vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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:
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 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. Please be aware that failure to comply with my request may result in legal action to protect my consumer rights and seek appropriate remedies as provided for under the FCRA.

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 2023-05-12 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: GA

Complaint narrative:
I've run into a brick wall with XXXX, XXXX, and TransUnion. They've ignored all my disputes on my credit report about the inaccurate AND unverifiable information, which violates 15 U.S.Code 1681e ( b ). They didn't take the necessary steps to check the proof I provided, which is their duty to ensure accuracy. 

It's been 41 days since I reported this on XX/XX/2023, way past the required 30-day investigation period stated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). They've left me hanging with zero updates or results. 

Worse still, XXXX, XXXX, and TransUnion hasn't noted my dispute in subsequent credit reports, a clear violation of 15 U.S.C. 1681i ( c ). So anyone checking my credit is getting a distorted view of my situation. 

I'm really frustrated with XXXX, XXXX, and TransUnion not playing by the rules and hope you can help set things right.

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 2023-05-12 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: GA

Complaint narrative:
I've run into a brick wall with Equifax, XXXX, and XXXX. They've ignored all my disputes on my credit report about the inaccurate AND unverifiable information, which violates 15 U.S.Code 1681e ( b ). They didn't take the necessary steps to check the proof I provided, which is their duty to ensure accuracy. 

It's been 41 days since I reported this on XX/XX/2023, way past the required 30-day investigation period stated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). They've left me hanging with zero updates or results. 

Worse still, Equifax, XXXX, and XXXX hasn't noted my dispute in subsequent credit reports, a clear violation of 15 U.S.C. 1681i ( c ). So anyone checking my credit is getting a distorted view of my situation. 

I'm really frustrated with Equifax, XXXX, and XXXX not playing by the rules and hope you can help set things right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: GA

Complaint narrative:
I've run into a brick wall with XXXX, Experian, and XXXX. They've ignored all my disputes on my credit report about the inaccurate AND unverifiable information, which violates 15 U.S.Code 1681e ( b ). They didn't take the necessary steps to check the proof I provided, which is their duty to ensure accuracy. 

It's been 41 days since I reported this on XX/XX/2023, way past the required 30-day investigation period stated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). They've left me hanging with zero updates or results. 

Worse still, XXXX, Experian, and XXXX hasn't noted my dispute in subsequent credit reports, a clear violation of 15 U.S.C. 1681i ( c ). So anyone checking my credit is getting a distorted view of my situation. 

I'm really frustrated with XXXX, Experian, and XXXX not playing by the rules and hope you can help set things right.

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 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
I deposited a check on XX/XX/2023 into the US Bank account for my XXXX. The check in question is my paycheck for {$5000.00}, written by my dad 's company who also has an account at US Bank. US Bank has decided to hold the entire {$5000.00} deposit from XX/XX/XXXX until XX/XX/2023. Given that the check is coming from the same institution I am frustrated that they can not " verify '' it faster, and I believe they only have two business days to do this after reading regulations for " on us '' checks. They refuse to release the hold any quicker than that. I have called twice and have been given little information as to why they do this other than its probably " just random '' or the " check was suspicious ''. They say suspicious checks get flagged but this check is identical to every check I have deposited into this account since I opened it. There is nothing off about this check or how I deposited it. I use their mobile app and have never had this happen with a mobile check deposit. I feel like they are intentionally holding my money until after my credit card due date ( XX/XX/XXXX ) to force me to miss the payment so I have to pay interest and fees.

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 2023-05-12 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 have fraudulent inquiries on m credit reports i reached out many times and they did nothing to help 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 non-monetary relief
Consumer complaint received 2023-05-12 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 have fraudulent inquiries on m credit reports i reached out many times and they did nothing to help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I requested Innovis freeze my file and stop collecting or providing previously compiled information about me. I included a copy of my ID, SS card ( redacted to show only the last four digits ), and proof of address in my letter. However, I provided my FULL social security number in the written request. Rather than process it, I received an email asking me for information already provided. This is unacceptable, and I consider it a stall tactic!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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 — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Hello this is a ongoing matter for 2 months approaching 3 by the time you guys get to this complaint, I rented a car back in XXXX with XXXX car rental in XXXX ga, there was a XXXX. However the car ended up being XXXX, which was paid with the same credit card.,. However the XXXX was never returnt from the merchant, I called and discussed with destiny card services the XXXX was credited to my account XX/XX/XXXX but for whatever reason the charge was reversed back to my card on XX/XX/XXXX. Putting me over my credit limit the credit company ( destiny ) went and back dated my report as over the credit limit and dropped XXXX points, they have acknowledged the mistake but had yet to fix or repair the incorrect reporting to my credit!! Now all I a getting is hang ups and transfers they keep closing out the card as fraud just dont understand why. This matter has affected my stability, I cant get approved for a apartment I have been living in a hotel because of my debt to income ratio!! 

XXXX car rented authorization XXXX XXXX car returnt authorization XXXX XXXX XXXX credited back to me XXXX XXXX charged back to me XXXX received letter from card issuer of reversal with included a detail letter from the merchant that validates what I said happened XXXX card issuer reported over credit limit for 2 months ( 60 days ) XXXX credit score dropped XXXX points XX/XX/XXXX no resolution no response to certified letter sent no credit back of XXXX and no report opened for incorrect data on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX, my wallet was stolen as a result of my car window being smashed. I reported my cards as stolen to Chase and canceled my debit and credit cards. I reported it to the police immediately and filed a police report On XX/XX/XXXX, I went to use my debit card and it was declined. I went onto the Chase app and I had negative funds and my account was frozen. Confident that I was not the cause of an overdrawn account, I called Chase to clarify. 

On XX/XX/XXXX, a check was deposited into my account for {$3800.00}. I did not deposit this check, nor do I know the owner of the check. Then that same day at the XXXX XXXX XXXX Chase branch in XXXX, WI, someone withdrew {$2500.00} out of my account. I am assuming they used my ID as it was in the stolen wallet. The person forged my name and signature on a withdrawal slip. This was all allowed to happen even though I had reported my cards as stolen. A canceled debit card was used at the time of withdrawal. 

On XX/XX/XXXX, I went into the XXXX XXXX XXXX, WI Chase branch to take care of this situation. I provided them with a police report and a fraud claim was filed. 

On XX/XX/XXXX, I opened a new Chase account at the XXXX XXXX XXXX, IL branch. The banker also indicated that all my auto pays would directly default to my new account for one month. At the time of opening my new account, I had no funds because they were stolen from me so I had no money to go into the new account until my fraud claim was settled. 

On XX/XX/XXXX, I was informed that my new Chase account was now frozen because some of my auto pays tried to charge my account but as stated above, I had no funds because XXXX they were stolen from me and 2. I was told not to worry about my auto pays because they would be covered by the new account ( which had no money in it ). I returned to the XXXX XXXX XXXX branch on XX/XX/XXXX to resolve the issue. At this time, I was told that Chase Fraud never received my police report and so no progress had been made by the fraud dept. The very helpful branch manager called to try and resolve the situation but the Chase phone operators told them that my new account is locked and will remain locked because of insufficient funds ( again I have no ability to put in funds because of the fraud claim ). Chase also told me I would have to open a THIRD account because my original account and new account were compromised. 

To this date, XX/XX/2023 I have waited 10 days for Chase settle my fraud claim and return my money. I have also been locked out of my bank account since XX/XX/XXXX. In this situation, I feel that I did everything right. I immediately reported my cards as stolen and canceled all cards. Chase allowed someone to make very large withdrawals, two hours away from my home using a debit card that was reported as stolen. I have spent countless hours trying to resolve this issue and I still remain without my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
Between the dates of XX/XX/XXXX and XX/XX/XXXX there were 10 unauthorized charges on my account. I did not discover this until XX/XX/XXXX. At that time I called to report the unauthorized charges and my account still had a positive balance. They told me they would freeze may card, only to find out a few days later that they had not and my account ended up being in the negative. On XX/XX/XXXX they returned 4 of the 10 payments. I've asked for a supervisor or investigater to keep in contact, but have never received a call for an update. They can not explain to me what is taking so long or why they returned some, but not all of the charges. I also asked why was this account not flagged when these charges were going through, and they said they were going through a system change and was not able to catch it. Also could not explain why they couldnt just deposit the funds and if they found to be non fraudulent just take back out. Very disappointed in this whole process and with UMB customer service and fraud dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: IL

