vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Karma, LLC
State: AL

Complaint narrative:
This CFPB Complaint is in Reference to XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX Disputed balance - {$1500.00} reported balance First I wanted to Say My name Is XXXX XXXX, & I am a XXXXXXXX XXXX with XXXXXXXX XXXX On the Date of This account was closed on XX/XX/year>. I wanted to expressly concern that this account is charged off which means anything considered charged off is considered " Income ''. If every Debt is considered income because it's considered a " Securitie '' Per the securities and Exchange commission. Per the " IRS Publication '' it states that all " ALL '' charge-offs are considered income, So how can Income be reported to my Credit Report.

Further more I wanted to express that 15 usc 1666 ( B ) - Timing of payment subsection ( A ) A creditor may not treat a payment on a credit ( CHARGE ) card account under an open end consumer credit plan as " late '' for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the informationis mailed or delivered to the consumer not later than 21 days before the payment due date.. ( XXXXXXXX XXXX ) are listing my payments as late under a open ended consumer credit plan ) - which is also against the law. Which means I have A charge card and you CAN NOT LIST LATE PAYMENTS UNDER AN OPENED ENDED CONSUMER CHARGE CARD CREDIT PLAN, XXXX Bank are also In violation. 
Moving On to the Next Facts states : 15 U.S. Code 1666 ( D ) - " Treatment of credit balances '' - Whenever a credit balance in excess of {$1.00} is created in connection with a " consumer '' credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall A- credit the amount of the credit balance to the consumers account ; B- refund any part of the amount of the remaining credit balance, upon request of the consumer ; and C- make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 


I Consider All of the Raised Concerns about the Amount in Question In this Matter and Looking Forward to resolving this Issue in a timely and Precise Manner. Please Consider This complaint as a Formal dispute under the Provisions of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Went to file XXXX taxes, my tax professional asked about an IRA cash out of {$3300.00} that I did not cash out. After receiving this information I went into Huntington in XXXX XXXX XX/XX/XXXX and spoke to XXXX XXXX about the money missing from my IRA that I supposedly signed for and took out on XX/XX/XXXX. XXXX faxed copies of my H & R tax paperwork that I provided to XXXX XXXX the XXXXinancial advisor. A few years back XXXX had helped me invest money from my previous jobs XXXX, {$25000.00} was invested and {$3300.00} was left over. Looking back we never touched base on where the left over money would be going, when this all came about i found out it was put in a bank IRA. I was referred to XXXX XXXX who confirmed they have documentation of me cashing out the IRA. He said he would look into it and I never heard back. I then went into Huntington again for an update & XXXX XXXX said she was working on getting video footage of the day the IRA was cashed out, she said there should be footage of me in the office with XXXX doing the paperwork for the IRA cash out. XX/XX/XXXX I was told they don't keep video footage that far back but there was no record of my ID being scanned/swiped on the day of the cash out. XXXX later told me I should file a police report and the bank was closing their investigation. Police report was filed. Detective XXXX took on the investigation and informed me that Huntington would not release any information to him. It is now XX/XX/XXXX with no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting 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: GA

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

I told/informed Experian, XXXX, and XXXX to reinvestigate and or remove these accounts : 1. 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 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 In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.

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 2024-06-24 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I am writing to formally dispute several unauthorized and fraudulent inquiries listed on my credit report. Despite my repeated correspondence with your bureau and the submission of an FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions involved and providing comprehensive documentation to support my claims. However, your bureau has not yet resolved this matter to my satisfaction. 
I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes me significant distress and potential financial harm. 
The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I always pay my balance in full each month. 
On XXXX 's statement, I paid in full and had a {$0.00} balance. On XXXX 's statement, charges started going to a separate 'Pay over time ' feature that I did not sign up for. So, on my account, these charges did not show up as part of my balance to pay. I now see I have been charged {$110.00} of interest charges. 

I have been with Amex for 20+ years and have never paid any interest fees. This is an error in this 'pay over time ' system that they signed me up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was unable to get an annual credit report from any of the three agencies as the website " couldn't provide '' the info. No explanation.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Account name : XXXX XXXX XXXX XXXX Account number : # XXXX I reviewed my Transunion credit report on XX/XX/year> and noticed some information is incomplete and inaccurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are not to furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AL

Complaint narrative:
Today around XXXX central time, my CashApp account was locked due to fraudulent activity. I tried emailing, chatting, and calling CashApp without a resolution. The only automated message that I get is to wait 24-48 hours which I do not have the time to wait that long as I have bills due TOMORROW MORNING!!! Everything that has happened on my account has been authorized by ME! That includes any login attempts and transactions. Cash app did not give me the option to even verify my information so that I can access my account again which I believe is highly unfair to keep someone from THEIR OWN money that they worked hard for!!!! I have over {$200.00} that is untouchable at this moment in my account. All that I ask for to solve this is for CashApp to immediately/as soon as possible unlock my account and ask me for verification which I can provide. That is ALL I ask for to solve this problem or further action will have to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I am writing to formally dispute several unauthorized and fraudulent inquiries listed on my credit report. Despite my repeated correspondence with your bureau and the submission of an FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions involved and providing comprehensive documentation to support my claims. However, your bureau has not yet resolved this matter to my satisfaction. 
I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes me significant distress and potential financial harm. 
The inquiries in question are as follows : 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 2024-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America- ACH Fraud/ money was fraudulent ly take. From my checking and all my savings/ called bank immediately. Was promised mo ey would return to account with 24-48 hours- one week tomorrow and still no money returned. 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 monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: MD

Complaint narrative:
On XX/XX/year> & XX/XX/year> Kikoff reported late payment on my credit report and In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Next Financial Inc. dba Copper
State: NM

Complaint narrative:
I used a " banking '' app called " Copper Banking and one day my account was closed with no notice or warning. I contacted customer service and they said they will send a check to my mailing address within 10 days, and the check never came. I asked if I could have my mailing address to verify if they sent it and they could not provide it. 

Essentially they took my money and I never saw it ever again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been a victim of Identity Theft, which fraudulent activity has been reporting to my TransUnion Credit File/Report. I have filed an FTC and Affidavit and have my Police Report to have these fraudulent items removed from my credit report. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is one fraudulent account and eight fraudulent Inquiries on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late and is always an issues relating to removing items via certified mail. Therefore, I am submitting a complaint and asking TransUnion to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : 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. Again, please remove all fraudulent items from my credit file.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services
State: MD

Complaint narrative:
On XX/XX/year> & XX/XX/year> XXXX reported late payment on my credit report and In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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:
My son pays rent to me every month through the CASH App. We used it because it was easy to track. On XX/XX/year>, my son sent {$600.00} to me through the CASH App which I received an email from CASH App of the deposit. On XX/XX/year>, I opened CASH App to transfer the payment to my bank account. I initiated the transfer for the delayed deposit to avoid any fees. This is the same process I have used every month for years. On XX/XX/year>, I received a text message from CASH App stating that my phone number has been unlinked from my CASH App account. I opened up my CASH App account and found someone from Florida logged on my account. I immediately removed that person from my account. At the time, I did not realize the person who breached my account cancelled my transfer of {$600.00} to my bank and then transferred my money to a unknown Green Dot card for {$600.00} and paid {$10.00} for the immediate transfer. HOW DOES THIS HAPPEN? How does someone get full access to my secured account from another state and CASH App allowed this transfer to happen. CASH App knows all my information and they know where I live. I called CASH App customer support and tried to explain over the phone what happen and asked for a refund. The CASH App representative took my information and said they will respond within 10 days. 10 days passed with no response, so I called the same customer support number. The representative said my claim was denied. I asked to speak to a supervisor or someone else, but they said no one else is available. I feel like a was talking to someone out of the country and was not understanding. I'm very frustrated from the lack of responsibility and position CASH App is taking by denying my claim. It was only {$600.00}, but this type of fraud should never happen. CASH App has the control. They must have a serious problem that is being covered up. They could have prevented this transfer of funds when they realize that someone login to my account from over XXXX miles away. CASH App is responsible for this breach in their security and should refund my {$600.00}. Also, who ever breach my account, made a cash request of {$600.00} and {$1200.00} to my son that was not initiated by me. Very scary that this scammer had full access to my account.

Company response to consumer: Closed with explanation