vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: GA

Complaint narrative:
I looked at my credit report around XXXX of this year and I noticed that some things are incomplete or not accurate, and according to the fair credit reporting act 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. These accounts Account Name 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 has reported itself twice on my credit report. The same exact account reported twice and with different information on each one. 
All of these accounts listed are not complete and are not accurate. 
I did get an investigation back but all it said is that they verified it was accurate but no information on how it was investigated to prove this accuracy. 
I requested a description of how they verified these accounts which they did not provide to me which violates 15USC 1681i7. 
According to the law if it is not verifiable or correct in any manner it should have been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: TX

Complaint narrative:
REQUESTED THREE TIMES YO THE CREDIT BUREAUS TO REMOVE UNAUTHORIZED INQUIRIES TO THE CREDIT BUREAUS I HAVE LISTED BELOW ALL UNAUTHORIZED INQUIRIES Creditor Name Date 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 XXXXXX/XX/year>

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 2024-08-26 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: GA

Complaint narrative:
Experian is obligated by the FCRA to report accurate account information, consumer has advised All the inquiries reported are fraud, said company had 4 days according to LAW to remove such items. Consumer filed FTC fraud report, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer. Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with wet ink signature. Consumer is not asking for an e-oscar report. If Experian does not have documentation to show these were in fact authorized it must be removed. Experian and its Trustee are liable under the SEC to follow specific rules. Experian commission file number ( XXXX ). Trustee/Depositor is - XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ) are all liable. Furnishing student loans on consumer reports is a violation of Privacy Act 1974 and Family Educational Rights and Privacy Act 1974 I have not consented to the publishing of this private information. Also, Furnishing Payment History on Consumer Reports violates 15 U.S. Code 1681a ( 2 ) ( A ) i.

I am requesting that Experian provide documents that they received from the furnisher in the past 30 days with my approval to publish this information. I will be filing IRS 211 ( treasury omb forms ) to audit the consumer 's account. Experian is securitizing consumers ' data yet refusing to provide consumers a copy of their consumer file, not consumer report. FORM TCR TIP, COMPLAINT OR REFERRAL with the SEC with the claim of security fraud. Experian is furnishing information on my consumer file without appropriate notification and approval as required by law. IRS Form 3949-A for the IRS to audit Experian with respect the my principal account and income Experian is making from the sales of the principal account consumer file. Remove all inquiries Remove all student loan files. Remove utilization I want compensation as provided in law for every violation.

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 2024-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer.

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 2024-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently checked my credit report. i noticed that i have been a victim of Identity Theft and found numerous credit inquiries that i have no knowledge of. Here are the 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 Please remove these fraudulent inquiries off my credit report. I also attached my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
Despite my diligent efforts, these fraudulent accounts remain on my credit report, and my disputes have been ignored or inadequately addressed. The persistence of these inaccurate accounts is causing significant harm to my financial standing and overall well-being. Upon discovering these unauthorized accounts, I promptly filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted this report to the relevant credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a updated credit report from XXXX the source of the public record on my credit profile. I am asking for the XXXX XXXXXXXX on my credit file to be investigated. I have proof that it don't belong on my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/2024 at XXXX Cash App allowed {$100.00} dollars to be taken from my bank account via cash app by a person under the name of XXXX XXXX XXXX $ XXXX ) without my authorization or consent ; on XX/XX/2024 at XXXX Cash App allowed {$300.00} dollars to be taken from my bank account via cash app by a person under the name of XXXX XXXX XXXX XXXX XXXX XXXX ) without my authorization or consent, which caused an overdraft to my account. On XX/XX/2024 after noticing these transactions I contacted Cash App and requested a refund and filed a formal complaint under complaint number # XXXX, and explained that I did not authorize these transactions and that my card was locked and no transactions should have occurred, and that I had became aware that these individuals had accessed others accounts also. On XX/XX/2024 Cash App sent me an email stating that they had compared my transactions and that they determined that the transactions had been authorized by me or someone that I authorized to use me credentials. Cash App made this determination without conducting any forensic analysis and without any further communications with me, and they made this determination even though they were aware that it was patently false and even though they were clearly aware thatthese persons had also made unauthorized transactions on other accounts. I have also filed a police report with the XXXX Police Department and I have filed a complaint with my bank, XXXX concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
A Best Buy credit card was fraudulently opened under my name on XX/XX/year>. That day, I called Best Buy and requested a letter from them asking them to document the steps they were taking to close my account and remove it from my credit report, including that the account was not mine, I am not liable for the account, and that it was removed from my credit report. It has now been one month and I have not received this letter. I have called again 3 times requesting this letter. The fraudulent credit card was added back to my credit report due to lack of documentation proving it was fraud because I have not had Best Buy 's support in 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 monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
On XX/XX/year> I received a Zelle payment from XXXX XXXX XXXX in the amount of {$100.00}. XXXX XXXX sent the funds via standard delivery which meant that the funds were not going to be received until XX/XX/year>. The payment in the amount of {$100.00} was for the purchase of two tickets for both him and his girlfriend to attend an event that I was hosting on XX/XX/year> in XXXX, XXXX. Because the payment was not going to be received in time of the event I had advised XXXX XXXX that he would need to make a payment at the door for the events and that when his payment which he sent via standard delivery was received on XX/XX/year> that I would refund him the {$100.00} he had paid. XXXX XXXX was not happy about the situation and requested a refund which I obliged to provide but only after the funds were officially received to my account. On XX/XX/year> when the funds were released prior to the original date mentioned I provided XXXX XXXX with the appropriate refund of {$100.00}. This is evidenced via the following Zelle transaction ID 's ( XXXX ; XXXX ). However I had been informed that on XX/XX/year> XXXX XXXX filed a fraudulent scam report stating that I sent funds via Zelle from his account without his authorization. As a result Zelle has blocked my zelle account and requested a refund of the funds. My bank processed that particular refund and XXXX XXXX has now been paid on two separate occasions on something he technically should have never received a refund for however I still provided him with one as a courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and contingency under15 USC 1681. 

