation that reflects balances as 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 non-monetary relief
Consumer complaint received 2023-05-15 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:
I have sent in multiple disputes asking that both Equifax and XXXX verify these accounts. I have not been provided any proof of these accounts being verified. I attached my XXXX credit report showing that both XXXX XXXX- XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  XXXX has been removed. This is a direct violation of my consumer rights. Not only arent they actually verifying the debt but it has been removed from one credit report. Please delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I have two loans with this company, Upstart. The loan numbers are as followed : XXXX and XXXX. I called in last month to dispute a payment that had not been made because my email address changed and I did not receive notification - once on the phone I made the payment. However, the creditor still proceeded to add a late payment to my file. Also, on XX/XX/XXXX I requested a hardship assistance- to which they said I would receive documents in the mail - the documents were never sent. Then I called in today to find out they are saying that payments are past due even though I requested a hardship ( which they clearly did not document. Also, I request that they update my email ( which they clearly have not done either ). Furthermore, their representatives constantly hang up the phone and make it difficult to achieve assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 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: NC

Complaint narrative:
Not sure why this account is still being shown on my report. XXXX already removed the tradeline from the report as this fraudulently opened. XXXX has already removed the tradeline but for some reason, XXXX and Transunion keep saying the information is accurate?? Please have these removed immediately as it is impacting my credit worthiness and future purchases.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in accordance with fair credit reporting act XXXX  account 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 written instructions

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 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
On around and about XX/XX/2023 at XXXX I received an inconvenient phone call from a company by the name of Sunrise Credit Services who is headquartered in XXXX, Ny. The agent specifically said that this call is an attempt to collect a debt which immediates put this company in violation of FDCPA. I proceeded to tell him to contact me in writing. He lied and said that they sent 2 letters in the mail which I never received and I don't even know who this company is and why they are harassing me. The agent then states that if I don't pay then the next step is to reported to my consumer report which is false and misleading because I have no contract with them and wherever they purchased my information put the company in violation of Identity theft because my information was obtained for the purpose to cause me harm. I am a natural person who can speak for himself and will not tolerate anymore harassing calls from this company. In the attachments below I have proof of Sunrise Credits Services repeated phones, I sent a cease and desist letter, I filed an Identity theft report, and an invoice for their violations against me. Next will be an attorney general complaint with the same evidence proving their unfair debt collections practices.

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 2023-05-15 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 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: TN

Complaint narrative:
have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I received a letter saying a had a written a check that had insufficient funds from TRS recovery services. I telephoned the agency and spoke with XXXX XXXX on XX/XX/23. She stated that the account # ending in XXXX, however this is not my account. I only have a joint account with my husband and his name isn't listed on this letter. I am not aware if someone has an account using my name or if this company is a scam. I received another notice on XX/XX/23

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 2023-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I believe Wells Fargo knowingly mis-managed, mishandle and charge me in handling my mortgage. 
As a consumer I had to go to extend and go to XXXX  XXXX to clear things up. All is in the records. 

Know that all came to light I expect, as a consumer, to be compensated for the wrongful doing of Wells Fargo Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
So someone managed to hack my cash app, remove my phone number from my account, use my debit card to send thousands of dollars and still has access to my account, as I cant get help from anyone at cash app to remedy the situation. When I go to sign in, it has me create a new account and I contact support explaining the issue and they direct me to verify my identity, which once done, alerts me that my account has been closed and prevents me from contacting support further. I have also contact via phone, to no avail. So I have had to contact my bank and am told it will take ten business days to receive any kind of credit from the unauthorized transactions, if ever. Due to this, I will lose my home, possibly my car, if I ever get my money back. I intend to take this matter to court should Cash App not remedy the situation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have repeatedly over the last year contacted Bank of America telling them I have NEVER set foot in a BoA. I don't know how or who opened an account in my name but after repeated attempts it would seem they have once again opened an account in my name. Can you PLEASE set them straight? I fear my identity is being misused, and they aren't doing anything about 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 2023-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Per the Indiana XXXX website the lien holder listed for my XXXX XXXX XXXX  is BMO Harris Bank. I called BMO Harriss auto loan division to request a release for the title on XX/XX/XXXX. I requested the release electronically and was told I would receive it right away. I called back on the following Monday and was given no information about the status of my request for release, just that an additional release could be submitted and that it would be 4 business days. I called back on Friday ( XXXX XXXX and was given no information again from the first representative I spoke with, just that another release could be placed and it would take 12 business day. I asked if there was anyone else I could speak with that may have more information on the request or could help me expedite things as this is a time sensitive manner. I was not given any other options on transfer, no explanation, and no further help. The only response I received was Thats just the way it is and then the representative stopped responding to me at all. It was the worst customer service I had ever received. I hung up and called back to BMO Harris is hopes I would get more help from another representative, my second representative was able to see the status of my request, that it was unable to be processed and I was given a number to call with no further information. This number led me to XXXX XXXX, after speaking with multiple representatives they could not find any account or information about me. I was told by XXXX to reach out to the FDIC and then referred here by the FDIC. As of writing this I have still received nothing from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I monitor my credit closely and noticed a hard inquiry on my report from TD Retail Services. I contacted XXXX immediately and was told to contact the company that issued the credit card. I contacted TD Bank immediately to let them know I did not open the account. Then I contacted XXXX again on XX/XX/2023 Report # XXXX to let them know I spoke with the issuing company and they promptly removed the hard inquiry from my credit report. I was told by a representative at TD Bank that the name and social security number did not match my home address listed on the application- and the credit card company issued the card anyway. Now there is {$3600.00} in charges that are appearing on my credit report. Fast forward and I receive a letter dated XX/XX/2023 stating I have 14 days to dispute the charges/card- I receive the letter on the XX/XX/XXXX -the XXXX day and when I try to contact the phone number on the letter, it rings and rings and says the voicemail box has not been set up - XXXX XXXX XXXX XXXX I reported the fraud to the 3 credit reporting agencies and am now reporting it to you too. The company is TD Bank Case number XXXX - they are responsible for this mess and I am not a " victim of identity theft '' I am a victim of a company that did not due their due diligence prior to issuing this card. TD Bank issued a credit card for XXXX XXXX XXXX Account ending in XXXX- they are responsible for this fraud. My credit was pristine and now they have reported this amount to the credit bureau which is going to tank my credit when I don't pay the bill I am not responsible for. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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:
I have sent in multiple disputes asking that both XXXX and Transunion verify these accounts. I have not been provided any proof of these accounts being verified. I attached my XXXX credit report showing that both XXXX XXXX- Rooms to go and XXXXXXXX XXXX XXXX XXXX has been removed. This is a direct violation of my consumer rights. Not only arent they actually verifying the debt but it has been removed from one credit report. Please delete these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
While attempting to enter the United States XXXX in 2021, I attempted to attend XXXX University and begin the process of completing my XXXX XXXX. In the course of my time at XXXX though, my schedule began to conflict with the timing and scheduling of the classes I was enrolled in and forced me to not be able to complete them. At the time, I had no way of submitting paperwork to begin the withdrawal process from the University. Inevitably, I failed the semester and was then told afterwards that I owed not only the University, but the collections agency. It was determined in the following years that XXXX University was found to be a predatory institution by the U.S. Department of Education. Currently, Ability Reovery Service has claimed responsibility of the debt repayment, even though I have attempted to reach out to the University to rectify this situation. As a servicemember reentering the military, I was not and still am not sure if I was covered by the Servicemember 's Civil Relief Act.

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