vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 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: FL

Complaint narrative:
I just got my credit report and some accounts on my credit are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They must be XXXX because everything is inconsistent. 

Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is a civil liability for willingful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have formally requested Experian to conduct a thorough investigation into the account they've included in my credit report. Despite making this request on at least three occasions, Experian consistently responds by asserting, " Account meets FDCPA requirements. '' However, they neglect to carry out a genuine investigation, as evidenced by the fact that if such an investigation were truly conducted, the account in question would be expunged. I have evidence to support my claim!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
I have had a square account for over 5 years and only get paid after my company completes the services a client paid And they froze my money and said I cant access for 90 days these funds will finance my materials and pay staff for the next contract with out my funds I will forced to close o am actually XXXX XXXX XXXX XXXX XXXX XXXX this is how XXXX this has got me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year>, The Consumer Reporting Agency EQUIFAX had sent me a message stating that it had Deleted an Account identified as XXXX XXXX XXXX. ( see attached ). XXXX XXXX XXXX is still reporting on my Equifax Consumer report ( see attached ). XXXX XXXX XXXX is reporting as a Collection status and for the amount of {XXXX  Equifax had informed me that this account had been deleted but in reality never really done so. This might just be a mistake on Equifax behalf, but detrimental to my Consumer report non-the-less.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
3 separate partial claim documents on 3 separate occasions. I have requested incorrect calculations and escrow withdrawal for lender placed hazard insurance unlawfully on multiple transactions to be corrected and refunded. Including correcting inaccurate balances to be corrected on partial claim documents. They have refused to make corrections of there mistakes. Jeopardizing Covid-19 partial claim and Haf assistance to be able to reinstate mortgage loan. Also charging me fees well I wait for corrections that never happen. In my closing of escrow documents it states that for the loan to close one year of the proper Hazard insurance be provided enabling the loan to close. Therefore my loan with Midland Mortgage would have never closed escrow if they did not have these documents to do so. Nonetheless I was charged for lender Place Hazard insurance 10 times. My hazard insurance is the same exact policy the entire duration of said loan. These fraudulent charges including fees needs to be refunded immediately. Fraudulent comes into play after repetitive withdrawals. Midland Mortgage has the closing of escrow documentation same as me. Not to mention they should know their own contract. The fact that they have refused to make Corrections of their mistakes and in turn affected my covid-19 partial claims and half funding while charging me fees will they refuse to correct their mistakes is absolutely unacceptable and the repetition of it including the refusal to fix makes it fraud with intent to defraud. Due to the multiple notice of errors sent and received my Midland Mortgage. Including live Midland Mortgage Teller Communications of the problems. That of which are documented and recorded. This also involves RESPA violation for mishandling of escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America account, and only have a Bank of America credit card attached to my SSN. I used to have excellent credit, I pay all of my bills on time and relatively leave no balance on my card. Before this incident, I had a XXXX credit score that I was very proud of. All of a sudden around XX/XX/XXXX, I got an email stating that my credit score has completely disappeared. There was no trace, and any online credit monitoring g service stated that I went from having {XXXX} in accessible credit to XXXX. I did not close any accounts, and my credit card was still active, so this made XXXX sense. Upon calling time and time again to BOFA, they stated that they have no control over this, and that the last time my credit was reported was in XXXX of 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 2024-02-04 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: IN

Complaint narrative:
Equifax had a breach. My information was stolen and is now on the dark web including but not limited to my social, birth date, address, email address, and phone number. I have told them many times about this. However, they have refused to fix any issues with my credit. I had to file for bankruptcy. Then the companies of course want to use the excuse of bankruptcy to not remove the items from my report. They like the others have allowed many companies to add the same account more than once and will not remove the duplicate accounts. They refuse to honor the identity protection or to pay the cost of getting it repaired as the court ordered them to in a huge lawsuit that was filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The information that was forwarded to the company by your firm the company sent me a letter back stating they couldn't understand what I meant. The information was : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also the information on the accounts where I worked is irronious USPS Letter XXXX XX/XX/XXXX, USPS Clerk XXXX XXXX, US Postal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for Care Credit in the beginning of XXXX. I went through the entire application process upon which Synchrony Care Credit sent me a link to scan my face and my driver license. I scanned my face with no issues but when I tried to scan my ID it would not read the barcode. Thus, I was denied a line of credit. So I called and they send I could send a letter stating why I disagree with the determination. So I wrote up a letter stating I am myself and I am applying for a line of credit. I included the date I applied, my application number and a color copy of my driver license and social security card as well as some personal information to prove to them I am who I am. ( Which is that I am a co-signer on my Moms account and included all of her personal information as well-someone other then me wouldnt know that ). They eventually sent a letter back saying that this information I submitted was not sufficient in proving my identity so they advised I wait a month and try again. So, I waited almost a year after I was issued a new driver license, I thought maybe this time it will work. Same result. I called again explaining that my credit has now been dinged twice just to be denied due to a system error. I explained that I have an Amazon synchrony account and had no problems with that. They said there was nothing they could do to help me, that I could just keep trying. I dont know how it benefits them to keep letting people ding their credit and not fix their verification system but I am very upset. If they can not verify me and approve my account then I want the songs removed from my credit line. How many peoples credit are they harming when all we want to do is built our credit?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I have a restaurant called XXXX XXXX XXXX XXXX XXXX The processing company we had was Square Inc. Everything was fine and suddenly they froze my account with {$2700.00} in the fund and they didn't give me a response, why did they do that? They only told me that in 90 days the funds would be released and it's been 5 months and they haven't given me an answer for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Recently, Citi bank closed my credit card abruptly and without advantage notify me and I do anything wrong that violate the term of Citi bank. I found out that my credit card account were closed after transaction was declined at store and forfeit all my rewards with amount of XXXX .As Citi visa Costco reward, we can only redeem reward point once a year. I did try to write to Citi card, but in response letter, my earned reward during the year will be forfeit as result of their closing. I do not think these actions is correct ( closing my credit card + forfeit my EARNED reward ). Could you please help or advise me what and / or where I can do or go to get my EARNED reward for redemption. Please 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 explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see the attached Equifax data breach claim and FTC report and remove the following unauthorized accounts and inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted significant documentation to show inaccurate/complete information on my credit report. I have provided each account to point out the inaccuracies and they still remain on all 3 credit reports with inaccurate information. This is my seventh attempt to have accounts reporting falsely to be removed from my credit report. I have AGAIN attached my documentation along with FCRA 611 15 U.S.C 1681I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: GA

Complaint narrative:
Received mailed debt collection letter dated XXXX XXXX on XX/XX/2024. Letter from XXXX XXXX XXXX XXXX stating they were collecting {$58.00} for a charge owed to XXXX XXXX XXXX XXXX 

I do not have or have I ever had a XXXX account. 

I called XXXX XXXX Customer Service XX/XX/XXXX  and spoke to XXXX. He was able to confirm that the account listed on this debt collection letter is not mine and not owed by me. He sent the account to their Recovery Team for investigation and the account debt will be closed. XXXX said that if the collection agency contacts me again, I am to tell them that I contacted XXXX, XXXX And that they are investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have been trying since 2021 to have Navient remove my Consolidated Loan information from my four Credit Reports Agencies ( XXXX, XXXX, XXXX and XXXX ). 

My Navient Consolidated Loan Balance {$38000.00} was moved to XXXX and my Navient Account was Closed/Paid in Full XX/XX/, since the Balance was Transferred. 

Then, XXXX split the Consolidated Loan Balance into two Consolidated Loan Balances {$15000.00} and {$23000.00} based on Subsidized and Unsubsidized Loans, but the Consolidated Loan Balances still = {$38000.00}. 

Thereafter, I applied for my XXXX Consolidated Loans to be forgiven due to XXXX from XXXX XXXX Treatment. 

The Department of Education approved my Total and Permanent XXXX Application and my two XXXX Consolidated Loan Balances were Closed/Paid in Full XX/XX/2021. 

After my XXXX Consolidated Loans were reported as Closed/Paid in Full to all 4 Credit Reports Agencies , I requested Navient to please remove their Consolidated Loan information because it was appearing that I had double the amount of Consolidated Loans between Navient and XXXX. 

Although I only had {$38000.00} total in Consolidsted Loans, with Navient and XXXX both listing the same Consolidated Loans it appears if I had {$77000.00} in Consolidated Loans instead. 

I have tried numerous times to try to explain this information to Navient Customer Service, but I continue to receive the same cookie cutter responses that my Navient Consolidated Loan is Closed/Paid in Full with no mention and/or referencing of my concerns noted above. 
-- -- I have attached an example of my XXXX Credit Report for reference. 

Please note my Navient Consolidated Loan information appears the same on all four Credit Reports Agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX ) This company XXXX XXXX Balance {$3800.00} Balance updated XX/XX/2024 has reported invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ). This account that I have no knowledge of led to severe stagnancy in my business ventures. 

XXXX ) This company SYNCB/BRANDSMART POTENTIALLY NEGATIVE Balance {$2500.00} Balance updated XX/XX/2024 has reported invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX This account that I have no knowledge of led to severe stagnancy in my business ventures. 

This company SYNCBXXXX POTENTIALLY NEGATIVE Balance {$3400.00} Balance updated XX/XX/2024 has reported invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX This account that I have no knowledge of led to severe stagnancy in my business ventures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see the attached XXXX data breach claim and FTC report and remove the following unauthorized accounts and inquiries. Account : XXXX XXXX XXXX XXXX. Experian please be aware that you are the only credit reporting agency reporting this inaccurate account. Please remove the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation