vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I have disputed these accounts several time with the credit bureaus XXXX XXXX but have not received any results or response for my dispute. These accounts are reporting inaccurately & incorrectly in my credit report and should be investigated. I demand that they respond to my dispute & request for reinvestigation as they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I have disputed these accounts several time with the credit bureaus & creditors but have not received any results or response for my dispute. These accounts are reporting inaccurately & incorrectly in my credit report and should be investigated. I demand that they respond to my dispute & request for reinvestigation as they are in violation of the FCRA.

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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WY

Complaint narrative:
I notified US Bank that a transfer of {$11000.00} was not authorized by me on XX/XX/XXXX. A claim was filed by US Bank, and I received a letter dates XX/XX/XXXX that the claim was denied. I requested the documents, which they mailed to me. I made calls to US Bank XXXX XXXX department to assist me in getting my money back. I made many phone calls to US Bank to dispute that this transfer was authorized by me. I called on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. Each time I called US Bank told me to call XXXX XXXX, as an account had been opened in my name at this bank, and this is identity theft and XXXX XXXX  is responsible for returning the {$11000.00} to me. I made several calls to XXXX XXXX  and they informed me that US Bank had filed the claim incorrectly, and therefore they are not responsible for returning the money to me. On XX/XX/XXXX I called US Bank fraud liaison and told them the claim was filed incorrectly, they told me they submitted the claim correctly. I received a letter stating they received the claim and I sent back another affidavit. I called back a week later to check on the status, and they stated they did not hear back from XXXX XXXX, and XXXX XXXX  still had business days to respond. I never heard back, and called back again. I was told the claim was denied, and I would have to get the money bank from XXXX XXXX. When I called them on XX/XX/XXXX they stated they did not receive the the XX/XX/XXXX claim from US XXXX, so they could not refund the money. They stated if US Bank could prove the claim was submitted, they could review. They stated that 60 days had passed and it was too late to submit a claim. They stated US Bank would have to refund the money. I called US Bank again, to see if they would send the XX/XX/XXXX claim to XXXX XXXX. They stated they would not, they submitted the claim correctly. The identity theft was at XXXX XXXX, amnd I would have to contact them again, as they needed to submit the claim for identity theft.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Incorrect information in 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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Incorrect information in 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 2023-09-20 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: IN

Complaint narrative:
On XX/XX/2023 XXXX I attempted to transfer {$630.00} from Cash App to my account at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX It is an account I seldom use and was closed without my knowledge so the funds were denied. After many attempts to work this out Im told the case is closed and they are unable to help. Cash App still insists they dont have the funds but I have sent them the statements twice showing they are still trying to deposit to a closed account. I have asked them to stop payment so I am able to deposit to another account. Im positive they have the money in holdings somewhere and they cant find it. My printout seems to prove this. I just want the funds as it was a payment for services I already completed. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently I've received a copy of my consumer report and I've noticed several accounts that's reporting to my report that's unauthorized and under multiple violations. I've sent Equifax a dispute letter asking them to investigate and remove any accounts or information that's inaccurate or doesn't belong to me. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I KEEP GETTING DENIED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the FAIR CREDIT REPORTING ACT, XXXX account # XXXX, XXXX, XXXX, XXXX, XXXX, and as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX, IL XXXX has vio ; ated my rights 15 USC 1681 602 A states i have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reeached at 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 2023-09-20 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: MA

Complaint narrative:
I DON'T APPLY FOR ANY OF THESE INQUIRIES, PLEASE HELP ME 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 2023-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My brother is XXXX  he have and account with bank of America I submitted every paper work they requested and still they are blocked me status is the documents are not notarized as you can see it is need your help please

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XXXX XXXX  billed me for the month of XXXX after I gave proper notice to vacate inside of their front office. I was moved out and had my lock removed by the end of the month. I notified XXXX XXXX and XXXX of this mistake and neither of the XXXX replied. Now this invalid debt is being reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: MA

Complaint narrative:
I DON'T APPLY FOR ANY OF THESE INQUIRIES, PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: MA

Complaint narrative:
I DON'T APPLY FOR ANY OF THESE INQUIRIES, PLEASE HELP ME 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 explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.

