vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dave Operating, LLC
State: FL

Complaint narrative:
I have already paid off my debt to Dave, so I no longer owe him any money. Although I called Dave and requested an update on my credit, they advised me to wait for about two weeks for the credit inquiry to be removed. I have diligently made all the necessary payments to Daves bank, even though I was only late for one payment. However, despite my timely payments, my XXXX and XXXX report still shows that I owe a debt, which should have been closed weeks ago according to Dave. Additionally, every time I contact Dave, they ask me to wait and now they are blaming XXXX for this issue. Unfortunately, this situation has negatively impacted my credit score, so I have decided not to borrow from Dave anymore if this continues to be the case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: NC

Complaint narrative:
On or around XXXX XXXX, Saturday, XX/XX/2023 I purchased service with a streaming service. After not receiving access to the streaming service I contacted the seller on their website concerning the issue of not receiving the service. They acted like they could not find where I submitted the payment seller is not returning my emails, so I disputed the transaction with Cash App. Cash App informed me the dispute would take up to 10 days as it was stated when I signed up for their service. All of the sudden today, Saturday, XX/XX/2023, the representative tells me it is going to take 45 day, therefore, I closed my Cash App account and ceased business with them. On or about XXXX XXXX, XXXX  the XXXX XXXX XXXX XXXX submitted a statement to CFPB indicating they would return my funds. On Friday, XX/XX/2023, around or about XXXX XXXX I contacted Cash App to obtain my funds and they indicated they could not get into the previous account to return my funds. On Friday, XX/XX/2023, around or about XXXX XXXX  I contacted Cash App to obtain my funds and they indicated they could not get into the previous account to return my funds and refused to credit the funds back to my account. Cash App 's business practices meet the criteria for XXXX XXXX  General Statue 75-1.1 : Unfair & deceptive trade practices. I contend that Cash App violated the aforementioned North Carolina statue by refusing to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts appear on my credit while I was living abroad in XXXX, I have reason to believe my identity was stolen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
IVE DISPUTE THE ACCOUNT # XXXX XXXX XXXX XXXX XXXX. THAT WAS OPEN IN XXXX XXXX. THE CAR WAS TO BE SELF SURRENDER, NO REPO. SINCE THE CAR HAS BEEN XXXX, THE CAR DEALERSHIP HAS SOLD THE CAR AGAIN, TWICE. IM REQUESTING THAT IT BE REMOVED, THE CREDIT BUREAU HAS NOT RESPOND, OR DONE INVESTATION. IM SEEKING REMOVAL OF THIS FROM MY REPORT. IT IS HINDERING ME FROM GETTING A CAR. ALSO IM REQUESTING MY DOWN PAYMENT BACK IN THE AMOUNT OF {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
Since XXXX of 2023, I've notice incorrect reporting on my credit report. I reached out to XXXX XXXX, Experian for proof but to no avail. I have called both companies to inform them of the security breach of both but, they came up with an excuse. Both companies have a breach. The breach is local. The person has hacked into their server to change and abstract money from their service. She is sending out phony letters and both companies arent taken this seriousely.

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 2023-10-20 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: FL

Complaint narrative:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT DO NOT CLOSE THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS IS NOT ME! PLEASE SEE ATTACHED

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
While viewing my credit report I noticed unfamiliar account that doesnt belong to me .I understand that before any accounts or information can be furnished to the credit bureaus all information and all accounts must be 100 % accurate verifiable and properly validated I am not disputing the existing but I denied that I am the responsible debtor. I hereby that the account be. Legally, validated or be removed from my credit report immediately. 
There is a outstanding balance of {$31000.00} from credit acceptance corporation

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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Received a letter that a online application was submitted on XX/XX/2023. I did not apply for any credit with Capital One or any other credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received alerts from both XXXX and XXXX XXXX that someone has attempted to open a credit card with JPMCB ( Chase Bank ) using my information-IT WAS NOT ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..

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 2023-10-21 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: TX

Complaint narrative:
I checked my credit report and found out that I am a victim of identity theft. I am worried that these accounts weren't opened by me. This is hurting me because I am trying to get a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2023-10-20 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: CA

Complaint narrative:
I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

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 2023-10-20 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: CA

Complaint narrative:
I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I woke up to my car missing. I called XXXX, and they told me it was repossessed. 

