vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I SETTLED THIS XXXX ACCOUNT XX/XX/2022 FOR {$440.00}. I HAVE MADE NUMEROUS ATTEMPTS TO BOTH EXPERIAN AND XXXX DIRECTLY FOR THE PAST FOUR MONTHS TO GET THIS OFF MY CREDIT REPORT WITH NO SUCESS. EVERY TIME I CALL I GET A DIFFERENT REP WHO SAYS THAT THEY WILL LOOK INTO THIS AND LET ME KNOW IN 30 DAY THE OUTCOME. EVERY TIME XXXX  SAYS THE ACCOUNT IS VALID AND THAT I STILL OWE THEM MONEY. THIS IS INCORRECT I HAVE PROVIDED BOTH EMAILS AND A LETTER THAT THE COMPANY PROVIDED STATING THAT THE ACCOUNT WAS SETTLED AND THAT MY BALANCE OF {$0.00}. I NO LONGER OWE THEM ANYTHING. THIS IS VERY FRUSTRATING AS I HAVE MADE GOOD ON MY DEBT. THIS IS HINDERING MY CREDIT SCORE AS IT IS STILL REFLECTING AS A NEGATIVE ACCOUNT. IT FEELS AS AN INJUSTICE THAT NO ONE IS TAKING THE TIME TO READ WHAT THE LETTER AND EMAIL STATES. CONSUMERS BEWARE BEFORE DOING BUSINESS WITH XXXX THEY ARE QUICK TO REPORT YOU BUT LACK THE RESPONSIBILITY TO REPORT TO THE CREDIT BUREAU WHEN YOU ARE IN GOOD STANDING.

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 2022-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Commonwealth Financial System mailed an invoice of {$770.00} service date of XX/XX/XXXX. I have disputed this information with XXXX and XXXX. XXXX has not responded to my validation letter sent on XX/XX/XXXX. XXXX is stating that this debt is valid when I have not received any contract information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
About 2 hours ago I received 5 emails from Bank of America that an account was opened under my name. I called them and they did confirm it and they used my social security number. They provided my email as well. Bank of America has put the account on hold and is working on closing the 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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Company is REFUSING to give me my secured deposit back until i provide them with income verfication on another account not associated with the account is provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01 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: NY

Complaint narrative:
I Consumer and natural person am a victim of identity theft. XXXX, has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. This credit reporting agency also known as a financial institution has violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. XXXX is in direct violation of 15 USC 1681e ( b ) which states 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, in which XXXX failed to do this. XXXX is in direct violation of 15 USC 1681b regarding permissible purposes of consumer reports, in which I have not authorized, signed or given any direct instruction for XXXX to report these inaccurate and fraudulent accounts on my consumer report. Their Wilfull noncompliance which is a direct violation of 15 USC 1681n has caused me actual damages. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. XXXX is in direct violated of the FCRA law 1681s-2 by not holding up to its duty when furnishing consumer reports. XXXX is in direct violation of numerous laws under the FCRA and is also in direct violation of the Gramm Leach Bliley Act of 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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc.
State: TX

Complaint narrative:
We use square as a point-of-sale system in our business. Last year they tried to hold 20 % of all our credit card transactions in what they call their reserve program. I was able to call them and get this issue resolved. This year, during our busy time they did the same thing. Only now they won't release the money after repeated attempts. We have a history with them of over 2 years. Probably closer to 3 years. We have never had a charge back XXXX time. Not once. Now they are holding over XXXX of our money and earning interest on OUR money. We have switched from their service to clover, but we want our funds released now. Those were our sales, not theirs. I can't get anyone from the company to call me back. I asked them how much money we needed to have in our bank account for them to release the funds and they will not answer that question either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: SD

Complaint narrative:
My Chime account was suspended because of a large deposit made. They thought it was fraud and asked me to provide proof of address and drivers license on Saturday, XX/XX/XXXX. I submitted everything they asked for, and they said it would be 24-48 hours at the most to review. They have denied me access to my bank account which has almost {$50000.00} in it, and we are now on XXXX XXXX of not having access to my account. 

I have emailed their support and review teams 5 times already this week and have not received any information back. I have called every day asking for help, and all they do is tell me to wait because the customer service reps have no access to the " back office '' staff that review cases. They are holding my money XXXX and denying me access to my account, and refuse to provide me with any updates on when the suspension will be reviewed or lifted even after I have sent them all of the information they have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-12-01 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: IL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

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

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 2022-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OK

Complaint narrative:
Automatic payments are not going through due to Nelnet 's system. The money is in the account and payments have been made on time every month for over a year. Now, all of a sudden, I miss payments due to Nelnet 's fault and they can't help. I called and thought I handled the issue. Welp, same issue the following month. I called again and once again I believe the issue is handled, but we'll see. They will not refund me their {$15.00} ( XXXX ) charge. At this point I'm thinking is my credit being hurt. Nelnet is not going to give you a refund, or make any changes to credit reporting, and/or be responsible for data breaches that are Nelnet 's fault. Good luck. That's how they treat you. It's not the person on the other line 's fault. It's Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX  charged off a balance of {$2300.00}. I never received a XXXX for that charge off. The amount has been charged off since XXXX, however it is still being reported on my consumer report without my permission. I disputed this through XXXX in XX/XX/XXXX. They are currently still reporting that it is past due, although it has been charged off, which is ultimately affecting my consumer report negatively. I would like for this account to be deleted from all three consumer reporting agencies immediately as my rights have been violated. High balances for the accounts should be reported and it should be the same balance. Three different balances are being reported through the three major bureaus. This is another violation, and means for this account to be deleted from all three major consumer reporting agencies. 

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ), the IRS states charge-offs are to be reported as income, and income can not be reported onto a consumer report.

According to 15 U.S.C 1681 ( 4 ) This information shouldn't even be on my consumer report because I never granted permission for it to be on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX a balance of {$2300.00}. I never received a 1099 for that charge off. The amount has been charged off since XXXX, however it is still being reported on my consumer report without my permission. I disputed this through XXXX in XX/XX/XXXX. They are currently still reporting that it is past due, although it has been charged off, which is ultimately affecting my consumer report negatively. I would like for this account to be deleted from all three consumer reporting agencies immediately as my rights have been violated. High balances for the accounts should be reported and it should be the same balance. Three different balances are being reported through the three major bureaus. This is another violation, and means for this account to be deleted from all three major consumer reporting agencies. 

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ), the IRS states charge-offs are to be reported as income, and income can not be reported onto a consumer report.

According to 15 U.S.C 1681 ( 4 ) This information shouldn't even be on my consumer report because I never granted permission for it to be on my consumer 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 non-monetary relief
Consumer complaint received 2022-12-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX a balance of {$2300.00}. I never received a XXXX for that charge off. The amount has been charged off since XXXX, however it is still being reported on my consumer report without my permission. I disputed this through Experian in XX/XX/XXXX. They are currently still reporting that it is past due, although it has been charged off, which is ultimately affecting my consumer report negatively. I would like for this account to be deleted from all three consumer reporting agencies immediately as my rights have been violated. High balances for the accounts should be reported and it should be the same balance. Three different balances are being reported through the three major bureaus. This is another violation, and means for this account to be deleted from all three major consumer reporting agencies. 

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ), the IRS states XXXX are to be reported as income, and income can not be reported onto a consumer report. 

According to 15 U.S.C 1681 ( 4 ) This information shouldn't even be on my consumer report because I never granted permission for it to be on my consumer 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 2022-12-01 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After becoming aware of multiple accounts in bad standing attached to my credit report that were not mine I sent letters to each of the credit bureaus disputing ownership. I spent some time familiarizing myself with the protections afforded to me under FCRA law, that a company can not report an unverified account. In order to verify an account, substantial documentation containing my signature, acceptance and agreement to pay said account must be provided. Additionally, an updated physical credit report as well as the verification documents must be sent to me as a response to any mailed in dispute within 30 days of receipt. I sent my first round of letters in XXXX of XXXX to which I received no written response in 30 days, but rather emails saying the accounts have been verified. I sent another round of letters in XXXX of XXXX at which point no investigation took place because " the accounts had been verified. '' Just today I have mailed my XXXX set of letters disputing these accounts to which I've received XXXX proof or verification. XXXX, XXXX and Transunion have all failed me in the process uphold their responsibility under FCRA law. They have failed to upkeep integrity in their reporting and are willfully causing extensive damage to my creditworthiness and history by their actions. I have never missed a payment in my life, I've worked extremely hard for what I have and the willful and intentional harm done is making it difficult for me financially.

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 2022-12-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After becoming aware of multiple accounts in bad standing attached to my credit report that were not mine I sent letters to each of the credit bureaus disputing ownership. I spent some time familiarizing myself with the protections afforded to me under FCRA law, that a company can not report an unverified account. In order to verify an account, substantial documentation containing my signature, acceptance and agreement to pay said account must be provided. Additionally, an updated physical credit report as well as the verification documents must be sent to me as a response to any mailed in dispute within 30 days of receipt. I sent my first round of letters in XXXX of XXXX to which I received no written response in 30 days, but rather emails saying the accounts have been verified. I sent another round of letters in XXXX of XXXX at which point no investigation took place because " the accounts had been verified. '' Just today I have mailed my XXXX set of letters disputing these accounts to which I've received XXXX proof or verification. XXXX, Equifax and XXXX have all failed me in the process uphold their responsibility under FCRA law. They have failed to upkeep integrity in their reporting and are willfully causing extensive damage to my creditworthiness and history by their actions. I have never missed a payment in my life, I've worked extremely hard for what I have and the willful and intentional harm done is making it difficult for me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: MA

Complaint narrative:
On XX/XX/2022, I made an international transfer ( {$91.00} ) to someone in XXXX XXXX using WorldRemit. When the processing took awhile to go through, I made the same transfer again ( {$91.00} ). After awhile, I canceled both transactions since the recipient had not received the money and I found an alternative route for sending the money. I then requested for a refund for both transfers. I have not received the refunds back although WorldRemit receipts show that I cancelled and would receive refund within 7 days. I have tried numerous times to contact WorldRemit but their direct number does not work, and they don't have any email address on file.

Company response to consumer: Closed with explanation