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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I deposited on XX/XX/2023 at Wells Fargo ATM the amount of XXXX XXXX dollars. Wich did not appear on my banck account. I am waiting for XXXX  month ago the proof that the bank has. It is the only proof that I have too. They closed 2 times my case but never show me the video. I have ATM number, Location and time that I made my deposit. Please help me with this case. I think Is not necessary look for a Lawyer to resolve this. Thank you in advanced. Sorry for my XXXX. My first language is 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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the FAIR CREDIT REPORTING ACT, XXXX  account # XXXX XXXX XXXX XXXX XXXX, and as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 602 A states I have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reached at XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Bank of America - VISA A BoA customer used his VISA card to purchase online services from me. 
He subscribed to 6 Fast Feed Accounts ( valued at XXXX USD per account ). Customer therefore had 6 active subscriptions starting from XXXX XX/XX/2023 until XXXX XX/XX/2023. 

Customer then contacted his bank and filed a 10.4 complaint, saying that he didnt make these purchases himself. BoA filed a dispute using the XXXX XXXX with my merchant XXXX. This system is completely inadequate and as such, I was unable to provide " compelling evidence '' to BoA as this requires the upload of the chat transcript I had with the customer. 

I have such compelling evidence as customer, who identified himself previously in XXXX chat, provided his email address ( which he uses to make online payment for the last 5 years according to XXXX XXXX XXXX ). 

I called BOA and attempted to contact XXXX XXXX, the agent that is supposedly handling these 4 dispute-cases against my company to no avail. The number she left in the dispute section leads to BOA, however, they refuse to redirect my call to XXXX XXXX. I explained what had transpired to an agent, and she told me that the only way for me to update the case is through their online system, which I no longer can access as my section of evidence provisioning is closed. There is as such, no further way to reach BoA to provide compelling evidence and as such, I am standing to lose XXXX USD, simply because BoA 's inept evidence provisioning system or the inability for such a bank to provide direct dial through ways to get in contact with a human to explain and provide evidence. 

As such, BoA is an accessory to commit fraud because it is impossible to update these types of cases with sufficient evidence without the ability to upload and foremost UPDATE cases.

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 2023-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I called Nelnet about a month and a half ago after I had submitted my consolidation application along with the IBR application to move one remaining loan to the SAVE plan. I was told it was pending and everything was fine. I am now calling today XX/XX/20 regarding status as its been another month since that call and they just keep telling me its pending. I am going to lose out on benefits under the SAVE plan like credit for payments, interest accrual waived, etc. I also am going to be expecting to pay on this loan despite all my other loans being in SAVE. I have been patient and its taking way too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I scheduled my payment to be taken out on the due date. They failed to take it out and charged me a late fee. I noticed that the funds were not taken out of my account so I called them to make a payment. They refused to reverse the late fee. Their staff is in XXXX and are completely incompetent. They told me several times there wasn't a late fee, but then my balance checks out and they added one then refused to take it off. They sent me an email after I requested to take it off, saying I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: BlueChip Financial
State: IA

Complaint narrative:
This XXXX XXXX XXXX  XXXX is contacting me through email, Stating I owe money {$980.00}, from pay day loan. 
My concern is is this a legitimate company or not this XXXX XXXX XXXX XXXX? 
I am XXXX only receive monthly income from Social Security XXXX insurance. So I dont want to send money and be scammed out of money, I really dont to give.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Capital Link Management, LLC
State: FL

Complaint narrative:
Received a text message stating Hello, XXXX, XXXX, XXXX XXXX needs a statement on behalf of you or your legal representative. Please Call XXXX using claim # XXXX,. Thank You XXXX  If you wish to no longer receive text messages, please reply STOP. Upon searching XXXX it appears to be a debt collection company called Capital Link Management. Verified phone number on website. They have also been calling me and leaving voicemails stating This message is in regards to a legally required notice we need to speak with you immediately to confirm location information please press one to speak with a representative. They are asking for my location and this concerns me. I have attached a photo of the text message which doesnt state they are a debt collector and the voicemail they continuously leave me when they call.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2023-09-20 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: NJ

Complaint narrative:
PLEASE HELP ME WITH THOSE ACCOUNTS AND WITH THOSE INQUIRIES XXXX XXXX  XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY 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