Complaint narrative:
BELOW ARE FOUR ACCOUNTS THAT ARE REPORTING AS LATE PAYMENTS. THESE ACCOUNTS ARE NOT REPORTING CORRECTLY. I HAVE NEVER PAID THESE ACCOUNTS LATE. 
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 explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
I just started my towing business and the way it works is, when XXXX calls me, they need me to pick up a car from a impound lot. They send a virtual card for me to pay with ( or I pay with my cash or card and just charged the virtual card to square and the money should go to my account. ) Square thinks I am performing fraud and asked me for information and froze my account. I sent all the information including my business EIN, details of my business, all other proof they asked for and gave them access to my bank account. 
Within minutes I get a message that states they will deactivate my account and hold my money for 90 days. 

I called but after going through the prompts it says, they will reach me through text to get me to the right representative and just hangs up. I called so many times and all the options lead to that. No text comes. I go online to chat and the chat is greyed out and the option to call is the only one available and I try that and it is the same number and I get the same response, where the automated person just tells me to expect a text and hangs up. No text comes. I am stuck in a loop and they stole my money. 

I am still new and learning how to get paid from XXXX so that money they have is MY MONEY that I used to get the cars from impound lots. I have receipts from the impound lots. Now I have worked for a week, XXXX is still setting me up and is paid out at a later date and Square ( which is suppose to help my business ) stole my money, so this week I made over NEGATIVE {$2000.00} ( not including maintenance and gas. ). I am a new business it took everything I have and loans just to start. You didn't steal my profit you stole my money! 

I've included multiple receipts from impound lots and release forms from the company that contacted XXXX. I don't know what else there needs to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
After viewing a copy of my report, I noticed a collection account placed on my credit report from National Credit Adjust on XX/XX/2022 in the amount of {$550.00}. First and foremost, I have confirmed that the debt collector National Credit Adjust is not licensed in the state of Florida to collect on this debt. Secondly, National Credit Adjust violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to National Credit Adjust? I have never heard of them, have no written contract with them and have never received any benefits from them, yet National Credit Adjust has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$550.00}. I am requesting validation made pursuant to XXXX XXXX FDCPA. I respectfully request that National Credit Adjust provides me with competent evidence that I have any legal obligation to pay them. I asking that National Credit Adjust to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and XXXX XXXX. If proper validation of the alleged debt can not be provided, I demand Nation Credit Adjust immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand National Credit Adjust agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that National Credit Adjust agrees to remove my personal information from all accounts in its companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I signed up for a XXXX  card after being approached in the store, I agreed and paid {$25.00} and did application. Before receiving the card in the mail I went back to the store and phoned and said I didn't want another line open and wanted to close and cancel. I was told I had to wait for the card to come in the mail and then call and cancel. I did this and was told they would close the account so I cut the unactivated card up and put it in the trash. I got a statement 30 days after this with charge on the card for membership, I called again and told them this should have been closed. They told me would close it and to go to the store and refund it, went to the store and they said they could not do as the account didn't show closed, since then I have called multiple times to close the account and they have not done so, they sent another card I didnt activate and again called if need be I can file a police report because at this point I don't know what else to do. The last call was XX/XX/XXXX I believe when again. I was told they would close it. I do not want and have not charged anything to this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
XXXX marked as a duplicate included 10 years of bank statements requested by the select portfolio servicing ombudsman

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XXXX is reporting information on my credit report incorrectly.i am writing to request the removal of unauthorized credit inquiries. My latest credit report shows 3 hard inquiries that I did not authorize

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