vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Its been over 30 days, and the creditor has not updated information nor provided proof or documentation in regards to a late payment. They have not supplied this information. They must delete the alleged late payments on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted 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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX reported a collection in my credit file on behalf or XXXX XXXX. 

XX/XX/XXXX The account was removed from my accredit reports for inaccurately reporting a paid account. 

On XX/XX/XXXX, I discovered XXXX XXXX re inserted the same INACCURATE collection account on behalf of XXXX XXXX in my credit file. To my understanding the credit bureaus are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive such notification. 

XX/XX/XXXX The account was removed once again from my credit reports for inaccurate reporting. 

XX/XX/XXXX XXXX XXXX XXXX re inserted the SAME INACCURATE collection account on behalf of XXXX XXXX for the 3rd time. Once again, I did NOT receive a notification of reinsertion. 

XX/XX/XXXX, I disputed this account with XXXX XXXX XXXX, they did NOT provide sufficient proof of validation. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA the credit buraus are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

The FOLLOWING derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, the infractions are as follows : INACCURATELY REPORTING BALANCE INACCURATLEY RRPORTING DATE OPENED INACCURATLEY REPORTING ACCOUNT NUMBER INACCURATEY REPORTING THE ACCOUT STATUS AS OPEN INACCURATLEY RE INSERTING A PERVIOUS DELETED INACCURATE COLLECTION ACCOUNT NOT SENDING A NOTICE OF RE INSERTION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm submitting this complaint against all 3 major credit reporting agencies. 

I've submitted a letter to the credit bureaus, Experian, XXXX, and XXXX, on XXXX XXXX. This letter asked for detailed information regarding how the account information on my credit report was investigated and validated. Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act states that the credit reporting agencies are required BY FEDERAL LAW, to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 

I have demanded to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that they have on file for the accounts list below that appear on my credit report. These inaccuracies have hurt my ability to obtain credit. 

Under the FCRA, any unverifiable accounts must be removed from my credit report and if they are unable to provide me a copy of verifiable proof for these accounts listed below, they must be removed from my credit report. 

I demand that these accounts be removed from my credit report immediately seeing as that this investigation has gone on longer than 30 days and there has not been any verifiable proof ( i.e. an original customer signed contract with my signature on it ) presented within the 30 day investigation window. 

The accounts in question are listed below : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2022-11-09 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: AXOS FINANCIAL, INC.
State: KS

Complaint narrative:
Axos bank put 2 inquiries on my XXXX credit report that I didnt authorize. Both inquires occurred on XXXX. They hard checked my report for a service that was supposed to soft check as stated by their website. I have gotten in contact with axos bank support team several times and nothing has been resolved. I emailed first on XXXX and explained unauthorized inquiries. A second email was sent XXXX to attempt to reach out to them and nothing still has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Rent Recovery Solutions
State: GA

Complaint narrative:
On XX/XX/XXXX i noticed that there are several erroneous pieces of information currently reporting to my personal credit report. The accounts are as follows : account name : XXXX XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX XXXX amount : XXXX date opened : XX/XX/XXXX account name : XXXXy amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : dept of education amount : XXXX date opened : XX/XX/XXXX account name : XXXXt amount : XXXX date opened : XX/XX/XXXX account name XXXX XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name XXXX XXXX  amount : XXXX date XXXX account name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX  amount : XXXX date XXXX account name : XXXX  amount : XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: TX

Complaint narrative:
Date : XX/XX/XXXX Amount : {$1500.00} Cash app did not do anything to resolve the issue XXXX let XXXX people take my money frm my account I reports XXXX account but cash app did not do anything to resolve XXXX issue XXXX still let XXXX people scam me, XXXX  lady scam me I did not get a product

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: AXOS FINANCIAL, INC.
State: AR

Complaint narrative:
DEAR CONSUMER FINANCIAL PROTECTION BUREAU IM REACHING OUT TO THIS AGENY TODAY BECAUSE IM HAVING DELAY PROBLEM ISSUES WITH & XXXX XXXX XXXXXXXX GOES THE BY NAME OF AXOS BANK SO THE CONSUMER CUSTOMER CAN EXPLAIN MORE IMFORMATION ABOUT WHAT TYPE OF PROBLEM ISSUES HE HAVING WITH AXOS BANK REGUARDING DELAY OF MOBILE CHECK DEPOSIT WAS SUBMITTED INTO HIS AXOS MOBILE CHECKING BANKING APP OVER THE PHONE TODAY AFTER THE CONSUMER DEPOSIT MOBILE CHECK DEPOSIT AMOUNT {$2000.00} MOBILE CHECK DEPOSIT RECEIVED CONFIRMATION NUMBER XXXX XXXX EMAIL ADDRESS THE MESSAGE CAME FROM TRANSACTION DATE OF CHECK AMOUNT XX/XX/2022 CHECK TRANSACTION DATE WAS APPORVED ON THE SAME DAY THE MOBILE CHECK WAS DEPOSIT THOUGHT AXOS MOBILE APP ON MY SMARTPHONE TIME CHECK DEPOSIT XXXX AXOS BANK ARE WITH HOLDING THE CONSUMER FUNDS AFTER HE RECIEVE MESSAGE SAYING THE CHECK TRANSACTION AMOUNT FOR {$2000.00} BEEN BEEN RECIEVE & APPROVED THE SAME BUSINESS DAY THE CONSUMER REACH OUT TO AXOS BANK CUSTOMER SERVICES DEPARTMENT TELEPHONE NUMBER XXXX THE AXOS BANK ARE TELLING THE CONSUMER CUSTOMER HE HAS TO REACH XXXX BUSINESS DAYS BEFORE THE FUNDS CAN CREDITED INTO HIS PERSONAL CHECKING ACCOUNT WITH AXOS BANK AXOS BANK ARE REFUSING TO RELEASE MY FUNDS TO MY CHECKING PERSONAL ACCOUNT I HAVE THOUGHT THERE BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct XXXX XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report.

In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been very sick for approximately 15 months now starting XX/XX/XXXX of 2021 is when I was first admitted to the hospital and I haven't used my Bank of America EDD card since that day or before. Since then I have spent approximately 6 months total in the hospital I've been in and out and staying with family and after the first hospital visit when I returned home briefly in XXXX to find that my entire home had been ransacked vehicles stolen everything I owned was gone I never went back to my home. For a year I didn't have access to any of my emails my phone everything was in my home and all of my information was in my computer and everything was stolen from me. I couldn't even call the phone company and turn my phone off because someone had changed the password and they said I needed to go into the store with my ID and this was impossible as I was so sick I couldn't do that. I didn't have access to any of my emails I only recently have felt well enough to start delving back into all of that and getting some of my old identity back. I initially filed a claim while I was in the hospital I believe last year maybe in XXXX over the phone and apparently that was denied and now I filed it a reconsideration and it's been almost 2 months and they're just telling me they still don't have an answer for me and that's not acceptable. They initially said they checked the spending habits and that there was nothing unusual but that can't possibly be true it has to be unusual because I know that it wasn't me so it can't have been possibly like my normal spending habits someone's just not doing their job I lost everything I owned and {$5000.00} that was in this account and I don't think that they should just get to take as long as they want to make the right decision here my social security number is XXXX I'm sorry I don't have the account number or claim number but I know they can pull this up with my social. My phone number is XXXX and the address on file with Bank of America is XXXX XXXX XXXX in XXXX California. It has been over a year I've been trying to resolve this and last time I called to check on it was yesterday and they said they have no idea how much longer it will be even though they initially said less than 45 days that's not fair and it isn't right

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 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
I recently open an account with Square for my consulting firm to process payment. With in 2 weeks I process over {$10000.00} with square because of the recent volume of payment square ask to verify some transaction and my information. On XX/XX/2022, Square account service sent an email stating they review the information man account is back to normal and my funds will be transfer into my bank account. On XX/XX/2022 I check my bank account and notice the funds were not deposited into my account So I decided to reach out. I spoke to a representative this morning and he told be yes he saw the email as well and he place a ticket so everything can go back to normal. An hour letter I received and email stated my account was restore and I can do withdraw money, which is great. I continue to process payment for my coaching program and a few hours later, I got an email that my account was closed down and my funds will be held for 180 days. I immediately called Square account support and tried to get matter escalated. I spoke to name XXXX, she stated this issue has to be an error and she opened a case # XXXX. This issue has cause me to now become depressed. I been operating my business u=in good faith. I have never done any business with square & a sales rep recommended there service. I been a victim of Identity theft In the past and I made it clear to the rep I should online have one account which is this one. you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). It's unlawful to close my account with no explanation and to hold my funds. I recently open this account less than 25 days ago and I never received any charge backs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-09 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: WI

Complaint narrative:
I have disputed this problem for many years and was told that it was accurate after they investigation. But when i can them they don't even have my information. And this all started in the year of XXXX, and I been fighting to get it removed off ever since. So, I decided to get help for the police department. XXXX XXXX had me file identity theft report. And said she would investigate the situation and if she finds it to be fraud. she would notify me with a case number. And she did find it to be fraud and gave me a case number # XXXX. so, nothing was done about at the credit bureau it is still on my credit report. Now I'm asking for your help with this matter.

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 2022-11-09 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have disputed this problem for many years and was told that it was accurate after they investigation. But when i can them they don't even have my information. And this all started in the year of XXXX, and I been fighting to get it removed off ever since. So, I decided to get help for the police department. XXXX XXXX had me file identity theft report. And said she would investigate the situation and if she finds it to be fraud. she would notify me with a case number. And she did find it to be fraud and gave me a case number # XXXX. so, nothing was done about at the credit bureau it is still on my credit report. Now I'm asking for your help with this matter.

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 2022-11-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
First week of XXXX I applied for a HELOC where I was informed that this process would take 45 days, Well fast forward were in XXXX now and within the first few weeks I sent in all requested documentations and my calls and emails were being ignored. I have the credit and income and in good faith believe that this is discrimination or this was intentionally delayed in efforts to force me into a higher interest rate The individual over seeing my application is XXXX XXXX | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
TURN OF EVENTS 1. I receive an email from XXXX XXXX ( XXXX ) to XXXX  his son XXXX on XX/XX/2022, XXXX XXXX 2. This followed a further conversation on the email as has been provided. He said that he wanted to pay an advance for 12 sessions which would have amounted to {$420.00}, because I charge {$35.00} an hour. 
3. On XX/XX/2022 he emailed me that his attorney had sent a cheque to of the value {$1900.00}. He claimed that it was a mistake and the excess amount was meant for his nanny XXXX XXXX. 
4. I received the cheque via XXXX on XX/XX/2022. I tried to deposit it online via the PNC mobile app but the transaction did not occur. He said that his son was ill and he required the amount. So I sent out XXXX XXXX transactions to the id XXXX XXXX. One was for {$1500.00} and another was for {$420.00}. I had done this payment completely using my money since the cheque wasnt even deposited at that time. 
5. I deposited the Cheque on XX/XX/2022 and it showed on my account that the money was credited. 
6. I received a second cheque on XX/XX/2022 via XXXX It got deposited on XX/XX/2022 and it showed on my account that the money was credited. 
7. He once again asked me transfer the entire money to him. This time I sent out 2 XXXX payments and one XXXX payment only when it showed that the money was credited to my account. XXXX XXXX payment was to XXXX XXXX for {$500.00} on the id XXXX and the other XXXX payment was to XXXX XXXX for {$420.00} on the id XXXX. 
8. The first cheque got rejected on XX/XX/2022. 
9. The second cheque got rejected on XX/XX/2022. 
10. I received a third XXXX mail on XX/XX/2022. 
11. I was contacted via two phone numbers, XXXX and XXXX. 
THINGS THAT HAVE HAPPENED REGARDING THIS 1. I had filed a dispute for all the XXXX and XXXX transactions. 
2. There might be a time discrepancy because transactions are first shown to be pending and then they get posted. 
3. PNC Bank has completely frozen all my accounts even though I told them I didnt know that the cheque that I had received were fraudulent. 
4.I do not have any money currently because the bank didn't even give me access to my salary for the month of XXXX that was credited to the account days after the issue.

Company response to consumer: Closed with explanation