vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 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: TX

Complaint narrative:
Hello, I have began going through the journey of identity theft with all 3 credit bureau 's. I have provided police reports, affidavits, statements all notarized and they have continuously reported inaccuracies on my report. There is a XXXX XXXX XXXX that appeared on my credit report around XX/XX/2020. I reached out to the credit bureaus and filed an FTC report that still wasn't good enough. I have been reviewing my credit reports regularly. I have found several errors in the following account ; XXXX XXXX XXXX  Account Number : XXXX. I have disputed this account previously and every time I dispute with all 3 credit bureau 's and they continuously report negative information about me which is inaccurate, unverifiable, invalid and questionable that the credit bureaus didn't make sure the information was 100 % accurate. Which violates 15 U.S. Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. Currently, of which all three credit bureaus are reporting three different reporting dates and the last active dates. As you are aware there can only be one reporting date and the last active date. If in fact this was a repo or a charged-off account. How can there be a recent default in the payment if this account was reported as a repo in XX/XX/2020 but the payment history reflects no history on XXXX, XXXX shows charge-off began XX/XX/2020 and Equifax shows XX/XX/2020? None of these are consistent. This tells me that these accounts have not been properly verified or the credit bureaus have been lying about verifying these accounts and they must be deleted immediately. These inaccuracies from the credit agencies are clearly in violation of the FCRA Under 15 U.S. Code 1681e ( b ) Accuracy of Report. If any information or items disputed by a consumer ( me ), an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item immediately. The credit reports prove that this information is inaccurate and incomplete. Please remove these items from my reports. Once complete please provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the account and all listed information immediately. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: TX

Complaint narrative:
Hello, I have began going through the journey of identity theft with all 3 credit bureau 's. I have provided police reports, affidavits, statements all notarized and they have continuously reported inaccuracies on my report. There is a XXXX XXXX XXXX that appeared on my credit report around XX/XX/2020. I reached out to the credit bureaus and filed an FTC report that still wasn't good enough. I have been reviewing my credit reports regularly. I have found several errors in the following account ; XXXX XXXX XXXX  Account Number : XXXX. I have disputed this account previously and every time I dispute with all 3 credit bureau 's and they continuously report negative information about me which is inaccurate, unverifiable, invalid and questionable that the credit bureaus didn't make sure the information was 100 % accurate. Which violates 15 U.S. Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. Currently, of which all three credit bureaus are reporting three different reporting dates and the last active dates. As you are aware there can only be one reporting date and the last active date. If in fact this was a repo or a charged-off account. How can there be a recent default in the payment if this account was reported as a repo in XX/XX/2020 but the payment history reflects no history on XXXX, Experian shows charge-off began XX/XX/2020 and XXXX shows XX/XX/2020? None of these are consistent. This tells me that these accounts have not been properly verified or the credit bureaus have been lying about verifying these accounts and they must be deleted immediately. These inaccuracies from the credit agencies are clearly in violation of the FCRA Under 15 U.S. Code 1681e ( b ) Accuracy of Report. If any information or items disputed by a consumer ( me ), an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item immediately. The credit reports prove that this information is inaccurate and incomplete. Please remove these items from my reports. Once complete please provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the account and all listed information immediately. Thanks 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 2022-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I contacted my loan servicers, both XXXX and Aidvantage in attempt to try to confirm the origin of the loans they hold. I was told by XXXX that they no longer hold the loan for XXXX XXXX after I had gone through submitting the requested dispute form for a loan that was taken out in my name. 
There is a fraudulent loan that was taken out from XXXX XXXX in my name. This loan is approximately {$8000.00}. I was told by Aidvantage that I could not confirm the origin of the loans that they hold at all. I have been unable to dispute this loan successfully as I do not know who is holding the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
I I got an email last night with the Subject line " Adverse Action Notice '' from a company called XXXX, of which I've never previously heard. The email stated : Thank you for your recent application for a XXXX account. After very carefully reviewing your request, we regret that we are unable to offer you an account for the following reason ( s ) : Delinquent past or present credit obligations with others This may or may not be true, I don't know ; my credit isn't the best after a divorce and selling my house. They went on to say they'd pulled my info from Transunion and how I could get a copy of the report. For reference, my email address they used is my full legal name, though I have no idea how they got it nor other PII to pull my credit report. 

I sent an email stating : I didn't apply and have never heard of you. Where did this request originate? 

To which I received the reply : Thank you for reaching out! We apologize for any confusion this email may have caused. It was sent in error. You don't have an account with XXXX. This message should not have been sent. We sincerely apologize for the confusion. Please let me know if you have any questions. 

I replied : As you're pulling my credit, this isn't a good enough answer. How did this happen? And after 4 hours with no response sent : I need an answer to this or an escalation. No reply yet. 

How could this have happened and what recourse do I have? I found the phone number on their privacy statement XXXX, but it's a simple recording saying to reach out via email or the app. I have not found any other numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did contact XXXX XXXX XXXX who stated they can not assist me as they only provide financing and have no internal access to their systems.

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 2022-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I sent out a dispute letter certified to TransUnion per what the FTC requires, but they refuse to honor my request

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 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I CREATED A SUCURED PROMISSORY NOTE LOAN SOMEONE MONEY OF {$60000.00}. So XX/XX/2022 XXXX was when it was sent to USSA FEDERAL SAVING to be monetize to credit to the borrowers account. Which I was informed by a manager they do. So, yesterday I get a ding on my credit account/XXXX XX/XX/XXXX for a Hard Credit inquiry by 2 banks of a down payment for {$60000.00} and the home costing XXXX. So I called the bank and they informed me that have it but it will take another day. So I called this morning XX/XX/XXXX and asked about it. They told me they had lost the copy but on have the cover letter. So, I do have proof of my promissory note be maximized and the name of the two banks the tried to hide it through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/2022, my nephew sent me a text message asking me to send him some money. I sent him {$40.00} ; after sending him the money, my nephew called to tell me that he could not get into his account, so he created a new account. My nephew told me he had a new phone and could not access his old Cash app account. I contacted Cash app to inform them that I sent the money to my nephew 's account, and he can no longer access it. They told me to have my nephew contact them, which he did. Cash app told him they could not transfer the money to his new account ; then Cash app told me to request a refund because they could not send the money back to me, nor could they cancel the transaction. So I asked for a refund like I was instructed to do by a Cash app employee. Today XX/XX/2022, I looked into my Cash app account. I realized that the refund request had been denied ; I contacted my nephew to see if he had received the money or rejected the request for a refund ; my nephew told me, no, but he still could not get into the account. Cash app is not offering him any help, and he did not deny my request for a refund. I contacted Cash app to see what was going on with the account, and they rejected a request for a refund. They could not give me any information other than we can't refund your money back to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I closed my credit card with Citizens Bank because of how they sneak people into signing for online billing statements and then charge exorbitant fees when the person didn't consent to the fine print and doesn't realize they are late on payments. The CFPB should have a class action law suit on our behalf. 

In any case, I received my final bill from Citizens Bank credit card for purchase made from XX/XX/22 through XX/XX/22. Since my card was still open, I should have received reward points of 1.8 % on my purchases. I received XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
On XX/XX/2022 I purchased a XXXX XXXX XXXX money order in the amount of {$79.00} at XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My money order was stolen by XXXX Postal Service and altered and cashed by Old National Bank in XXXX IN XXXX XXXX XXXX XXXX. Im asking that my money be refunded back to me and {$15.00} for copy of money order and {$15.00} for faxing a copy of money order and also {$100.00} for stress and interest, which I feel is fair for all the calls and gas money am spending to get my money back. When I call old National bank Im placed on hold and no one answers my calls. Also my payment was for my car insurance and my car insurance was canceled due to this matter and I had to pay another premium of {$49.00} to reinstate my insurance.

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 2022-09-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief