vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Ive asked to see proof of verification, its been over 90 days and I have not seen and proof of verification to these charges I am not familiar with

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 2024-02-22 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Around the beginning of XX/XX/2024 Zelle XXXX owned by Early Warning Systems Inc, Suspended my Zelle profile with every financial institution. There was no reason or explanation as to why my Zelle Profile was Disabled with my Banking institutions. After further investigation it it appear that XXXX XXXX  opened fraudulent account 's a Money Market, Savings, and Checking. XXXX XXXX  also opened an online banking profile, and Zelle Profile. I called XXXX over 15 Times, and Advised them. First of all I have never applied for any of the account 's listed above, I have never signed any applications and these were fraudulent account 's. I have asked XXXX to Deactivate the Zelle profile as It was opened as part of Identity Theft, XXXX refuses to deactivate the profile and said they are investigating it. Meanwhile, XXXX reported FALSE information to Early Warning stating that I may have used Zelle for a fraudulent transaction or for illegal purposes. Which means you may have used it for Money Laundering, Or If one of the Zelle transactions has been used for Gambling Purposes, Or If a Zelle Transaction has been used for a scam or if it has been reported as Fraud by the receivers bank for any transaction sent. None of this has occurred. I never have disputed any Zelle Transactions, I have never used my Zelle for any Illegal Purposes, Nor have I violated any Zelle Terms or Conditions. I only use Zelle for paying my family for Tips or splitting the bill if we are out to eat. I do not send ZELLE to anyone I do not know, and nor have I ever disputed any Zelle charge. Fraud nor Dispute. Yet due to Discovers INACCURATE LIES And reporting, Early Warning Systems put a suspension on my Zelle Profile globally, Like a Black list of sort. This is causing me Financial HARM. Again, I have never disputed a single zelle charge, and I have never used it fraudulently. XXXX is my actual bank and it was disabled. XXXX says they can not assist me, Because they did not report any information about me to Zelle. XXXX Did, I am now requesting A Dispute to the reported information from XXXX. I want my Zelle Profile Reinstated with Zelle. I am submitting my Dispute to the reported information. This information that was reported from XXXX Is false and Inaccurate, and It has caused Zelle to take a Global approach to Suspend me as a customer based on false pretenses. I am a victim of Identity Fraud, and I did not committ any fraud against Zelle. I did not use Zelle to infringe upon any of their terms and conditions either, and I have never used zelle for a fraudulent purpose. I read the terms and conditions and I want to be removed from the false reporting by XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: TN

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-20 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: FL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently Checked my credit report and saw accounts reporting that i do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: MD

Complaint narrative:
I recently Checked my credit report and saw accounts reporting that i do not recognize.

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 2024-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Strategic Automotive Servicing, LLC
State: TX

Complaint narrative:
I OBTAINED AN AUTO LOAN WITH XXXX XXXX  AND WAS TOLD OUR VEHICLE WAS PUT OUT FOR REPO XX/XX/XXXX AT NO POINT IN THE DURATION OF OUR LOAN WERE WE ADVISED THE ACCT WAS OUT FOR REPO. WE HAD PAID CURRENT AND TO OUR KNOWLEDGE ACCT WAS WRONGFULLY REPOSSESSED XX/XX/XXXX AT XXXX AM - WE WERE TOLD BY XXXX XXXX POLICE DEPARTMENT OUR VEHICLE WAS REPOSSESSED AND WE WERE LEFT PUZZLED BECAUSE OUR ACCOUNT IS CURRENT. IT WAS REPOSSESSED BY A CONTRACTED 3RD PARTY THROUGH XXXX XXXX STRATEGIC AUTOMOTIVE SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to follow up my ongoing dispute regarding the erroneous accounts that have been included on my credit report, which directly contravene my rights to privacy, fairness, and impartiality.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I signed up for a checking and credit card XXXX 2023 looks like the XXXX. 
I was approved online for both accounts automatically. I received my debit card for the bank account, but the credit card never came. It says approved online but has never changed in status. I contacted the company multiple times trying to figure out why my credit card account only says approved and never officially opened. All I was told was they were putting in support tickets and I was a special case. They told me I would receive my sign-on bonus for opening both a credit card and checking account as soon as they got if figured out. It has been 4 months, and they still can not cancel my application or push it through. I don't want an open application that could go through randomly. So, I have asked them to cancel it since they can not seem to figure out how to finish processing it and they tell me they don't know how and can not. No one calls me back ; they send emails that you can't respond to and the only thing anyone says on the phone is they have put in a ticket for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
I deposited insurance proceeds from XXXX to my checking account on XX/XX/24 in the amount of {$100000.00}. On XX/XX/24, the funds became available and were immediately used to pay off medical loans. On XX/XX/24, M & T removed the funds from my account leaving a significant negative balance. I contacted both M & T and XXXX right away. After nearly XXXX solid days on the phone with both entities, including conference calls between the two, we are at an impasse. M & T is saying they received instructions to return the funds to XXXX XXXX ( XXXX 's bank ) because there was a stop payment issued. XXXX investigated this thoroughly with XXXX, who is saying there was no stop payment or request for return of the funds. M & T refused to provide any specific information as to who requested that the funds be returned, so we can't even go back to XXXX or XXXX to follow up with that particular person. Both entities are pointing the finger at the other. Both entities are saying they do not have my funds, and neither entity is taking any steps to return the funds to me. In the meantime, I am out {$100000.00}. The money I had in the account to pay monthly bills has now been overtaken by this huge negative balance. It's now a week that my money is gone. I am desperate for some immediate relief.

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 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I requested my funds of XXXX to transfer from $ XXXX to new account $ XXXX. 
Explained why I made new cash tag, no longer had phone numb or email affiliated with old cash tag, Was told to add debit card or bank account that they would further assist me, I did this far and beyond. They still have not gave my money, When you ask to speak to supervisor you never get one.

They say one will email me, over ,2 wks now, please see that only thing missing is old phone numb and email.

Same people sends money on both cash tags. Naming a few on here that are on both cash tags, I only have text talk at the moment. 
Old : : : cash tag ... $ XXXX XXXX $ XXXX People I've sent, requested, or received on both cash tags. 
# XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX That's the few if you need more I will provide. 
All I'm asking is my XXXX to be put on new cash tag. 
Last 2 payments to me were from XXXX XXXX XXXX and XXXX XXXX XXXX last name may be spelled wrong. 
Said they couldn't verify this was me, well all info giving they shouldn't have had a problem. Both tags had debit card ending in XXXX is on both tags, Respectfully and patiently waiting XXXX XXXX XXXX Ss last XXXX ... XXXX XX/XX/1963 Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts noted on attached credit report.

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

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

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.

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 2024-02-20 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: NC

Complaint narrative:
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.

The accounts noted on attached credit report.

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

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

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.

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 2024-02-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated : XXXX XXXX XXXX # XXXX PLEASE DELETE error I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. I have never done any business or open any contracts with XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated : XXXX XXXX XXXX # XXXX PLEASE DELETE error I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. I have never done any business or open any contracts with 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 explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I politely asked the company, whoever they may be, to avoid contacting my workplace due to our policy against personal calls and our obligation to safeguard customers ' sensitive personal data. Despite my request, they continued to call my workplace ( XXXX XXXX is my workplace number ) without veritying any of the information who they are or what they are requesting other then asking for my social and address. In response, I recommended that they send any necessary documents or intormation by mail, as I am not familiar with their identity. I even offered to provide my XXXX XXXX XXXX them to send their correspondence, but they declined to reveal their identity or intentions through mail, insisting on communicating exclusively over the phone. This refusal to send anything by mail is quite unusual. 
Given my past experience of having my information compromised, I am hesitant to confirm sensitive details over the phone and would rather rely on mail for my own security. They called me XX/XX/XXXX and XX/XX/XXXX from phone number XXXX and XX/XX/XXXX from phone number XXXX and the same day XX/XX/XXXX. After looking up their information they are called Transworld Systems Inc?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Incorrect information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: OH

Complaint narrative:
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated : XXXX XXXX XXXX # XXXX PLEASE DELETE error I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. I have never done any business or open any contracts with 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 explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Your ticket XXXX - Settlement, has been updated. 

Dear XXXX, We are unable to expedite processing or payment of claims. If we need further information, we will contact you. 

You can check back at a later date for updates on your claim or, if you filed your claim online, you may check your claim status any time on the Settlement website at www.EquifaxBreachSettlement.com using the " Check My Claim Status '' option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
**This applies to acct ending XXXX had a savings account with Bank of America . I had too many withdrawals so they switched it over to a checking account. I told them I did not want them to switch it to a checking account to close the account. They opened the new account anyway. And XX/XX/XXXX I called and told them they need to close the account. I was told that they would reverse the fees and close the account. XX/XX/XXXX I am still accruing fees every month. I called again to have them close the account. I was advised that they would need to reverse the fees again and I would need to call back. After making several calls to close this account that never shouldve been opened it is still open with a negative balance due to fees they continue to charge monthly. All I want them to do is close the account, but my attempts have not been successful.

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 2024-02-20 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: AR

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-02-20 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: AR

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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