vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: TN

Complaint narrative:
Hey Transunion AND XXXX, I was recently checking over my credit report after receiving a response from you. I have the proof showing that I submitted the complaint # XXXX on XX/XX/2023 and received a response from you on XX/XX/2023 that states, DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX-UPDATED XXXX-VERIFIED AS REPORTED XXXX XXXX XXXXUPDATED Your credit bureaus stated that my account XXXX XXXX and account # XXXX was properly INVESTIGATED but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and the account name is inaccurate. This is grounds for removal they ALSO, violated my rights under 15 U.S.C 1681 Section 602A. States that 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 Also, the credit bureaus took more than 30 days to complete my investigation here is my certified tracking number / cfpb complaint # XXXX According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} ( XXXX ) per violations or all accounts deleted due to violation of my rights or delete all 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 non-monetary relief
Consumer complaint received 2024-02-15 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: IL

Complaint narrative:
I have no knowledge of this account, it is fraudulent I have had any connection with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX SQUARE closed my account for no reason which XXXX in funds waiting for release. 

They told me they can not support my account and I had to wait 90 days ( XX/XX/XXXX ) and they would release my funds. 

I then immediately refunded my customers back and had them pay me through other means with the exception of two customer who I did not know personally. 

On XX/XX/XXXX square did not release the funds. Ive called numerous times to be hung up on and now they blocked my number. I have to keep calling from different numbers to get some one on the phone and once they get my account they abruptly hang up. 

Ive emailed into customer service numerous times and blasted their social media to get generic responses refer back to your email for release date or someone will contact you within the next business day This is beyond unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: NC

Complaint narrative:
I've contacted the credit reporting agencies and placed a fraud alert on my profile after my information was stolen in XXXX. I researched my profile and found XXXX accounts ( XXXX & XXXX ) that I have no knowledge of or affiliation with. These accounts are being reported to my profile without my consent. 

I have the right to privacy and have not given any written consent. Furnishing this account is in violation of 15 USC 1681b I have no relationship with these creditors and these accounts are being furnished due to identity theft. Furnishing identity theft accounts that have not been verifiable is in violation of 15 USC 1681 c-2 I requested that my address was updated and fraudulent ones were removed to prevent linking me with fraudulent 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 non-monetary relief
Consumer complaint received 2024-02-15 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a credit card from XXXX XXXX, another two from citi bank the interest are super high and I don't have idea why because constantly I have paid but the amount of interest is always large the next period of payment and desperate and disappointed that this companies does not have any kind of audit or entity that advocate for the clients.

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 2024-02-15 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: CA

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action.

Heres the list of the questionable items : XXXX XXXX XXXX XXXX  Account XXXX Please supply information on how you have verified this item. 
XXXXXXXX XXXX XXXXXXXX - Account XXXX This is not mine. 
XXXX XXXX XXXX XXXX XXXX  Account XXXX I don't recall having late payment on this account XXXX XXXX XXXX  - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXXXXXX XXXX XXXX  - Account XXXX Please remove it from my public record

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was approached at a XXXX located on XXXX XXXX in XXXX, Virginia by XXXX men, XXXX asking if there is a XXXX around. He then asked to use my cell phone because he is in dire straights and needed to call a relative so that he could receive money so he could have a place to stay for the night. I allowed him to use my cell phone. The fraudster went into my XXXX app on my phone and took out a loan for {$6000.00}. After having my phone for too long I asked for it back and that's when I noticed my bank account on the screen and that there was money transferred from my account to people I do not know and a loan approved for {$6000.00}. The men left immediately when he handed me back my phone. I called XXXX immediately and reported what happened. I then went to the XXXX Police Department and reported the scam and was informed that it is a local scam targeting military looking men and veteran 's. XXXX opened a fraud claim and denied it. I then appealed the decision and they denied it again. I have not received an official letter stating that yet, however, I called today and was informed it is denied. I did not receive any money, I did not make the transfers, I did not apply for the loan. I was scammed and XXXX is trying to hold me responsible for a loan that I never received. This is a known scam in the area I live in, however, I did not know this until after speaking to the policy department. I have now spoken with many people in the XXXX XXXX are, you and old that this has occurred to. In the meantime, I am paying a monthly payment on a loan that I didn't apply for or receive any of the money so that it does not impact my credit score until I can get this resolved. I should not be held accountable for a loan that was taken out fraudulently and under false pretenses by someone else. XXXX does not take care of their members as their mission statement states they do and they should not be publishing " Their customers is their mission ''. I am now looking into hiring a criminal defense attorney to represent me and bring suit against XXXX which is more expense to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Subject : Complaint Regarding PHEAA Reporting of Student Loan Information Dear Sir/Madam, I am writing to lodge a formal complaint against the Pennsylvania Higher Education Assistance Agency ( PHEAA ), concerning the handling and reporting of my student loan information. This complaint is in reference to the collection account with reference number XXXX. 

