vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report with Experian is frozen, and I can not apply for any credit including a new credit card. I have tried to log in with the ID and Password I have stored in my notes, but when I try to log in, I can not do so. When I try to enter " Forget Password '' it asks for my birthdate and Social Security number. When I enter these in, I get a message stating " sorry but that didn't '' match up. So I can not log in to unfreeze my credit report. When I try " forgot ID '', I get asked a security question which I never set up with the company. 

I sent a certified letter to Experian about 2 to 3 months ago, explaining the situation. I included all the documentation they requested to get the matter resolved. I recently received a letter back from them with NO resolution, asking me to send in all the same documentation I had sent in previously. The letter also advised me to login and unfreeze my accounts, but I can not login. There is a reference on the letter they sent me report number XXXX XXXX XXXX dated XX/XX/XXXX. I had frozen my credit report in the past for security reasons, but now wish to unfreeze it on a temporary basis, so the credit card company can continue with my application. This company only uses Experian to check their credit. I have enclosed a copy of the message I got online when I tried to look up my password with " forget password '' - I put my correct birthdate as well as my correct Social Security number, however the message I received was that they do not match! It appears that there is something seriously wrong in their system, as the information I entered is correct. I have also enclosed a copy of the letter I received from Experian. 

Would I need to set up a new account from scratch? 
I would like this matter resolved as soon as possible so I can continue with my new credit card application.

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 2023-09-28 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: LA

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.

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 inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: NJ

Complaint narrative:
This complain pertains to a payment processing platform called square, they accept payments on behalf of small businesses in efforts to make payment processing easier. However, this company is blatantly stealing money from clients, i have processed a payment of {$14000.00}, they very gladly accepted the payment. They did not ask for any information to activate my account, federal law requires payment institutions and banks to collect my identity before accepting any deposits. Case in point, post my payment processing the company claims they need additional information to release the funds, upon submitting the needed, the company nonchalantly claims we do not fit the criteria and they will hold our funds for 90 business days. This is a violation of my rights under 15 U.S. Code 1666c. Customer service rep XXXX for the company that called me from XXXX on XX/XX/XXXX at XXXX refused to connect me to a supervisor to discuss further and asked me to refer to the email sent by the company. The call record can be obtained since they returned a request for call back on my number XXXX. The emails are attached for your reference. The company has not only charged their processing fee from the amount, they closed my account and refused to pay it back until XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: FL

Complaint narrative:
The best thing would be for this not to be here in my report, it is good that they eliminate it XXXX XXXX XXXX XXXX XXXX INQUIRY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

PLEASE CHECK ATTACHED LETTERS.

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 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone used a fake id and opened a Bank of America checking account, committing check fraud, in my name, which has me in XXXX & XXXX XXXX. Id like to get this investigated and removed & cleared from debt and fraud

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 2023-09-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2023 this company, via a debt collector, took every XXXX in my bank account, my wife 's bank account, our mutual bank account, and our savings account ( {$190000.00} in total ). I was not aware of any suit or judgment against me, let alone aware of any debt that I owed, yet this company was able to obtain a levy against me via the court system in a county and state that I do not live in. I was never notified of any action against me and was not provided any opportunity to dispute the legal action being taken against me. When I contacted this company to question who they were and why they stole my money, they refused to answer my questions. Instead, they asked me for my personal information and also claimed that I had attorney representation in this matter. I do not have any attorney representing me in this or any other matter before any court in any jurisdiction in the United States. We now do not have any money to pay for our mortgage, childcare, food, etc. We have been robbed and this company used the court to commit the robbery and provided no means for us to face the accuser in order to dispute the matter in its entirety. Additionally, I would be more than happy to attach documentation in the section below if I actually had any sort of documentation to begin with. I have nothing from this company. No letters, no notice of legal action, nothing. This was a complete surprise and have no idea what to do other than contact an attorney and sue for restitution.

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 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had a wells fargo credit cards for years with the same {$300.00} limit. Wells fargo refuses to increase the credit limit even though I have never missed a payment. I have many other credit cards from many different companies all of them have been open less time than the wells fargo card and every single card has a higher limit and has increased the credit limit multiple times. Every single account I have is in good standing. I have never missed a payment on any account. Every other account I have has increased my credit limit except for Wells Fargo. This is not fair from Wells.

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 2023-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: NM

Complaint narrative:
Calls all day from blank named numbers, different company names, all from same company. I've told repeatedly to stop calling emailed company to stop but they just started calling more times per day 20 plus now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: FL

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Kindly correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be removed right away. 

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-09-28 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: TX

Complaint narrative:
I pulled my credit report on XX/XX/XXXX to check my credit report for inaccurate information but when I went to the hard inquiries section, I noticed I had some hard inquiries that I did not apply for at any time. I sent a letter to all three credit bureaus but have not received any feedback to my letter which has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled my credit report on XX/XX/XXXX to check my credit report for inaccurate information but when I went to the hard inquiries section, I noticed I had some hard inquiries that I did not apply for at any time. I sent a letter to all three credit bureaus but have not received any feedback to my letter which has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: FL

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Kindly correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be removed right away. 

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
THIS IS THE 5TH TIME THIS MONTH ALREADY IM DEALING WITH THIS ISSUE!!! WELLS FARGO EXECUTIVE AGENTS ARE NOT HELPING!!!
LOOK AT MY PREVIOUS COMPLAINTS!!!

MY CARD IS ALWAYS DECLINING AND CAN NEVER SPEND IT!!!

I NEED MY MONEY!!!!!!!!!!

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 2023-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I bought a used XX/XX/XXXXXXXX XXXX on XXXX XXXX. From XXXX XXXX. Financed through Credit Acceptance. The Dealer added extra charges that I did not approve. The Dealer had me sign all paperwork on his Desktop computer. He did not print them and go over them. He lied and said I had XXXX XXXX which I did not. He did not go over the price of the car or anything. When I looked at the Loan agreement. It says I owe {$22000.00}. Which is outrageous. The Dealer added my downpayment instead of subtracting it. Also, on XXXX XXXX. My car was stolen from right outside my patio. Thank God I got it back. By me not have gap insurance. I paid out {$30000.00} to get it out of impound yard, paid {$170.00} for window. I replaced ignition by myself. I want out of this loan and my downpayment back. Thank for your help

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 2023-09-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-09-28 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 a victim of identity theft please remove this fraud inquiry 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 2023-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc
State: NM

Complaint narrative:
Calls all day from blank named numbers, different company names, all from same company. I've told repeatedly to stop calling emailed company to stop but they just started calling more times per day 20 plus now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Saturday XX/XX/XXXX, I was victim of theft and fraud. A person who misrepresented themselves as a representative of Chase Bank called me on XX/XX/XXXX telling me there was an unauthorized transaction in my account. This individual proceeded to then request a replacement card using my banking information and sent the debit card under my name to an address I have never been affiliated to. 

On XX/XX/XXXX, an unknown individual called Chase by phone and SOMEHOW transferred my entire savings account into my checking account and emptied it out within a matter of minutes. The transactions were mostly purchases with cash back of {$1000.00} at a XXXX in XXXX, Texas. I immediately opened a dispute with Chase and within 3 days Chase closed the dispute and told me the decision was not made under my favor and I should take the loss.

It was Chase Bank that somehow authorized a debit card to be sent to a different address than I have registered in my account, then Chase bank activated this card without my authorization or authentication and finally Chase bank allowed transfers from one of my accounts to another by phone from a person who was not me.

Chase Bank closed the dispute without doing their due diligence and investigating further how these fraudulent transactions occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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 XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681section 602 A. States i have a 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.

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 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Last Tuesday, XX/XX/XXXX, I attempted to buy gas with my debit card and was told it didn't work knowing full well that I had plenty of money in the account. I came home, tried logging into my online banking and was logged out. I called and spoke to a Fraud specialist at TD Bank and they told me that at XXXX that afternoon, some one pretending to be me went into a TD branch in XXXX and they closed out my card and had a new one created for themselves while impersonating me. They also attempted to use the new, fraudulent bank card at a XXXX XXXX XXXX branch nearby but they were unable to take any money out The following day, the XXXX I went into my local TD branch and I was able to close my old bank account and transfer the funds into a new account. I met with a XXXX police officer and filed a police report. 

This week, yesterday the XXXX, I came home from work around XXXX to find 8 large furniture boxes from XXXX in my driveway. I did not order this so I called the XXXX police and went to a drs appointment. When I returned the boxes were gone. A cop had driven by my house around XXXX and they were gone. After my appointment I met with a police man to file another police report for the new situation. I called XXXX and talked to their fraud department. They told me that the order was placed XX/XX/XXXX for about {$4000.00} worth of merchandise from XXXX. They have already had 2 bed frames with headboards delivered and stolen from my house XX/XX/XXXX. There are still items coming so XXXX tried to redirect the items to a XXXX center. They also alerted me that these people created a new gmail account using my full name. They also opened a XXXX XXXX XXXX account although I can not see this on any credit report. I also froze all of my credit last week when this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
XX/XX/XXXX my account was reported as 30 days late with a missed payment in XXXX but its still XXXX and I made a payment of XXXX bucks. I also lost this card due to covid. My mother was super sick and hospitalized and I had no way of getting the card becuse it fell between the crack of her seat ( car ). She contacts me and lets me know she found it. But I had no access to the online portal at all. Didnt know the name of this company and received no email. Its taking me years to build my credit profile and to get the cards Ive earned would take the next person a lifetime to get. I value my XXXX XXXX and a XXXX point loss is very harsh. I was also in the moving process in expensive XXXX texas and had no desire to be late. I just simply didjnt know where my card was or the name of company. Also, this card doesnt even come with a chip reader. If you look up my credit profile I have XXXX accounts and theyre all paid up. I dont deserve this and I pray my mother gets better and my health does too. I dont go 30 days with any my accounts not being paid. This card is just new to my profile and no due date was mentioned on email or a phone call or voice mail was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. 

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. 

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. 

Thank you for your attentiontothismatter.

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