vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 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: CA

Complaint narrative:
The company XXXX XXXX XXXX reported the information has certified to Experian that the information is accurate THAT IS IMPOSSIBLE BECAUSE I REPORTED THE ACCOUNT AS IDENTITY THEFT, THE ACCOUNT WAS OPENED FRAUDULENTLY. I never lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Ive been living at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX since XXXX of 2018. 

Ive attached the false updated response from XXXX XXXX XXXX to Experian & Ive attached my identity theft document to support my claim.

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 2023-07-05 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: OH

Complaint narrative:
On XX/XX/2023 I sent affidavit to Experian to remove unverified information on my credit report without my consent. Experian violated code U.S. Code 168b ( 2 ). Experian violated my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was paid {$300.00} via Cashapp on XX/XX/XXXX by a close family member. I changed numbers, and could no longer access the account which the money was sent to me on, due to my old number being linked to it. I've attempted numerous times to try working with Customer Service, even connecting a sponsored verified linked account with my mother.. I've exhausted all attempts with Cashapp customer service, and they refuse to release my funds. As a new college student, the money was to be used to buy my college schoolbooks. Now I may not be able to purchase books for my first semester of college.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
remove fraud item- XXXX XXXXXXXX XXXX they are violating my consumer rights

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
SEVERAL CREDIT CARD ACCOUNTS THAT WERE PAID IN FULL THROUGH THE ACTUAL CREDIT CARD COMPANY THAT WAS PAID IN FULL, BUT REPORTING NEGATIVE OR BAD ON ALL THREE CREDIT BUREAUS XXXX, XXXX AND TRANSUNION.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
SEVERAL CREDIT CARD ACCOUNTS THAT WERE PAID IN FULL THROUGH THE ACTUAL CREDIT CARD COMPANY THAT WAS PAID IN FULL, BUT REPORTING NEGATIVE OR BAD ON ALL THREE CREDIT BUREAUS XXXX, EQUIFAX AND XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: TX

Complaint narrative:
XX/XX/ ssdi deposited {$910.00} into son 's account he was never able to access those funds and complaints and calls began that day. XX/XX/XXXX they state comerica took it back out. Comerica states they don't do this, Direct Express handles all this. SSADMIN and the federal treasury state direct express has it.I have called back and forth between these companies throughout XXXX and XXXX. Today XX/XX/ XXXX XXXX  we have stopped payments for future to direct express but I was told by SSADMIN that I have to pursue payment for XXXX and the run around has been all day on the phone again. I have an account # that matches nothing direct express has ever given my son and a trace number for the XXXX check but I'm being told by both companies they can not research this information. This has to stop and my son needs his XXXX. They will not fix this from just me fussing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX Account number XXXX XXXX5 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 of 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 2023-07-05 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: GA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX Account number 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 of 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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I one late payment on a account that I was never late on. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to to the best of their ability with Maximum Accuracy. I have never been late on payments account with XXXX XXXX XXXX - XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided I demand these payments be updated to on time as they should be as I never late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
remove fraud item- XXXX XXXXXXXX XXXX they are violating my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: VA

Complaint narrative:
After a recent inquiry about my credit report I noticed that the information on my account was inaccurate, invalidated, and that the agencies were not reporting with 100 % accuracy. This has caused me to have XXXX XXXXXXXX and is affecting my mental well being. 

XXXXXXXX XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in Transunion, XXXX, and XXXX. XXXX XXXX is the date account opened which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Transunion report ( XX/XX/XXXX ). Second Flaw is the number of terms reported on the account which differs from the Transunion and XXXX ( XXXX ) from the XXXX report ( XXXX ). Third Flaw is the payment status report which differs from Transunion and XXXX ( Late 120 Days ) from XXXX ( Late 150 Days ). Fourth Flaw reported was the date of last payment reported which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). The fifth flaw is the date last active which differs from all three credit agencies Transunion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). The last and final flaw is the date of last payment which differs from Transunion and XXXX ( XX/XX/XXXX ) from XXXX ( XX/XX/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 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.

I have tried to communicate to the companies involved through the BBB otherwise known as the Better Business Bureau and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects my mental health, sanity, and well being.

I demand this account be removed off my credit report due to the laws stated above for the inaccuracies, misrepresentation, and questionable items on this credit account.

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 2023-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LOANCARE/XXXX  XXXX At the end of XXXX I purchased my home and property. The first payment was due XX/XX/XXXX. The payments were set up electronically to come out of my wife 's account at XXXX XXXX. All payments were made and made on time. During the pandemic a forbearance program was offered to us and we took advantage as the program seemed beneficial. I later found out by calling the company with questions that they only showed one payment EVER being made and that they were attempting to get in contact with me. So after being in the forbearance program for many many months it now shows as a rolling late and has ruined my credit. I confirmed that they had the wrong phone number, mailing address and email on file. I explained that ALL payments prior to starting the forbearance were paid on time. I also asked why they wouldn't have informed me that there were any payments that showed unpaid. After attempting to get answers and following their direction to send proof of payments in which took 3 different times mailing and also faxing, I wasn't able to gain any ground with them. In the meantime the forbearance had to be extended multiple times for them to review the documents that according to them takes 45-60 days. I was told that they received the documents then after not hearing anything for 60 days I called back and was told they do not have any documents.This happened multiple times. They were sent certified mail. The stress level has been unbearable as we are about to lose our LIFE home. The have demanded all payments which at time time was over {$130000.00} and is much higher now. We have hired an attorney that has drained my savings account and he has now had any cooperation either. I have even attempted sending a payment in as I was advised and it was returned.At this point I am extremely concerned that we are losing our house because of someone else errors. I really would like to know where our payments went. This is our home and our investment. It has been almost two years and my wife and I had to put off a new roof and other much needed repairs due to the not knowing. As you can imagine we now have water damage because of the delay 's and other issues. There are of course more time-lined details we have recorded when needed. Our attorney was able to move the Trustee Sale Date to XX/XX/XXXX at XXXX XXXX. 

Thank you in advance, 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 2023-07-05 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 non-monetary relief
Consumer complaint received 2023-07-05 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: LA

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. 
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 2023-07-05 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: IN

Complaint narrative:
As a victim of Identity theft I have asked XXXX and Experian to block this information. I have sent over three times id theft affidavit, FTC theft report, Police report showing the thief was arrested for using my information and showing I never lived in Georgia police report clearly states they arrested victim that lives at XXXX XXXX XXXX and that I contacted them from IN to let them know that wasn't me. She has been arrested three separate times for using my identity and charged with false information to police officer. Her ID in GA shows a different height XXXX  inches shorter than my license and XXXX  thinner .I have submitted all this documentation to both credit reporting agencies Three different times with only small results XXXX did there research and removed all items I'm asking that XXXX and Experian do there research and block these Items as well I can fax over all documentation needed it's only allowing me to upload one document

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 2023-07-06 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: LA

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 reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed numerous ftc reports for fraudulant account and addresses on my credit report and nobody will help me get this removed.

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 2023-07-06 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: SD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX AccountXXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX  XXXX Auto Loan 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 1618 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it Alison states a consumer reporting agency can not furnish an 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 2023-07-07 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: 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. 

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