Account name : XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602A 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 an account without my written instructions 5 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A XXXX XXXX credit card was fraudulently opened under my name on XX/XX/year>. That day, I called XXXX XXXX and requested a letter from them asking them to document the steps they were taking to close my account and remove it from my credit report, including that the account was not mine, I am not liable for the account, and that it was removed from my credit report. It has now been one month and I have not received this letter. I have called again 3 times requesting this letter. The fraudulent credit card was added back to my credit report due to lack of documentation proving it was fraud because I have not had XXXX XXXXXXXX XXXX support in 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 2024-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: LA

Complaint narrative:
I XXXX XXXX XXXX, had negative and false and misleading information reported to my consumer reports all 3 including XXXX XXXX and XXXX by Jefferson capital systems on XX/XX/2024 for and alleged debt of {$900.00} which significantly damaged my credit, on a collection of an alleged debt by XXXX, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. It became an INVESTMENT when it was first sold and that 3rd party had knowledge it was A alleged BAD DEBT. No UCC 11 liens to prove alleged debt. Request books of accounts of credit pursuant to IRS 583 to verify and validate. NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. US CODE 1692e False and Misleading Representations US code Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 1. The false representation or implication that any individual is an attorney or that any communication is from an attorney. I demand that you delete these false reporting off my consumer reports XXXX, XXXX, and XXXX, immediately or I will sue you in a federal venue with trail by jury And I further cease and desist any communication attempts and reporting from you on my consumer report ucc 1-202 upon this notice you have been notified

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: PR

Complaint narrative:
Remove these accounts because these companies use my information to put information oin my credit report that is not mine. 

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 2024-08-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
I bought a Google Play card from XXXX which activated it. I went home to use it and Google would not let me redeem it in their Google Play Store. Google said the card was not activated by the store, however everyone knows that the purchase of a Gift card at a XXXX automatically activates it. I went to Walmart and they said that they could not help me because their was no refunds. I contacted Google support which took me about a week to find, and Google said they can't do anything about it. I sent Google both sides of my reciept from XXXX as requested and pictures of both sides of the gift card I bought. After Google requested I send them this, Google came back and said they are not going to honor the purchase and that they are keeping my money. Now I know Google is in court alot for Fraud and other laws that they break, but I'm not letting these criminals get away with stealing my money. The Google rep even told me that she sees it was paid for, and still sees the amount on the card. Then said, we are still not honoring it. This is the most CROOKED answer I've ever gotten from a US company, even if most of their employees are in XXXX. I've seen thousands of reviews online about Google stealing money throught gift cards. I want this posted on your site and FTC. Its sad they don't have phone numbers to call and use that to get away with massive crime. THIS COMPANY IS THE BIGGEST FRAUD I HAVE EVER EXPERIENCED, AND WERE BLUNT ABOUT HOW THEY WERE KEEPING MY MONEY. I have all the emails to prove it!!!

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 2024-08-26 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 non-monetary relief