vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NC

Complaint narrative:
I had a bank account with U.S. Bank and had can not express how regretful I am about EVER doing business with them. A compete and utter disgrace is how I espoused sum it up, from the terrible customer service where even supervisor will talk nasty to you and hang the phone up because they lack the information that their supposed to know. They allowed multiple different fraud cases on my account and not properly securing my account, I had to file police reports just to get my money back from fraud on my account that they neglected to see at time. Now they have closed my accounts unfairly and wont even allow me to access my remaining funds and are purposely procrastinating the situation I would like a formal apology and compensation for this tragedy called a business relationship

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I cant believe XXXX morning, I discovered that incorrect accounts were listed on my credit report, and I have no idea how they got there. I always check my credit report regularly, and today, out of nowhere, I noticed these discrepancies. I tried refreshing my browser, hoping it was just a mistake, but the inaccurate accounts remained. I need the documents I submitted to be reviewed carefully so I can stop worrying about this issue.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX  AND DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This morning, I was shocked to find inaccurate accounts on my credit report without any explanation. I check my report regularly, and today, out of nowhere, these discrepancies appeared. I even tried refreshing the page, thinking it might just be an error, but nothing changedthe wrong accounts stayed on there. Im seriously worried and want the documents Ive sent to be carefully reviewed so I never have to stress over this again.

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 2024-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am writing to notify you of an urgent situation related to the financing granted for the XX/XX/XXXX performed on XX/XX/year>, at XXXX XXXX XXXX. During the process, I was approved for two loans : one for {$8000.00} and another for {$3900.00}. However, only a total of {$9400.00} was used for the XXXX, while {$2500.00} was deducted, which was placed as a debt to Affirm. 
Consequently, {$8000.00} from the first loan and {$1400.00} from the second loan were used. This situation has resulted in an incorrect application of the financing, which has affected my financial capacity. It is important to highlight that the initial financing was agreed upon for 24 months, but it was ultimately set for 12 months, which has worsened the situation. I request that the necessary adjustments be made to the loan terms, both in the repayment period and the amounts, and that the amounts reflected in contracts XXXXXX/XX/1151, and invoicesXX/XX/3528, which justify the {$9400.00} used, be recognized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
Funds were taken from my checking account on these dates and for these amounts. All the funds were taken by using XXXX. I am XXXX XXXX XXXX. I have never used any type of app to move money in my entire life. I don't know how to use them. You can clearly see that in all of my banking records. The total amount comes to {$6800.00}. I have went to Chase several times in person and filed the proper paperwork and complaints and they have denied me multiple times to refund me of the money that was clearly taken from my account. I also filed 2 police reports about this situation, which I will attach below. 

XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$920.00} XX/XX/XXXX, XXXX {$870.00} XX/XX/XXXX, XXXX {$740.00} XX/XX/XXXX, XXXX {$630.00} XX/XX/XXXX, XXXX {$620.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$380.00} XX/XX/XXXX, XXXX {$380.00} XX/XX/XXXX, XXXX {$360.00} XX/XX/XXXX, XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I was recently reviewing my credit report and realized that there were a number of inaccuracies such as misspelled names and addresses at which I no longer live and therefore do not correspond to my current address. 

The inaccurate information is as follows NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - Having this inaccurate data is affecting me personally because it is not allowing me to build credit and get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted 3 disputes to each of the credit bureaus. An erroneous XXXX XXXX account was put on my credit report 3 months ago. My XXXX XXXX  account has never been in collections. I even went down to the court house and got a copy of my XXXX XXXX payment ledger. The XXXX XXXX account was NEVER a collection. The bureaus are ignoring my proof that I have been sending them! I was also never late on my Mortgage through XXXX. I have requested methods of validation for how they are verifying this account. Please see my attached dispute letters to all 3 bureaus and my XXXX XXXX payment ledger and court house documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: RI

Complaint narrative:
My daughter and I are moving on XX/XX/XXXX of XXXX. I opened a XXXX  account so I could try to sell some clothing that I had that I didn't use. I received an email On XX/XX/XXXX stating that one of my items had been purchased and to click on the email to receive the payment. I did it the next day on XX/XX/XXXX. It was the first time I had ever done this, as I was new to the site. They said that I needed to confirm that I was the cardholder and to put my debit card number in and they would put a {$300.00} hold on my account but it would only be a 5 second temporary hold. They stated that it was not a payment but it was just a security measure to help weed out fraudulent activity. As I completed the steps that they asked me to I saw that they took the {$300.00}. After 15 minutes I still didn't get it back I called cash app. They said that I had to wait until the transaction was settled and no longer in pending status. They said that they could see that a temporary hold was put on but to give a call back and they would be able to resolve it for me. When the XXXX came I checked and the charge had been settled as a payment. They never returned the {$300.00}. I called cash app to dispute it. They wanted photo evidence and I did mess up on that part so I called them back and they said unfortunately I would not be able to resubmit anything I had to wait for it to be denied and then resubmit it, turn the 12 photos of evidence that I have into a XXXX  document and then attach it to the new email. I did that and sent all of the proof in and I called them today on XX/XX/year> and they said that it's still denied. I sent them proof that they said that it was not a payment It was just a temporary hold, when I called them they said that they could see that it was a temporary hold. But they are not allowing me to get my money back. I sent them every step of me being scammed and how it looks like a legitimate XXXX site. I reached out and asked for documentation on why they denied my dispute even with the irrefutable evidence. She said that She would send something out to somebody and request that I get the documentation. I'm a single mom, I am low income. In the last year I have had the XXXX surgeries. I was diagnosed with XXXX XXXX and had a full XXXX. I then needed XXXX  XXXX. That money was literally all I had in my account. I have tried explaining my situation to them but they are not listening to me They don't want to help. I need help on this situation please!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. My personal information was compromised in a recent data breach, and as a result, unauthorized accounts and inquiries have been placed on my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that you block and delete all fraudulent accounts and related information from my credit file.

The account and inquiries that I believe to be fraudulent are as follows : Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CAP ONE NA ran a hard inquiry on my credit report without my permission. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ran a hard inquiry on my credit report without my permission. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  ran a hard inquiry on my credit report without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am disputing this due to inaccurate balance and also false information printed on the papers I received I have proof of XXXX payment and the papers say I owed XXXX and asked to have payments combined in which I did not. I asked for an extra week to pay off the last payment and was told I would have to start my settlement over. Now I am receiving papers saying the account balance is XXXX when I have already made 3 payments of XXXX therefore I have paid the balance already. Your papers say I only paid two payments but my account statement proves you took 3 of XXXX therefore the information is inaccurate. Wells Fargo also put the balance of XXXX on my credit and now took it back off and out XXXX on my credit when papers say the debt owed is XXXX therefore that is also false information I wish for this entire debt to either be fixed or removed from my credit due yo inaccurate reporting and falsifying information on ones credit. To continue to change their reporting amount over and over is fraud. The car was sold after repossession and they have received their money back already.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several inquiries and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclay 's Bank of Delaware requested ( and received ) a copy of my credit report on XX/XX/year> but will not tell me why. I did not apply for, nor do I have any accounts or credit cards with them. 

My credit monitoring company identified it as a " hard inquiry '' which affects my credit score. I called Barclay 's but they are unwilling to help or give me any information without supplying my social security number. I've been a victim of identity theft before, so I'm not sharing that information.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
BMW FINANCIAL SERVICES/CREDIT inaccurately reporting negative payment history and repossession. Account remained in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
So this is actually the second time cashapp has closed my account, first because they refused to get my funds back for a purchase I did not make and now for some alleged violation of their terms of agreement though I only take payments for services rendered doing tech work and most certainly have violated no terms. They both times refused to tell me anything just that they can confirm my account is closed. Last time it took me getting the company that took my funds fraudulently returning every penny of it for them to reverse the decision. This involved over a week where my money was literally locked into my account there and I could not get it out ( my bank at the time was a competitor they refused to allow me to withdraw to or even add as my bank ). This time I already had an account somewhere they allow only because of the issue from last time so I got my money out immediately. They have thus far refused to allow me a fair chance to prove they are wrong as they wont even tell me what term I supposedly violated so its impossible to gather proof of their incompetence as I dont even know which of their numerous pages of terms they are accusing me of violating. This is absolutely unacceptable from a banking institution and has cost me the ability to take payment from some of my clientele and has brought real world damages to my business. These guys legit have the worst customer service ever, they refuse to tell you anything then act like they have given you information and once escalated they again claimed that they had given me the outcome of the escalation in spite of not having done so. This has to literally violate laws of some variety cause its deceptive and shady and has messed with money that is not theirs without any ability to defend my business. Please hold them accountable for what seems like a gross over stepping of a financial institutions bounds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. My personal information was compromised in a recent data breach, and as a result, unauthorized accounts and inquiries have been placed on my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that you block and delete all fraudulent accounts and related information from my credit file.

The account and inquiries that I believe to be fraudulent are as follows : Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. My personal information was compromised in a recent data breach, and as a result, unauthorized accounts and inquiries have been placed on my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that you block and delete all fraudulent accounts and related information from my credit file.

The account and inquiries that I believe to be fraudulent are as follows : Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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