vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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:
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 XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have been the victim of identity fraud. Someone has assumed my social and opened up fraudulent credit card accounts in my name. I have been unable to resolve and dispute the fraudulent accounts with XXXX. They have not provided any assistance in resolving this matter. Please help! 

Any assistance you can offer would be much appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach. I request the immediate blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The following accounts are fraudulent and must be removed : Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$42000.00} XXXX - XXXX - XX/XX/XXXX - {$32000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$4400.00} XXXX  - XXXX - XX/XX/XXXX - {$90.00} XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} Inquiries : XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/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 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On the XXXX of XXXX I received a call ( XXXX ) from the USAA fraud department ( alleged ). Caller identified himself as " XXXX XXXX. '' Promptly recited USAA protocol to confirm my identity. " Is this XXXX XXXX, please verify your telephone passcode. I provided the info. XXXX proceeded with a itemize list ( auto shop in XXXX, XXXX unknown store in XXXX XXXX, and three unknown locations in XXXX XXXX XXXX of locations in which my debit card was used. I responded no to all transactions. XXXX stated culprit possible USAA employee. Recommended I find nearest XXXX XXXX, get deposit slip, use provided account number, enter amount {$7000.00} cash advance with debit card, then he monitor any suspicious activity from his location. I complied. XXXX then suggest my wife do the same. I refused, put XXXX on hold. Called wife, suggested she call above number. She called above number, wife stated a guy answer " XXXX XXXX. '' I took XXXX off hold, told him my wife just called you. XXXX XXXX up. Call lasted 1 hour and 10 mins. I quickly called USAA fraud department, they froze both savings/checking accounts. Fearing my account was emptied, I asked to be transferred to the loan department. Within 30 mins was approved for a personal loan of {$4000.00} to pay bills until the investigation was over. XXXX and XXXX XXXX begged/pleaded for personal loan not be deposited in either frozen account. Was told by deposit department, open new account but would need {$25.00} deposit. Responded all I have is cash, this one time can {$25.00} deposit be waived. i was told 'no. ' Personal loan was deposited into frozen savings account XX/XX/XXXX. The {$25.00} fee was waived on the XXXX of XXXX On the XXXX of XXXX I begged/pleaded social security check {$1200.00} not be deposited into frozen accounts. Social security check deposited into frozen savings account XX/XX/XXXX. Have auto loan/insurance with USAA. Both month behind with late fees. Both accounts still frozen as of XX/XX/XXXX. The wife and I have been living on borrowed money since XXXX XXXX from family and friends. I called several times and asked does my veteran and social security benefits fall under Code of Federal Regulations : Title 31, subtitle B, chapter II subchapter A, part 212. I was told and still being told it was an 'Authorized Scam, and the case is closed. '' There is currently {$7900.00} frozen in checking and {$1200.00} frozen in savings. USAA fraud department recently told me " I owe them {$6400.00} ( minus my social security check {$1200.00} ) due to overdraft. Not to mention the personal loan of {$4000.00} I never received still frozen in the savings account and the 1st payment is due XX/XX/XXXX. Please help, I live on a fixed income. If not please point me to someone who can. 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 explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I contacted PayPal to have {$50.00} transferred to XXXX XXXX XXXX XXXX XXXX in my account. A man came on the line and said it his name was XXXX XXXX and he worked for PayPal. I have his phone number because I hung up two or three times because Im slow on the computer he called me and finally I answered and he said in case we get cut off again here is my private number so he gave me a number which is still on my phone to call him back if we got disconnected I never received the money instead {$50.00} from my XXXX XXXX account went missing. on XX/XX/XXXX, I tried to send {$50.00} from PayPal again they said something about an e-check later when I question where the money went I wasnt trying to buy anything. I was just trying to make a transfer and it never happened. I asked for my money back and they sent me to about five or six different people to talk to and they were going to file it in the solutions a little while later I get a letter saying I was not going to get any money back but Im out of {$100.00} so what do I do now? How can I get my money back and I did it save the number that he gave me to call back said his name with XXXX XXXX XXXX and thats the email that I put in this text. XXXX XXXX said that its not their problem. It started with PayPal and they gave me the number to call PayPal PayPal says its not their fault.Its not my fault, I wasnt buying anything I was making a transfer. More info if needed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 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: GA

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 XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PayTomorrow, LLC
State: MD

Complaint narrative:
Pay tomorrow is the original creditor and is reporting an open delinquent account, they have turned the account over to XXXX XXXX  who is reported the SAME DEBT. One of these companies need to remove their account from my credit reports for this to be a legal collection action.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-12-30 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: UT

Complaint narrative:
To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX XXXX # XXXX ... in the file you maintain under my Social Security number. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

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 2024-12-30 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: MD

Complaint narrative:
Unauthorized Inquiries : XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> and XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX  XX/XX/year> XXXX XXXX  XX/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 2024-12-30 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: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute an entry on my credit report concerning a student loan that I believe is being reported inaccurately and in violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ). 

According to my records, I was never informed by my loan servicer about their privacy policies nor was I given the option to opt-out of sharing my private financial information with non-affiliated third parties, as required under the GLBA. This failure to provide proper notice and opt-out options constitutes a violation of my privacy rights, which may have contributed to inaccurate reporting on my credit file. 

Please conduct a thorough investigation into this matter and remove any incorrect information from my credit report that pertains to this student loan. I request a full explanation and verification of the entries in question, as well as confirmation that the necessary steps have been taken to remedy any privacy violations under the GLBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: MO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX " Two '' Hard Inquries, ..please remove!.

I have no knowledge of these accounts, ..and they are no attached to any open accounts. 

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 explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate late payment information on my credit report, which I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, the inaccurate reporting of late payments contradicts 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies must ensure maximum possible accuracy in the information included in consumer reports. 

Experian is reporting incorrect information on my credit reportXXXX XXXX XXXX account # XXXX is showing incorrect information on XX/XX/year> as 30 days late. My transunion report is showing same date as paid on time. This is a major violation and innacurate reporting from the credit bureaus. I am providing documents to show proof.

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 2024-12-30 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 XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-12-30 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:
In accordance with the Fair Credit Reporting XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I used Square credit card POS in the past and this time they are holding {$10000.00} of my money for no reason what so ever I talked to the rep today at XXXX XXXX  XX/XX/year> XXXX and he said that they can do that at any time. I need to pay attorneys out of that money to complete my services that my client has hired me to do. I looked this company up on the XXXX  after the fact and they have XXXX complaints about this same scam practice. XXXX XXXX should me a shamed and the Feds should shut them down. I provided everything they ask for proof of state licensing, bank statements, a contract the customer signed, my drivers license .my website and they will not release my money. PLEASE help me I am not a large company. 
My receipt number that Square gave me XXXX Authorization number XXXX

Company response to consumer: Closed with explanation