vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: CA

Complaint narrative:
I have checked my report and saw accounts appearing that I am not aware where it came from. I have filed an Identity Theft complaint attached to this complaint. Below are the accounts apearing. 

XXXXXXXX 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 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 2023-06-28 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: LA

Complaint narrative:
This account ( XXXX XXXX XXXX XXXX ) first reported to my credit report on XX/XX/. It has been 7 years since this account reported. As the FCRA states that accounts 7 years or older musut be removed from your reports. I will fill a complaint with the CFPB as well. This account by law needs to be removed. Experian has not removed this information as well.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This information is inaccurate and reporting on my credit report. XXXX and XXXX are not reporting this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: CA

Complaint narrative:
This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX & XXXX XXXX XXXX ( Original Creditor : XXXX 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 2023-06-29 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: NC

Complaint narrative:
I have pulled my latest report and saw these inquiries appearing that I did not authorize. I demand these inquiries to be deleted from my report. Attached to this complaint is the FTC Complaint I have filled. 

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 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 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 2023-06-29 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 have pulled my latest report and saw these inquiries appearing that I did not authorize. I demand these inquiries to be deleted from my report. Attached to this complaint is the FTC Complaint I have filled. 

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 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 2023-06-28 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: LendingPoint Holdings LLC
State: LA

Complaint narrative:
This account ( XXXX XXXX XXXX XXXX ) first reported to my credit report on XX/XX/2015. It has been XXXX  years since this account reported. As the FCRA states that accounts XXXX  years or older musut be removed from your reports. I will fill a complaint with the CFPB as well. This account by law needs to be removed. XXXX has not removed this information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: NY

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 and 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 2023-06-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i. 

I waited 30 days and I haven't received anything. The letter was mailed out on XX/XX/2023, compliant ID is : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

Experian is holding me back from getting a home. This is very frustrating because I am trying to buy a home for my family, but Experian is doing its job according to the law.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2023, I became aware after trying to use my Discover Card to buy gasoline that my account, which I had for over 5 years in perfect standing had been closed for reasons that the customer service team falsely made up. They claim they couldnt verify my identity, even though I have lived at the same address for many years, made timely and frequent large payments on the account to keep my utilization low at all times without any errors or mistakes in the entire history of the account. I never received any correspondence from them online, or by mail. If something was so important that they needed to reach me immediately they should have overnighted or sent a letter via certified mail, NOT regular mail. This just goes to show how outdated and pathetic their service is compared to other companies who employ modern technologies to communicate with customers. 

I believe myself to be the model credit card customer and take pride in maintaining a perfect credit history. I wasted over 2 hours on the phone, being transferred to multiple wrong departments and nobody could tell me why my account was closed. This is now affecting my perfect credit standing, dropping me over 40 points because the accounts are closed with a balance on them, making the card look like its totally maxed out. 

Additionally, I had over {$150.00} in rewards on the account that I can no longer use. To get these rewards, I had to spend over {$10000.00} in purchases. This is very wrong on so many levels. I have never been treated so unfairly by any card issuer and I have dozens of accounts with all major institutions who have never given me any problems like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NV

Complaint narrative:
I received a pre approved offer through XXXX XXXX to apply for Discover Card. These offers were pre marched based on credit history and score. Based on these factors, I more than qualified. 

I received the letter stating I was denied based on factors which doesnt apply to my reports. I have active accounts, my score is over 700 at the time of the letter. Another reason shows bankruptcy which was dismissed over three years ago and had nothing to do with credit card accounts. The bankruptcy was filed to obtain my vehicle back after it was illegally seized during covid when these collection actions were suspended. This is noted in my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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:
My edd account in Bank Of America was accessed by another person and transferred funds since XX/XX/2023. I have been reporting this to Bank of America but they keep denying my case to give back my money. I dont know why someone can access my account when I changed all the password and secret questions.

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 monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On or around XX/XX/16 I funded my savings account w/ an online bank. They immediately denied me online access. I have called them repeatedly and finally told them to remit the balance to me and close the account. There were 17 calls in all over these last 7 weeks. 

I have been variously told the there was a restriction on the account and then the story changed to it being under review. 

They at one point claimed that they couldn't send a verification code to my phone. I asked to speak to the rep 's manager and was told that it could be sent through the Post Office. I received the letter, call it in and was told that they could send my money. 

Nothing happened. 

Initially I told them to send a paper check. Later when I called about it I was told that they couldn't do that, instead they would reverse the electronic transfer that funded the account. 

Again nothing happened. 

This is enough money to easily qualify as XXXX XXXX in the State of California.

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 2023-06-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My account was transferred to westlake protfoio management. I asked for proof they have my account. I never received when I call I am always disrespected by called maam. I have four times been transferred nine times been hung up on and when I have asked for a supervisor I never get one. All I want is a letter of voluntary surrender for my car. At this point I feel like a court action is needed. I have now on hold for the five time. 

My account number with them is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are inaccurate accounts on my credit report that is reporting. There is also names and addresses reporting that are not mine.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX an unauthorized transfer was made on my XXXX Bank of America prepaid card, the amount was {$4800.00} and left me with XXXX balance, so I called the bank and they transferred me to their fraud department and filed a claim. 
Claim # is XXXX On XX/XX/XXXX another unauthorized transfer was made on the same account again with the amount of {$4800.00}, and I found out the bank had credited me the {$4800.00} two day ago on XX/XX/XXXX, now left me with {$0.00} cent on my account, so I filed another claim, clam # is XXXX After two months later 0n XX/XX/XXXX, I received a letter from Bank of America saying that they are unable to approve my recent claim and the credit of {$4800.00} will be removed on XX/XX/XXXX. 
XX/XX/XXXX now my account is negative $ - XXXX, I call them to reopen my claim, but this time they gave me a new claim number because of their new system, the claim # is XXXX. 
And later on they kept debit and credit back and forth. 
On XX/XX/XXXX credited {$4800.00} On XX/XX/XXXX debited {$4800.00} On XX/XX/XXXX credited {$4800.00}. 
It seems like they credited my second claim {$4800.00} but denied my first claim {$4800.00}, I kept calling the bank almost once a week, but each of them told me different, XXXX told me my claim is at the back office, another told me my claim is pending and another told me my claim is denied, I need to reopen it, I even asked for the bank fraud department supervisor to help me out, let me talk to some one directly so I can explain my case. No one called or contacted me.

It seems like the bank has mixup since I have two unauthorized transfer and the amount almost identical in the same month with two claims.

Its almost two years now, it seemed like the bank doesnt want to credit me back the money the government put it there and its taken out by some unauthorized transfer.

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 monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NC

Complaint narrative:
I filed a complaint with BBB on XX/XX/23 and XX/XX/23 as well as reaching out to square multiple times to keep being told somebody is going to reach out to me and for it to never be done! This is the second time in two month they have decided to review my account once i have received bigger orders and transactions! The first time money was transferred to an account that was removed a while ago and i was told its nothing that can be done that was {$5000.00} lost now they have deactivated my account, all of my money is on hold {$6100.00} and they are saying i cant get my funds until XXXX and this is my money to pay my bills, feed my daughter and my family, order inventory to process orders that Im now behind on as well! I keep being told because my account was deactivated ( which they cant even tell me why they deactivated my account ) that nobody will talk to me no supervisor will reach out because the result is final which is bs. My business is registered with the state of NC i have a llc nothing is illegal about my business at all. I feel as if they are stealing my money now and if nothing is done i will sue square and bash them on every social media platform! I just want all of my funds released ASAP i can make myself another website but i will NEVER use square or recommend square to anybody and i have been with them for going ok 4 years! This is crazy that they feel they can even do this. I have been lied to and hung up on by rude customer service. Ive been told its another department thats going to reach out to me in regards to releasing my funds sooner nobody has done so. They responded to my first complaint on here stating someone will reach out to me and havent done so either. Im fed up and just want my money or again i will sue them for everything they have!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: MI

Complaint narrative:
Received a notification from transunion that a company named XXXX XXXX XXXX XXXX obtained a copy of my credit report, I never provide a wet signature or authorization for this company to obtain my credit.

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 2023-06-29 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: LA

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 and 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 non-monetary relief
Consumer complaint received 2023-06-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My credit report is saying that I still have a debt collection of {$2200.00}, with Chase JP Morgan. This debt was settled in XX/XX/2023 of {$2500.00}, I tried to contact the company and they gave me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXXXXXX 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 XXXXXXXX has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C.

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 USC 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 USC 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