vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 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:
XXXX XXXX XXXXAccount number XXXX. XX/XX/2022. 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Nordsrtoms account was charged off and than transfered to XXXX XXXX to chase us for money owed. We paid XXXX Account off and Nordstoms won't clear the balance to show XXXX  on their end. This is severley impacting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: MA

Complaint narrative:
My wallet was stolen back in 2019 and ever since strange account been popping up on my report. I tried to freeze my report but it didnt work.15 usc 1681 states that these negative collections and inquiries are fraudulent and abuse to my financial independence and the 3 credit bureau are reporting wrong information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Credit Reporting Crime XXXX XXXX Credit Card Fraud Department Purposely reported incorrect and incriminating information to the three major credit bureaus to trash my credit score. 
After several months and more than thirty instances of hacking into everyone of my XXXX accounts my wife and I decided to leave XXXX for a new bank. This was after more than 25 years with XXXX XXXX of effortless and loyal banking. We had to get away from a situation that left us severely sleep deprived and uncontrollable XXXX in the case of my wife. The hackers used clever hacks to move money from one account to the next and then buy thing like crypto currency from my check account. XXXX fraud departments were structure according to the account types and simply could not deal with this situation. They would solve it by just replacing the lost funds. The internet banking app was easy to hack into and that is how most transactions occurred. 
The credit card fraud department were very bad and unable to stabilize the balance so that we could pay the outstanding balance to close the account. In a desperate effort to block out the hacker, they decided to close the account completely and create a completely new credit card account. They committed to sending the new credit cards overnight. That did happen as promised, a new card for me, one for my wife and one for one of the hackers XXXX XXXX were in the XXXX envelop. 
After trying various things to stabilize the account and determine what we were responsible for failed, we decided that we will just pay the full amount and close the account. That turned out to be more difficult than we expected. It took all morning to get an amount to pay and once we did, there was no senior banker to close the account. We went for lunch and came back when the snr banker was supposed to be there. He started the close, but could not because the balance was no longer XXXX. I told him everything we had been through and he laughed non-stop for a while, then said : I knew we were bad, but I never realized we were this bad! 
When by monthly CREDIT REPORT UPDATES came, I was shocked to see a drop of more than 120 points on all major bureaus. I called Experian immediately and they identified the cause as a report from XXXX XXXX Credit Card. It reported various late payments and stated that the account was closed because of delinquency!!!! 
My wife still suffers from XXXX XXXX and sleeplessness. I have suffered financially as a result of the damage they caused to my credit history.

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 2023-05-08 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I added {$200.00} to account to cover an XXXX purchase. {$31.00} came out which should have left a balance of XXXX. The balance reflected {$43.00}, which is incorrect. I made multiple attempts to contact Cash App to correct this issue. I was told they had technical difficulties between XXXX and XXXX where transactions were approved but the amount wasnt taken from the balance. This isnt possible considering this is a prepaid account. You can only use the card when money is available to spend. The company has provided no documentation to clients to make them aware that there were any issues with the app. Agent disconnected the call when I requested to speak with a manager. I never keep money on this card and only add money when Im making a purchase. I will add the amount to cover the purchase, and Ive been doing this since this account was created. Theres no reason my money shouldve been taken out of this account. I want a refund and then I want to close this account permanently. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TMX Finance LLC
State: GA

Complaint narrative:
On XXXX XXXX i received an XXXX loan from TMX finance of XXXX, Ga XXXX from an employer that i formerly worked with, i recently filed a complaint that said the company made no wrongs. knowingly giving a recent employee an loan is not acceptable. the car was sold at an recent auction, i made an attempt to pay the loan an i have proof that i attempted to pay the loan by bill pay from my bank and was told that they could not accept my first payment. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, Aidvantage reported to XXXX that there were missed payments on 2 of my student loan accounts starting in XX/XX/XXXX until XX/XX/XXXX. These accounts were then marked as consolidated/closed. As shown in the screenshots provided, these accounts were marked as current/on-time before and after these " missed payments ''. Additionally, all of my other accounts with Aidvantage remained in good standing during this same period of time. 

Without action, my accounts were put into deferment due to the federal relief program that was started in XXXX of XXXX. I never made any payments, agreed to any terms to repay, or was in contact at all with Aidvantage or any other federal student loan servicer during this time. All of my accounts remain in deferment under this same program today. 

On XX/XX/XXXX I spoke with XXXX and Aidvantage to notify them of this error. XXXX suggested that I open a dispute. On XX/XX/XXXX, XXXX closed the dispute and stated that the account information is correct and no change needs to be made. 

When I spoke with the Aidvantage representative on XX/XX/XXXX, she agreed that this appears to be an error and advised me to wait until the XXXX dispute is closed. 

On XX/XX/XXXX, I called Aidvantage to ask why they came to that resolution and the representative advised me that I must dispute this in writing with their credit department and could not offer much more assistance. I also asked for proof of payment history dating back to XXXX and she was unable to provide that information to me. 

Finally, Aidvantage has reported to XXXX and XXXX that these accounts were paid on-time and do not have any missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/22 I opened a U.S. Bank Smartly Checking account, with the promise of {$500.00} as a bonus for depositing over {$6000.00} or more in direct deposits. In addition, the fine print also stated that you needed to have mobile banking and you could not have a previous account with the bank within the last 24 months. The offer code of XXXX was attached to the application and the the application was directly submitted from the US bank website. No third party sites were used. The deadline to receive the bonus happened last week, and now the bank is stating that this offer was a targeted offer only and Im not eligible. This bank and its promotional offers are deceiving to clients, as the bank uses a bait and switch approach to lure its customers to open accounts and not pay out the bonus. They have multiple offers for checking account bonuses and each one worded differently. There was no verbiage of XXXX  Offer in the disclosures. Ive tried to reach out to the bank and they tell me that the offer was a mistake, or that there is nothing they can do because it was targeted ( which there was no verbiage ) of that being a case. I literally got the offer code from their site. Be careful about using this bank and their offers.

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 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I'm attaching my credit report with the account circled.

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 2023-05-08 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: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( Account XXXX XXXX XXXX  XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: FL

Complaint narrative:
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. ( IVE SENT OUT LETTERS TO ALL 3 CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My employer sent me a Advance to pay my rent so i wouldn't get evicted through a third party check. My HR lady made a mistake by putting it payable to my complex instead of my name. 

When i tried to take the check directly to the apartment complex they stated theyd rather take the payment via there pay portal. 

When i went into my Wells Fargo mobile app to deposit said check, my account got flagged for fruad due and my account will be in foreclosure on XX/XX/XXXX because the check did not having my name on it. 
( even though it was in the memo ) I go into a branch and stated all i needed to do is submit documents from my employer stating is was a mistake on there part. 

My HR lady submitted email of this issue stating is was a mistake on her end. 

Wells Fargo said that wouldnt be enough and would need it as a letterhead indicating numbers of how much do payment of the deposit was. 

My HR lady submitted another updated document Wells Fargo said that wouldnt be enough and would a phone number register with the business to verify this accident. 

My HR lady submitted another updated document with both her personal/ business phone number Wells Fargo stated neither numbers would verify me. 

I continued to escalate this issue to the fraud prevention department/loss prevention in hopes of speaking with someone that would be able to unflag my account. I spoke with a Manager representative. Her name was XXXX and she stated that as long as the {$1900.00} falls off of my account due my account would be in good standing. She also stated she understood that this issue was base on the fact that my employer is a work from home business that does not have a main office. My employer voided and did a stop payment on the {$1900.00} third-party check and when I called in to verify why the {$1900.00} hasnt fell off of my account they told me that I had to wait for information from third-party bank to verify that the check had been voided. 
Even though a previous representative had already verified, that information has been sent to Wells Fargo. 
Gave me a hassle on not giving me the option to let my HR lady be on the call to verify herself over the phone. 
Even though a previous representative stated that it was OK if I had her on the line to speak to the loss prevention department. 
After speaking to a manager in the loss prevention department, he stated they only would except a phone number from the CEO of my employer and two pieces of identification as well as two pieces of identification of my own to verify that this is a was a mistake on my employers behalf. 

This issue has held me up from being able to have my account in good standing for XXXX to help me pay for my rent so I wont get evicted by Wednesday XX/XX/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 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
Current Card took my deposit of XXXX dollars and then closed my account for no reason at all I tried to get in contact with the company but they take hours to respond and have no immediate support that can help me with this issue. Now i don't know when or if I will even get my XXXX dollar deposit back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have an home improvement loan with Enerbank USA. I had a gas line and tankless water heater installed in my home. I have had problems from day one access enerbank to help with any issues that I have with access payment portal. I only received a call stating no payment was made and I need to pay XXXX dollars in full to bring account current. Payment was made but I have no access to online documentation. My loan account is being reported as a line of credit instead of a loan and affecting my credit harshly. I have reached out to credit bureaus as well as Enerbank multiple times to resolve this issue. There is nothing that has been done about this.

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 2023-05-08 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: VA

Complaint narrative:
After receiving collection phone calls and mail, I reviewed my credit report and noticed accounts and inquiries that were listed that did not belong to me. I contacted the credit reporting agencies and the companies listed but nothing has been deleted from my credit report. Included below, and attached is the letter that I sent to TransUnion, XXXX, and XXXX. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Thank you for your timely response to this matter.

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 2023-05-08 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: VA

Complaint narrative:
After receiving collection phone calls and mail, I reviewed my credit report and noticed accounts and inquiries that were listed that did not belong to me. I contacted the credit reporting agencies and the companies listed but nothing has been deleted from my credit report. Included below, and attached is the letter that I sent to XXXX, Equifax, and XXXX. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Thank you for your timely response to this matter.

Company response to consumer: Closed with explanation