vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: TX

Complaint narrative:
I have been for over a year now trying to work with the company to have these items that are not mine removed from my credit files and it is now ruining my credit. I received mail with another young ladies name showing that these are her accounts and not mine. Per looking at my credit reports, the payments have been on time and I am not the one that is making these payments! Now since I have had to call each agency to have the accounts closed it has started to ruin my credit. The agency has sent me letter stating that they have asked the credit bureaus to remove the accounts from my file as it is fraud, but the credit bureaus are all stating that the company sent them a statement that the items are mine. These accounts are not mine and were opened 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 2021-10-07 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: TX

Complaint narrative:
I have been for over a year now trying to work with the company to have these items that are not mine removed from my credit files and it is now ruining my credit. I received mail with another young ladies name showing that these are her accounts and not mine. Per looking at my credit reports, the payments have been on time and I am not the one that is making these payments! Now since I have had to call each agency to have the accounts closed it has started to ruin my credit. The agency has sent me letter stating that they have asked the credit bureaus to remove the accounts from my file as it is fraud, but the credit bureaus are all stating that the company sent them a statement that the items are mine. These accounts are not mine and were opened fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TX

Complaint narrative:
I have been for over a year now trying to work with the company to have these items that are not mine removed from my credit files and it is now ruining my credit. I received mail with another young ladies name showing that these are her accounts and not mine. Per looking at my credit reports, the payments have been on time and I am not the one that is making these payments! Now since I have had to call each agency to have the accounts closed it has started to ruin my credit. The agency has sent me letter stating that they have asked the credit bureaus to remove the accounts from my file as it is fraud, but the credit bureaus are all stating that the company sent them a statement that the items are mine. These accounts are not mine and were opened 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 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Solutions Group, LLC
State: TX

Complaint narrative:
Sunset Solutions is repeatedly calling a friend 's number XXXX ( third-party ) regarding an alleged debt. Once he answers the phone there is a recoded message that plays stating I owe an alleged debt and if I do not call back I will be sued. On Tuesday XX/XX/21 I called the number back to find out what the calls were about I spoke with a Mrs. XXXX with the company and advised her I was recording the call as well. When Mrs XXXX asked for my social security number I asked why would I give that when I have no clue why they are calling and proceeded to advise her that the company was in violation of several FAIR DEBT COLLECTION PRACTICE ACT laws, she hung up on me twice after stating that they were not a debt collection agency even after the pre-recorded message states that THIS IS AN ATTEMPT TO COLLECT A DEBT. Initially I was told that the company name was XXXX XXXX XXXX, today XX/XX/21 I was told the company name is Sunset Solutions by a representative named XXXX. XXXX stated that there was a judgement sent to my county by their company on behalf of a company named XXXX XXXX. I have never done business with a company by that name. I have attached photos of calls made to the number listed above. As I am typing my friend called stating they just called again after I called them and asked for them to not call him again. They have never tried to contact me directly. Sunset Solutions is in violation of the following : 15 USC 1692d ( 1 ) 15 USC 1692b ( 1 ), ( 2 ), ( 3 ) 15 USC 1592c

Company response to consumer: Untimely response
Consumer complaint received 2021-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XX/XX/2021 Purchase made for {$280.00} using XXXX ( merchant ) app was having a problem completing the large purchase with Affirm. I was receiving notifications that the purchase wasn't completed and the item was still at risk of being purchased by another buyer. After a few attempts, I decided to charge my CC for the full amount instead of the loan since it wasn't allowing affirm to complete. So I paid in full {$280.00} on XX/XX/XXXX with my CC. 
XX/XX/2021 I woke up the following morning to check the transaction and see if there was any tracking information posted yet. And XXXX ( merchant ) had disabled the listing which confirmed I purchased, as it appears they also disabled the Seller 's account and all of their listings, but didn't notify me or issue a refund. So, I contacted XXXX about this listing and expressed my concerns. 
XX/XX/2021 XXXX replies that the seller is having shipping issues to allow more time but refuses to respond to my concerns that the Sellers listings and account are disabled. This is because XXXX doesn't have any customer service or business accountability its a robotic method and community generated support team. 
XX/XX/2021 I received notification from Affirm that a loan was now issued days later- for {$280.00} for the purchase which I already paid for. I contacted XXXX again, no resolve, no real acknowledgement of the problems. I also immediately contacted affirm and uploaded documentation that I was double charged and advised them that the listing also seems to have been a scam where I am also without the item purchased as well. Affirm provided a generic response and closed my dispute pointing fingers at the merchant ( XXXX ) Now I am stuck in the middle of 2 poorly performing companies with nearly {$600.00} lost. 
XX/XX/XXXX, the listing for the Item has disappeared completely that I purchased, And remains on my app as purchased. Adding that I still have record of the purchase, and now I am double charged and no refund or investigation from the Merchant XXXX, or from Affirm even with 3 disputes and several emails plus uploaded documentation. No one seems to care or address the fact, that I was scammed. 
XX/XX/XXXX, sent another email to XXXX with no resolve. I am now out almost {$600.00} and will definitely be filing legal complaints in the courts to recoup if both companies don't work together to sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX-Date of inquiry XX/XX/XXXX 2. XXXX-Date of inquiry XX/XX/XXXX 3. XXXX-Date of inquiry XX/XX/XXXX 4. XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Hi, I have XXXX XXXX XXXX XXXX XXXX. We use Square to process credit card sales. Square allowed my banking deposit information to be changed without my knowledge. Square transferred {$17000.00} of proceeds from my business credit card sales into 7 different bank. We have used Square for the past few years with the same bank account. Just the fact that the account was changed should have raised red flags, let alone that there were 7 different banking changes to the account. Square has not given any information on how this could have happened or who was involved. Square has covered {$8000.00} of the loss with no explanation. In my last call to Square I was told the case was closed and the conversation was no longer productive. The representative then hung up. Although Square supplied the names of the 7 banks where the money was transferred they will not tell us who or how this was possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

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 2021-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Credit obtaining from the dealership with regional acc but got denied

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 2021-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
Loan depot allowed XXXX XXXX who lives at ( not the mortgage in question ) XXXX XXXX XXXX XXXX XXXX IL XXXX to fraudulently obtain a mortgage using ppp funds that she obtained using false documents and even if she didn't obtain the ppp fraudulently it is against PPP rules to purchase real estate with a ppp loan this is fraud. This info was relayed to loan depot and they chose to ignore it making them complicit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
On XXXX, my identity was stolen and a checking account was opened in my name using my information at Huntington Bank. The emails I received appeared to be fraudulent so I ignored them. I was notified on XXXX, by XXXX XXXX, that the account was real and opened, so I contacted Huntington Bank the same day to inform them of the fraud and ask that they close the account. I was told they'd need 30 days to investigate and close the account. 

I've contacted them three times since then, include by mail, to ask if the account was closed and to ask that they provide documentation that the account was closed and I'm not financially responsible for anything related to the account. They refuse to provide an update on the issue and have stated that nobody can tell me when things will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
Thank you for letting me share with you my extreme disappointment with US Bank. I used the above account to only transfer funds every two weeks to my ex wife. The amounts have varied becoming less since my divorce was 12 years ago and did not include bonus payments. My divorce decree ended on XX/XX/2021 and there was only XXXX cents in the account. It was to my great surprise to receive notification on XX/XX/XXXX that US Bank went into an overdraft line of credit to wrongfully transfer {$2100.00} to my ex wife against my wishes. I never set up overdraft protection on this account and had the experience with this account in the past that if I did not have enough money in the account that I would receive an angry message from my ex that she did not receive her money. 

After made aware of this mistake, I spoke to various people at US Bank requesting that they claw the funds back because it was one US Bank account to another US Bank account. I was told by XXXX XXXX NMLS XXXX to speak with the branch manager, XXXX XXXX NMLS XXXX. She was extremely unhelpful and provided me with a pamphlet, Your Deposit Account Agreement effective XX/XX/2021 and stated that US Bank had the authority to place overdraft protection. Again, I opened this account 12 years ago and would never have agreed then or in 2021 to provide overdraft protection on this account. I also spoke to XXXX XXXX, my corporate personal banker who also stated that there was nothing that he could do to rectify this situation. 

I have been a US Bank client for the past 27 years and could not believe how dismissive each and every interaction that I had with these representatives of US Bank. After being threatened with overdraft fees and collection agency, I decided to close the account with XXXX XXXX on XX/XX/2021 and paid the amount of {$2100.00}. It is my viewpoint that it cost me {$2100.00} to do business with US Bank and will do my best not to find myself in the same situation in the future. 

Thank you for reading to the end. 

Sincerely,

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 2021-10-07 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX-XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2021 I made an online purchase of {$10.00}. Later, I realized that Elan Financial Services that manages my credit card through Fidelity Investments charged me a " cash equivalent fee, '' of {$20.00}. On XX/XX/2021 I learned that I am being charged minimum interest fees as well of {$2.00}. Sometime last week, I called the credit card company to dispute the charge and was basically told to go and fly a kite because I should have known that the charge was considered to be an online casino. When I made this online purchase, there was no warning that this would be considered a cash advance. I find this practice to be misleading and borderline fraudulent. As such, I urge the XXXX to launch an investigation whether Elan Financial Services knowingly " hides '' information in order to be able to charge ridiculous fees - imagine {$10.00} purchase, receives {$20.00} fee, plus {$2.00} continued interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
commenity bank XXXX XXXX has incorrectly reported on my all 3 bureaus that i was late XX/XX/XXXX, and XX/XX/XXXX both 30 days. I have tried to work with this company on getting this resolved and have tried disputing these multiple times with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2016 I made my first payment to XXXX XXXX owner of XXXX XXXX XXXX. I paid him {$6500.00}. XXXX started work on my house on XX/XX/2016. I reluctantly made a second payment of {$9800.00} on XX/XX/2016 on my BOA credit card.. I felt uneasy because the second payment was supposed to be made after completion of the drywall which was only 75 % done. That payment was supposed to be after drywall was complete. On XX/XX/2016 was the last time XXXX or anyone from XXXX XXXX XXXX  was at my house. He never came back to finish the job I already paid him for. I called, text and emailed many times with no reply. 
On XX/XX/XXXX I called and disputed the charge. I explained to Bank of America that I needed to dispute the {$9800.00} right away. I explained to them there was also a charge for {$6500.00} that I wanted to partially dispute because he never finished the work from the first down payment I gave to XXXX XXXX XXXX. 
On my XXXX statement I received a partial credit for {$3200.00}. I still don't know where that number came from. I guess the person from BOA I spoke to misunderstood me. 
To be clear I am disputing the full {$9800.00}. I am also disputing {$2300.00} from the {$6500.00}. I sent BOA and estimate ( like they asked ) from another licensed contractor XXXX XXXX showing how much work was completed from my first deposit of {$6500.00}. They estimated that about {$4200.00} worth of work was completed total by XXXX XXXX and XXXX XXXX XXXX. 
BOA just kept giving me the run around. I sent them many emails and texts between myself and XXXX XXXX. 
They still refused to credit me. Since then I have not received a letter or anything saying I still owe that money. Not until I went to refinance recently did I realize it is on my credit report. This is why I'm making this complaint so long after the fact. I still have copies of emails, text and contract from XXXX XXXX owner of XXXX XXXX XXXX discussing this matter. XXXX since then has claimed bankruptcy so I am unable to go after him personally. Please help me clear this up. This guy XXXX is a crook. He took that last payment of {$9800.00} knowing he was never coming back! 
I appreciate your time and help on this matter. You can call me anytime for more information at XXXX XXXX XXXX. Or email me at XXXX. 

Sincerely 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