My name is XXXX XXXX, and my personal details for verification purposes are as follows : Social Security Number : XXXX Date of Birth : XX/XX/XXXX XXXX XXXX  The issues with PHEAA primarily relate to the incorrect reporting of a student loan account information to credit bureaus and the apparent violation of my rights under several federal regulations and acts. Specifically, I believe there have been breaches in the following areas : Family Educational Rights and Privacy Act ( FERPA ) : This act is intended to protect the privacy of student education records. I have concerns that PHEAA has not adhered to these privacy guidelines in handling my records. 

15 USC 6801 & 15 USC 6802 ( b ) ( c ) : These sections of the Gramm-Leach-Bliley Act address the protection of nonpublic personal information. I believe PHEAA has failed to safeguard my personal financial information adequately.

15 U.S. Code 1681s2 ( A ) ( 1 ) : This part of the Fair Credit Reporting Act obligates furnishers of information to credit reporting agencies to ensure the accuracy of the data they report. There appear to be inaccuracies in the information reported regarding my student loan account. 12 CFR 1016.7 : This regulation requires c
lear and conspicuous notice to customers about privacy policies and practices. I am concerned that PHEAA has not provided adequate notice or clarity regarding their policies and practices as they pertain to my account.

The mismanagement and incorrect reporting of my student loan information by PHEAA have led to significant personal stress and financial hardship. It has adversely affected my credit score and, consequently, my ability to secure financial services.

I request a thorough investigation into this matter and appropriate corrective actions to rectify any inaccuracies in my student loan account reporting. Moreover, I urge the CFPB to ensure that PHEAA complies with the aforementioned federal regulations to prevent such issues from occurring in the future.

Thank you for your attention to this important issue. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: SC

Complaint narrative:
In XXXX of 2022, I received a settlement letter to pay the past due amount of {$250.00} to close the account. I called the company in XXXX to request a pay to remove collection agreement, the representative agreed. I made the payment in XXXX of 2022. A month later I checked my report and noticed that the debt is still showing with a balance of {$250.00} and it says " charged off as bad debt '' " profit and loss write off ''.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In XXXX of 2022, I received a settlement letter to pay the past due amount of {$250.00} to close the account. I called the company in XXXX to request a pay to remove collection agreement, the representative agreed. I made the payment in XXXX of 2022. A month later I checked my report and noticed that the debt is still showing with a balance of {$250.00} and it says " charged off as bad debt '' " profit and loss write off ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In XXXX of 2022, I received a settlement letter to pay the past due amount of {$250.00} to close the account. I called the company in XXXX to request a pay to remove collection agreement, the representative agreed. I made the payment in XXXX of 2022. A month later I checked my report and noticed that the debt is still showing with a balance of {$250.00} and it says " charged off as bad debt '' " profit and loss write off ''.

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 2024-02-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 consumer 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 2024-02-15 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Subject : Formal Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding Violations of Consumer Rights by Midland Credit Management Dear [ CFPB Representative ], I am writing to file a formal complaint against Midland Credit Management for multiple violations of my consumer rights. Despite numerous attempts to resolve this matter directly with Midland Credit Management, I have not received any responses or assistance, prompting me to seek intervention from your esteemed agency. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and obligations regarding the handling of my personal information. Specifically, I refer to 15 USC 6082 and 15 USC 6805, which outline the protections afforded to consumers in matters concerning the accuracy and privacy of their credit information. In light of Midland Credit Management 's failure to address my concerns and provide adequate resolution, I hereby exercise my rights under 15 USC 6802 to opt out of any and all authorization, whether written, verbal, or non-verbal, that I may have previously granted to them. This opt-out request is effective immediately. Furthermore, I assert that as a consumer, I am protected by all laws stated in the Privacy Act of 1974, which safeguard my privacy rights and regulate the collection, maintenance, use, and dissemination of personal information by federal agencies. Despite my efforts to communicate with Midland Credit Management and seek a resolution to this matter, their lack of response and apparent disregard for my rights as a consumer compel me to escalate this issue to the attention of the CFPB. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that Midland Credit Management complies with all relevant consumer protection laws. Additionally, I seek guidance and assistance in resolving the issues I have encountered with Midland Credit Management. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation