vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted XXXX to write to request that the late payments reported between XX/XX/XXXX & XX/XX/XXXX be removed from my credit report under XXXX account XXXX due to my XXXX  with XXXX in XXXX of XXXX. As you are aware, the XXXX pandemic has had a significant impact on many individuals, including myself. I was in the XXXX  for months on a XXXX completely XXXX. 

Upon my release, I made a payment to my account, unaware that it would be credited to the following month. I was still very XXXX, and was attempting to get all of my affairs back in order. This caused my account to reflect in arrears for a year unbeknownst to me. In essence, the time spent XXXX  put me ONE payment behind, which has been PAID IN FULL but continued to roll on and report for almost a year. I understand that this has resulted in late payments being reported to credit bureaus which has negatively impacted my credit scores. I would like to request that these late payments be removed from my credit reports as soon as possible. 

I have been a loyal customer of XXXX for almost 10 years ( with a total of 5 cars leased through XXXX ) and have always made timely payments on my account. However, due to the XXXX XXXX virus, I was unable to do so during my XXXX. I hope that you will take this into consideration when reviewing my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted XXXX to write to request that the late payments reported between XX/XX/XXXX & XX/XX/XXXX be removed from my credit report under XXXX account XXXX due to my XXXX  with XXXX in XXXX of XXXX. As you are aware, the XXXX pandemic has had a significant impact on many individuals, including myself. I was in the XXXX  for months on a XXXX completely XXXX. 

Upon my release, I made a payment to my account, unaware that it would be credited to the following month. I was still very XXXX, and was attempting to get all of my affairs back in order. This caused my account to reflect in arrears for a year unbeknownst to me. In essence, the time spent XXXX  put me ONE payment behind, which has been PAID IN FULL but continued to roll on and report for almost a year. I understand that this has resulted in late payments being reported to credit bureaus which has negatively impacted my credit scores. I would like to request that these late payments be removed from my credit reports as soon as possible. 

I have been a loyal customer of XXXX for almost 10 years ( with a total of 5 cars leased through XXXX ) and have always made timely payments on my account. However, due to the XXXX XXXX virus, I was unable to do so during my XXXX. I hope that you will take this into consideration when reviewing my request.

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureaus have repeatedly disregarded the law. I have demonstrated to them multiple times how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission. 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 a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

A person shall not furnish information relating to a consumer to any consumer reporting agency if they have been notified by the consumer, at the specified address, that specific information is inaccurate.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, as the information is inaccurate and, in fact,. 

XXXX. XXXX, XXXX Account XXXX. 

According to 15 U.S.C. 1681 Section 602 A., I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

According to 15 U.S.C. 1681c. ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not provide any information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The credit bureaus are not abiding by the laws, which is completely unacceptable and needs to be addressed. They need to be held responsible for their actions.

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 2023-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I mailed complaint /dispute letter to all three major credit reporting agencies. I havent received a correspondence or any kind of documentation or any matters pertaining my credit have been complied with me. This is the fourth time this year and theyre not acknowledging my certified mail thru United States postal service or anything. This is obscured. I will be seeking an attorney to handle this matter soon there are violations 5 frca laws n regulations. I suffer from identity theft its documented with all three credit reports.

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 2023-05-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I mailed complaint /dispute letter to all three major credit reporting agencies. I havent received a correspondence or any kind of documentation or any matters pertaining my credit have been complied with me. This is the fourth time this year and theyre not acknowledging my certified mail thru United States postal service or anything. This is obscured. I will be seeking an attorney to handle this matter soon there are violations 5 frca laws n regulations. I suffer from identity theft its documented with all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX 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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We always check our bank accounts to check on balances and transactions. We were surprised to see a {$1000.00} ATM withdrawal from our account on XX/XX/XXXX. The withdrawal was a Non-WF ATM withdrawal somewhere in Pennsylvania. My husband and I were nowhere near Pennsylvania at that time. As a matter of fact, we were not in the United States at that time the withdrawal was made as we were both on a cruise from XXXX XXXX XXXX and we both have our ATM cards in our possession. My husband had been XXXX  since XX/XX/XXXX and only returned to the United States on XX/XX/XXXX. As a matter of fact, my husband used his ATM card in the XXXX which shows that he has his card in his possession. 

We contacted Wells Fargo Bank N.A. right away to report the fraud incident. They conducted an investigation and told us that our claim is denied as the chip was used to conduct the ATM transaction by us or someone authorized by us and it was legitimate. 

We have proof we were out of the country when the incident happened so it is impossible for us to make the withdrawal. I sent an email to their cardclaim department and attached copies of our airline itinerary and cruise documents showing that we were out of the country. They told me that a supervisor would contact us in the next 2 business days but we never got a call back. I called again and was told the same thing but never got a call back. Someone called us yesterday while we are at a graduation ceremony and left a voice mail. We tried calling that person back, but no success. 

I searched the internet and XXXX  if a card chip can be duplicated and sure enough there were articles of criminal activities of cloning ATM chips. I demanded Wells Fargo to investigate further but they refused and insisted that our case is closed. Our case is never closed for us as we are out of pocket by {$1000.00} plus the {$2.00} Non-Wells Fargo transaction fees. We are not rich people and this amount is a huge amount for us. 

Wells Fargo is supposed to protect our money. However, in this case, they did not protect us and they did not do their due diligence. They should go after that person who made the withdrawal who obviously is a criminal and conduct a more thorough investigation and return our money back to us.

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 2023-05-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I sold my home in XXXX in XXXX shortly after having used a Covid program to avoid foreclosure. During my closing process the loan servicer changed from the one I had made arrangements with for Covid relief to another called Mr. Cooper. At the time of closing I placed more than the value of the subordinate loan into escrow to wait for me. Cooper to file the claim. It has been nearly a year since closing and they have made no indications that they are anywhere near being able to accept my repayment of the Covid relief loan and complete my transaction with the closing attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Today XX/XX/2023 I received 2 cash app payments from a family member which were sent to a account that wasn't mine. 
XX/XX/23 between XXXX XXXX and XXXX XXXX in the amounts of {$20.00} and {$360.00}, I filed a dispute quickly but cash app refuses to refund money that was cash out to an account that was closed. I just want the money refunded because it was obviously stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Checking or savings account — Checking account
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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX - Fraudulent activity on Truist account. {$13000.00} withdrawn to pay unknown credit card bill, not initiated by us. In " pending '' status XXXX - Called Truist. Was told I could not talk to fraud until the money was completely gone ( past pending status ) and no guarantees it would be returned. Asked if we could put a stop payment. Was told that would work to stop payment or ensure refund, but they'd have to charge me {$35.00}. Told them that was the less ridiculous or 2 ridiculous options and agreed. Freeze put on account. Discussed that my Truist mortgage payment would be pulled that night and asked what would happen. Told there would be no issues and I had a 15 grace period to pay. 

XXXX - Fraudulent {$13000.00} returned XXXX - {$25.00} fee charged on mortgage XXXX - Went to branch to open new checking account and unlock old checking account to transfer funds to new. Discussed risk of additional fraudulent activity but necessary to transfer funds and wait for direct deposit to transfer to new account. Discussed strategy of keeping at {$0.00}. {$35.00} stop payment fee waived. 

XXXX - Called branch. {$25.00} mortgage fee waived. All money transferred to new checking account per discussion, except {$71.00} to pay a bill hitting XXXX. One unexpected payment hit, resulting in an overdraft. Charged 2 overdraft fees of {$36.00}. ( One was refunded on XX/XX/XXXX ) XXXX - Expected payment hit, along with another unexpected payment. 2 overdraft fees of {$36.00} charged XXXX - XX/XX/XXXX - Multiple conversations with branch about refunding the still outstanding {$100.00} in overdraft fees seeing as they new this was caused by fraudulent activity and we'd transferred funds to another Truist account. Truist declined to waive and send they'd send us to collections if we didn't pay. 

XX/XX/XXXX - Final 2 payroll checks hit the old checking account, effectively paying Truist the {$100.00} against our wishes. 

XX/XX/XXXX - All money transferred to new checking account. Old account again frozen ( could not close b/c that department was closed ). Was assured no additional fees will be charged on the old checking account.

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There has been a lot of misuse of my consumer report due to fraud. I need to update my personal information to have an accurate credit report. This is not the selling of my name " XXXX XXXX '' " XXXX XXXX XXXX '', my name is ONLY spelt XXXX XXXX or XXXX XXXX XXXX. My phone number is not " XXXX, XXXX, XXXX '' my phone number is only XXXX. My address is NOT " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX FL XXXX. My employer is NOT " XXXX XXXX, XXXX, XXXX, XXXX XXXX ''. My employer is 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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There has been a lot of misuse of my consumer report due to fraud. I need to update my personal information to have an accurate credit report. This is not the selling of my name " XXXX XXXX '' " XXXX XXXX XXXX '', my name is ONLY spelt XXXX XXXX or XXXX XXXX XXXX. My phone number is not " XXXX, XXXX, XXXX '' my phone number is only XXXX. My address is NOT " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX FL XXXX. My employer is NOT " XXXX XXXX, XXXX, XXXX, XXXX XXXX ''. My employer is 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 2023-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
The platform is crypto.com they keep having problems and accessibility issues. and keep saying accounts are under review denying access to peoples money and screwing up transactions. Every time we try to get our money back they say the account is being reviewed. Its a continual problem, and it keeps disrupting the ability to do business by withholding a consumers money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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 am writing to request the removal of a debt from my credit report in accordance with consumer protection laws. The complaint I filed under reference number # XXXX has taken more than 30 days to be resolved, which I believe entitles me to have the debt removed from my credit report. 

As you may be aware, the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate and respond to disputes within 30 days of receiving them. In my case, I filed a complaint with your agency more than 30 days ago and have not received a response or resolution to my complaint. 

I understand that the CPFB has the authority to enforce the FCRA and ensure that consumer reporting agencies comply with its provisions. I am therefore requesting that you take action to have the debt removed from my credit report, as I believe that the creditor has not provided sufficient evidence to justify its inclusion. 

I appreciate your attention to this matter and look forward to hearing from you soon.

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 2023-05-14 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX . Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX Name : XXXX XXXX Acct # XXXX Name : XXXX XXXXXXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies XXXX XXXX XXXX XX/XX/1989

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received several emails from Capital One today, starting at XXXX XXXX  saying an account had been opened, password updated, and phone number changed. There were also numerous spam emails that came during this time. I called Capital One at XXXX. They said a new Capital One Venture credit acct. was opened today. Luckily, no charges were made yet. They created case # XXXX and determined it was in fact fraudulent activity. I reported fraud to all credit bureaus and froze my credit. Capital One would not give me any info about the person trying to open the acct in my name such as the phone number and mailing address they used. One of the spam emails that said another acct. was opened in my name said it came from IP address XXXX. I am currently going through and reporting many emails as spam that say I have created accounts for many random places in all sorts of countries.

Company response to consumer: Closed with explanation