Billing Summary : Payment Amount : XXXX USD Payment Fees : + XXXX USD XXXX XXXX Payment Summary : Payment Amount : XXXX which includes a {$600.00} tow fee from XXXX, an hour away from my residency. I would also like to state that my car smelled like cigarettes after picking it up from the impound lot, and I had to get it detailed. 

After I was told that I missed the XXXX payment, and that the late fees incurred equaled total payments, not just late fees, I paid the XXXX bill in XXXX to catch up on one month. Every month was always paid since, and I have my bank statements to prove this. I was also told not to pay XXXX 's bill that was coming out of my account the very day that my car was repossessed. I have taken ownership of this automobile and have always paid the payment, whether a week late, but by the end of every month, except for the XXXX payment, which was paid a week later. 

I'm reaching out about my car being repossessed since claiming ownership in XXXX of XXXX. After starting my new job in XXXX of XXXX, my company pays twice a month. I started late in the weekly cycle and was not able to pay my bill on time until I was on a pay cycle. I automatically set payments to come out of my bank account and never knew about these late fees. I want to stress that since I've taken ownership of this automobile, I stress highly on making sure bills are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Ive began to look into a house in did a Cerdit review in notice the there has been some fraudulent account in activity on my reports my company where I was employed at the time, was also a victim of a data breach with in that year for the one off the accounts Ive stated in my complaint in this were i believe my information was stolen and misuse due to a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: IL

Complaint narrative:
I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX {$700.00} XXXXXXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2023-10-21 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: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXXXXXX Balance : {$700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
In XXXX I started an XXXX and opened a business checking account with TD Bank putting {$500.00} of my own money in the account. I never did anything with the business or the account as the business never got going. 

Recently, I have been contacted by a debt collection agency saying that not only is the {$500.00} that I used to open the account with gone, but I apparently I OWE another over {$500.00} and change to TD Bank? I never received any notification by mail, email, or ANYTHING saying they closed my account, I owed them anything, OR that it was placed in collections. Since I never did anything with the business or the account I can only assume that the reason why TD Bank says I have a balance is due to numerous bank fees getting charged over and over again until the account was negative over {$500.00}. This is scam worthy behavior! 

I XXXX XXXX XXXX XXXX  and had some XXXX XXXX XXXX My welcome home gift from TD Bank was/is unauthorized and stressful collection calls and texts for an account that I never did anything with. It is horrible that a business can charge tons of secret fees, and unknowingly place you in collections! This is completely taking advantage of people and should be illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
SOMEONE OPENED XXXX XXXX FRAUDULENTLY IN MY NAME. I HAVE SUBMITTED AN FTC REPORT AND A LETTER FROM XXXX XXXX STATING THE ACCOUNT SHOULD BE REMOVED OFF OF MY CREDIT REPORT. EXPERIAN, XXXX AND XXXX SHOULD REMOVE THESE 4 ACCOUNTS OFF OF MY CREDIT. REFER TO THE FTC FOR ALL VARIATIONS OF THE ACCOUNTS.

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 2023-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
XXXX XXXX XXXX has sent me yet ANOTHER scam packet through the US Mail.

I DO NOT HAVE OR HAVE EVER HAD ANY ACCOUNT AT THIS THIRD BANK THEY NOW SAY THEY HAVE ALREADY GARNISHED AND STOLEN MY MONEY FROM.

I HAND DELIVERED A LETTER TO THEM FOUR MONTHS AGO TELLING THEM TO STOP CONTACTING ME. 

I AM ON SOCIAL SECURITY AND I AM NOT PAYING THESE SCAM PIECES OF XXXX XXXX CENT. 

I DONT KNOW WHAT THIS SUPPOSED DEBT IS FOR, I DONT CARE. 

WHY ARE THESE PEOPLE ALLOWED TO KEEP BREAKING FEDERAL LAWS????? 

The XXXX ALSO NEEDS TO BE INVESTIGATED. THEY HAVE OPTED TO NOT DO THEIR JOBS. THEY ARE ALSO OWNED BY XXXX MONEY GROUPS. 


FIX THIS XXXX COUNTRY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
I never signed with this company. They don't have my signature with their company.

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 2023-10-20 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I never signed with this company. They don't have my signature with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: HI

Complaint narrative:
I have a few questions : how do you complete your investigation? One more thing : I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per 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 2023-10-20 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: HI

Complaint narrative:
I have a few questions : how do you complete your investigation? One more thing : I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Delaware Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief