vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
DETAILS IN LETTER ATTACHED UNAUTHORIZED INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hard inquires too old and must be removed from my credit report XXXX inquires too old and must be removed XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
Hard inquires too old and must be removed from my credit report XXXX inquires too old and must be removed XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
XX/XX/23 I paid off my account statement to the card at once ( approximately {$590.00} on a {$600.00} limit ) ; I am using the card to build credit so trying to use it and pay off the balance each month. The card showed that the statement was paid off. The terms of service do not authorize the lender to arbitrarily freeze the card based on paying off " large '' amounts. I received no notification of why the account balance was being held post-payment. 

XX/XX/23 I confirmed over the phone that I made the payment. I asked them to point out where in the agreement it said they were authorized to hold the account ; they refused to answer and said they weren't allowed to tell me why other than that I had made a " large '' payment. They told me it wouldn't be unfrozen ( arbitrarily ) until XX/XX/XXXX at the earliest and could not confirm that this would not happen in the future.

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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
By 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 has violated my rights : 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

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 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.

15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

1. XXXX XXXX XXXX XXXX. XXXX XXXX Charge-offs are a cancellation of debt which become INCOME, and income is prohibited information on a consumer report. 

Furthermore, XXXX XXXX debt and any actions of collection was dismissed in the court of law and should not appear on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I am disappointed as a current Discover card customer with regard to their response to dispute XXXX. It is as if the representatives I had contacted through their chat and via the dispute page did not even read my dispute thoroughly or misunderstood the reason for my dispute. My most recent interaction was today XX/XX/XXXX. My prior chat interaction before that was on XX/XX/XXXX. The dispute was opened on XX/XX/XXXX. The last representative I contacted with Discover misunderstood the dispute as me needing to be charged an additional {$260.00}, but I was in fact disputing due to being overcharged {$260.00} from using the card as the remaining cash down payment funding for my XXXX XXXX motorcycle purchase from XXXX XXXX XXXXXXXX. They misunderstood that I was already refunded fully and made whole from the {$1000.00} credit that the store did issue for one of the charges made there ( which is explained further below ). I was left without resolution due to incompetence along with my case being closed despite attaching all the clear evidence I had including the bill of sale indicating the remaining down payment was for {$730.00}. The store charged my card {$1000.00} two times as the sales representative indicated their system was not working properly at the time and I was given assurance I would be refunded if I was overcharged ( this did happen ). The store did refund me one of the {$1000.00} charges, but the remaining {$260.00} that was owed to me is still outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my credit report Experian is showing an address of XXXX XXXX XXXX XXXX XXXX and a PA address of XXXX XXXX XXXX XXXX XXXX, XXXX. I have never lived at either of these addresses. 

Also on my credit report due to Experian 's error XXXX XXXX XXXX has a {$6800.00} balance as a collection account - I have checked ti the other credit agencies and they do NOT have this collection account or this address on my report. 

I sent a copy of my XXXX credit report so that Experian could verify this. Further, XXXX XXXX and XXXX have removed the XXXX XXXX XXXX address from my credit file ; Experian is the only credit reporting bureau that refuses to remove the 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 explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MI

Complaint narrative:
Rent Recovery Solutions has a debt owed to XXXX XXXX XXXX that I have never had a lease with and I am not responsible for the money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. 

XXXX XXXX XXXX  XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hard inquires too old and must be removed from my credit report XXXX inquires too old and must be removed XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, 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: NY

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. 

XXXX XXXX XXXX, XXXX XXXX :, XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, 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: NY

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Bella Sloan Enterprises
State: PA

Complaint narrative:
Nothing personally these or any companies done to me. 
Just want to remove all my inquiries on my XXXX credit reports. 
XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/2009 Balance : {$12000.00}. Please delete ASAP.

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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, 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: SC

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 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 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 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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # 517805XXXXXXXXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/2023, I filed a dispute with Square for a fraudulent charge made with my square checking account card for {$93.00}. On XX/XX/2023, square decided to go in the merchant 's favor. 1 days is not enough time to complete a thorough investigation as required by FDIC and or Mastercard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XX/XX/XXXX received a letter from National Credit Systems indicating we owed {$1400.00} on apartment rent from XXXX XXXX XXXX Apartments. We moved from XXXX XXXX XXXX in XX/XX/XXXX. 

XX/XX/XXXX went to XXXX XXXX XXXX management and they confirmed WE HAVE NO OUTSTANDING DEBT. They printed out our full payment history. Management also indicated they did not use National Credit Systems as their debt collector. 

XX/XX/XXXX mailed payment history and return slip to National Credit Systems disputing debt. 

This debt collector has since indicated we have not supplied suitable evidence and has continued to pursue myself and fianc. They are threatening to report us to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUSTMARK CORPORATION
State: TN

Complaint narrative:
On XX/XX/2023, I authorized a one-time payment, in the amount of {$96.00}, with XXXX for Order # XXXX. The total amount of {$96.00} has been placed on hold with my financial institution : Trustmark. On XX/XX/2023, I was alerted to a second hold using the same Trustmark account for an additional and separate hold, in the amount of {$71.00} from the same merchant for the same items. I called my financial institution to dispute the transaction and request a reversal/release of a second hold that was not authorized. Initially, I was informed the second hold would fall off within 5 to 7 business days. I stated, " I need access to those funds immediately and didn't grant permission for an additional hold to be placed on the account in no form or fashion. '' Trustmark call center indicated the problem or issue was on the merchant 's side ; however, the merchant always indicates they only submit one authorization hold. I was later told to have the merchant fax an authorization release to the financial institution as Trustmark had no method to release the funds back into the account. I then traveled the nearest local branch of Trustmark in XXXX, TN XXXX. I had spoken with Vice President XXXX XXXX XXXX NMLS # XXXX, informing her I've had this happen on several occasions with other vendors as well. XXXX XXXX indicated several merchants practiced the same method and required the merchant to fax the authorization in. While within XXXX XXXX 's office I was in contact through telecommunications with XXXX explaining the placement of two holds when I only authorized one. In previous occurrences, XXXX provided documentation through email of only submitting one transaction request. I was on the phone with the merchant while also within the XXXX Trustmark branch so everything can be verified but XXXX XXXX suggested to return to the lobby to speak with the merchant due to not being able to discuss the situation while I was listening to the representative. I returned to the lobby. The representative from XXXX verbally provides an authorization of release code to provide the teller. I returned to XXXX XXXX 's office. In which, she provided a business card with fax information. I left the financial institution with the impression my right was infringed on under U.S.C Title 12 under the constitution.

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