vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2022, My last attempt to resolve this issue I requested Experian please send me copies of the documents that each credit bureau have in my files as of this date that their company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. As of XXXX XXXX I have not received verification of alleged debt and alleged debt is still negatively reflected on my credit profile.

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 2022-03-01 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: HI

Complaint narrative:
XXXX and Equifax are reporting factual errors on my credit report from Company XXXXXXXX  account # XXXX XXXX and Equifax are reporting inaccurate High Credit, Inaccurate Credit Limit, Inaccurate Date Last Active, and inaccurate Date of Last Payment, these errors and inaccuracies are a direct violation of the FCRA so this account should be deleted from my credit report immediately and permanently. I will attach my Valid Hawaii State Drivers License, my Social Security Card, and a Copy of my Utility Bill for Proof of Identity and Residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: IL

Complaint narrative:
I have submitted two disputes to Transunion for my XXXX  XXXX account being reported late as of XXXX and XXXX of XXXX. The XXXX XXXX account was CLOSED and paid in full on XX/XX/XXXX. For some reason, XXXX XXXX reported it OPEN and LATE even though I called XXXX  XXXX and they apologized and said they will add a note to update the report with the accurate information which they mentioned that the account was paid in full on CLOSURE date and was never late. I disputed with XXXX and they removed the late payment and properly closed and documented the account. 

The first dispute was on XX/XX/XXXX and Transunion came back and still reported my account as OPEN and late but they removed XXXX and kept XXXX as late ( what? ). I then submitted another dispute on XX/XX/XXXX and they came back and reported my payment history to be 100 % but my pay status was late 30 days even though the payment history has already been updated as never late and the pay status does not even say when the account was late which was ridiculous. I have tried to reach Transunion multiple times and their representatives keep telling me to dispute again. I should NOT dispute an item three times for Transunion to get it right or investigate right. They probably never even contacted XXXX XXXX. Corrupt company and disgusting behavior.

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 2022-03-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Some one stole my identity and applied for a store credit card in my name. I called the company and the verified and sent me paperwork stating the application was fraudulent. Who ever applied for the card it was was a hard inquiry which is still on my credit report and its affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I did not go to the hospital this bill is not mine. they company has failed to send any signed agreement by me to pay for any services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a call from a collector on XX/XX/XXXX. His name was XXXX XXXX. He stated he was from XXXX XXXX XXXX XXXX and that I had an account w/Fifth Third Bank in which I owed XXXX. He told me that the debt was owed since XXXX. I immediately told him that I went bankrupt in XXXX and that they were in the bankruptcy and it was discharged in XXXX. He then told me that did not mean anything as the debt was discharged in the year of XXXX. I immediately told him to stop calling me. He then asked for my lawyers information and had a very nasty attitude. After that he sent me an email that had a settlement letter in it. I called my lawyer and they told me that Fifth Third was indeed in the bankruptcy, but he does not know why they would say I owed at the time XXXX as I did not owe but XXXX dollars under that bank at the time of bankruptcy. I called the debt collector back and he told me that I probably had two accounts and that they would be going after me a different way to pay off the debt. I told him that I did not have but one account and that was in bankruptcy, and I do not owe Fifth Third anymore because after my bankruptcy I never went back and opened anymore accounts because I have been with Third Federal Savings & Loan since the bankruptcy. I asked him why did he say that I owed the debt in XXXX, and then when I let him know I went bankruptcy in that year, he turned around and said no it was charged off in XXXX. He hung up on me. I am filing this complaint because I do not owe Fifth Third Bank and this company has been calling me since the bankruptcy and have been harrassing me even though Fifth third already was alerted that I had went bankrupt, they still sold the debt and now I have been harrassed. They should not have been calling me at all. And even though I keep telling them that I have went bankrupt they continue with the harrasing phone calls, much of them hanging up on me. When I move they try to find me and call my new number as well. Now they are trying to make it look like I had another account and that the bankruptcy is null and void and is trying to attack me civilly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My problem initially began around XXXX time of Last year, XXXX  when I deposited a Cashiers Check made out to my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX into my business checking account. As a veteran of the military, Id been a member of navy federal Credit Union for over 7 years. I called the bank and asked for guidance on how to go about depositing a larger amount of money into the account due to the fact that NFCU doesnt have many branch locations nationwide. I was walked through the exact process with a representative and completed the deposit. I was told the time would be about 10 days before I could have access to my funds just as a standard processing time. About 3 days into the process before the funds cleared I was contacted by a NFCU rep. The rep asked multiple questions concerning the origin of the money. I answered the questions very specifically and asked was there something wrong or to be concerned about. The bank advised me that I had no reason to worry and this was standard for a large deposit. I received about 2-3 follow up calls from different reps asking me the same question but they all said that I had nothing to worry about and my check hadnt bounced or been returned unpaid. I gave the bank the benefit of the doubt but I was alarmed at their suspicious behavior. After about 10 days, my funds clear as expected and seemed to be normal day of business. About 2 days after, my entire account access for both my business and consumer accounts were frozen. When I inquired about why my accounts were frozen I was completely stonewalled and treated like a criminal. I was ONLY told that some source outside of my actual Institution had claimed my money to be paid out in an error of some sort which Im stating for the record is absolutely false. I demanded proof of any documents the bank had but I was not provided anything. As a consumer and member of the bank I am supposed to have rights and protections and the bank refused to honor the law or my membership benefits. The bank stole nearly {$700000.00} from me and closed my lines of credit leaving me with personal and business debt and shuttering my business in the process. This ruined my consumer credit rating and also my business and its employees. They closed my account and said that I could not receive my money or anything in my account. Their actions violated Banking laws and the Uniform Commercial Code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have contacted this company about this debt. I have had my identity stolen, had to have my cards and ids replaced. I explained this to them and started to threaten me will a lawsuit, jail time, I asked them to remove the inquiry from my credit report. The amount stated i owe is XXXX I have not taken any such loan out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: IL

Complaint narrative:
I have submitted two disputes to Transunion for my XXXX  XXXX account being reported late as of XXXX and XXXX of XXXX. The XXXX XXXX account was CLOSED and paid in full on XX/XX/XXXX. For some reason, XXXX XXXX reported it OPEN and LATE even though I called XXXX  XXXX and they apologized and said they will add a note to update the report with the accurate information which they mentioned that the account was paid in full on CLOSURE date and was never late. I disputed with XXXX and they removed the late payment and properly closed and documented the account. 

The first dispute was on XX/XX/XXXX and Transunion came back and still reported my account as XXXX and late but they removed XXXX and kept XXXX as late ( what? ). I then submitted another dispute on XX/XX/XXXX and they came back and reported my payment history to be 100 % but my pay status was late 30 days even though the payment history has already been updated as never late and the pay status does not even say when the account was late which was ridiculous. I have tried to reach Transunion multiple times and their representatives keep telling me to dispute again. I should NOT dispute an item three times for Transunion to get it right or investigate right. They probably never even contacted XXXX XXXX. Corrupt company and disgusting behavior.

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 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I did not go to the XXXX this bill is not mine. they company has failed to send any signed agreement by me to pay for any services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I opted - out from receiving offers, the sale/resale and the suppression of any information pertaining to 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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I opted- out form receiving offers, the sale/resale and requested the suppression of any information pertaining to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
In both XX/XX/2022 and XX/XX/2022, along with numerous times in the last couple of years, Navient and XXXX XXXX ( a subsidiary for Navient ) has been charging interest on all my students loans throughout this COVID situation. Several 10 's of thousands of dollars. I disputed this on my credit reports and without my knowledge, authorization, permission, or my signature, they put every single one of my loans into in school forebearance. 
There are many problems with this : I am not in school. I did not request this. This was done without my knowledge or permission. 
Because of their actions this caused my credit score to drop over 150 points. I have been in an IBR for several years now, and this probably just messed all of that up, let alone any chance of public forgiveness in which I am currently try to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I did not receive a zelle payment that was sent yesterday on XX/XX/27 in the amount of {$1000.00}. The sender entered my email correctly linked to my zelle account at XXXX XXXX  ( see attached ). 

I have tried multiple times throughout the day to contact Zelle but they run a automated answering service with no option to speak to a live person. They also absolve any responsbility to track down transactions and inform people to just contact their bank. Zelle has also not resonded to a online message I sent them. My bank ( XXXX  ) is completely unreachable with no one picking up the phone or answering chat messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: NY

Complaint narrative:
I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks 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 2022-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks 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 2022-03-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/2022 at XXXX PM, my wife transferred a payment of {$500.00} through CashApp to me. We always use CashApp to send each other money. CashApp immediately locked my account that I have had for years. I contacted their support that evening and they advised that it would take 24-48 hours to resolve. I didn't hear anything Friday so, I contacted them on Saturday and was given the same general message of 24-48 hours. I waited until this evening to reach out and was advised 24-48 hours again. The representative then told me to contact my local authorities because they will not unlock my account. They are refusing to release my funds and I have spoken with them through chat, email, and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS
State: CA

Complaint narrative:
I opted- out form receiving offers, the sale/resale and requested the suppression of any information pertaining to me.

Company response to consumer: Closed with explanation