vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc
State: UT

Complaint narrative:
A collection for {$2600.00} appeared on my credit report from JJ MARSHALL ( Original Creditor : XXXX XXXX ) when I filed for a mortgage on XXXX and I do not owe this company because as of a divorce decree I was forced to move out XX/XX/XXXX, I went to the XXXX 's office and turned in paperwork stating that I was moving out and XXXX accepted it, I paid a small amount that day. I found out through a credit report pull they had put an eviction on my rental credit report and they claimed I owe {$2600.00} debt from a XX/XX/XXXX eviction. I have never been evicted and I do not owe a debt. I did not have a lease with them after XX/XX/XXXX after the divorce. I called JJ Marshall to find out what I need to do because of the identity theft, an ex spouse was renewing the lease with out my knowledge, yet XXXX knew I was removed from the lease. I was told by the collection company employee on XXXX she would need a police report to help me. I filed a police report XXXX with XXXX XXXX Sheriff 's Office police report # XXXX in order for this collector to review the case that this is not my debt and she even marked my file as " No Contact '', I did not tell her to do this, but then told me to call back the next day to speak to a manager. She was rude to me on the call. Then when I called today XXXX a man told me the manager was off and she was wrong. Also that I had to email him and he would contact me back right away if I wanted to talk to him, again he was rude and short with me, all I have been trying to do is talk about what I need to do to get this resolved and removed. I sent him the email to the email they gave me XXXX. I just want this resolved I don't need someone being rude to me, and then telling me " respect is a two way street '' and then talking over me. I sent the recorded call to my loan officer and she told me to file a complaint. It is not my account and they are hurting my credit, but they are also ignoring my dispute or lying to me. I requested a deletion letter in the email so they would notify the credit bureaus or I can. I am not about to pay a debt when I did not live there and I was never evicted. I was also never notified about this collection or this would have been handled right away.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: NY

Complaint narrative:
My name is XXXX 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 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Best Buy owes me a total of {$4200.00}. Ive been trying to get my refund since XXXX and have not had any help from the representatives. They claim they sent a refund to my checking account, when in fact they actually withdrew the money. They requested copies of my bank statements as proof that I did not receive the funds. I have provided to them but they still wont issue my refund.

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 2023-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
CashApp is horrible in their security and support. I have had this issue of fraudulent attempts on my account for MONTHS now. 


The answer? 


BUY ANOTHER CARD even though the attempts on my account ARE NOT ON MY CURRENT CARD... THEY ARE ON AN OLD CARD THAT I HAVE NOT USED IN YEARS!!! 

Their level of support is horrendous, and the ONLY REASON I haven't been charged is because I always have my card locked because I know how horrible CashApp is ( and their support online ). 


I have screenshots upon screenshots of attempts to take XXXX here, XXXX cents there ... and even {$5.00} and change at one point. THIS IS THE SAME COMPANY THAT WANTED ME TO USE THEM FOR DIRECT DEPOSIT?!?! WHY?!?!? So I can have my money unsecured???? 


CHANGING MY CARD WOULD NOT FIX THIS ... AND WHY WOULD I HAVE TO PAY TO CHANGE MY CARD ANYWAY???? 


THEIR COMPANY IS XXXX XXXX XXXX  use it as a XXXX XXXX.. that is it and that is all. 


They have no REAL support... just humans acting as robots giving a script that has NOTHING to do with fixing my issue. 


CASHAPP IS ALLOWING FRAUD TO RUN RAMPANT WITH NO SOLUTION. When I 1st notified them, I wanted them to be aware of it and bring it up to a security team or upper management... the rep said " since no cash has been taken out, there is nothing to do '' ... 2 to 3 months later and I am still having attempts on my account ( not card because it is a different card number ) and they still refuse to look into the matter. They just keep sending the same scripts about locking my card or BUYING another card to replace this one ( even though once again it isn't even the card number they are using to get to my account ). 

I have spoken to MULTIPLE representatives and they all spew out the same script ... the preset responses they have which are the same verbage but yet has no solution to what I was telling them my issue was ... which was to bring this up to the security/fraud department and upper management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$37.00}

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$37.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
This is my 2nd complaint asking Flex to update my XXXX credit report information because Ive made payments all this year ( XXXX ) but my XXXX credit report only shows one payment for this year XXXX and thats XX/XX/XXXX XXXX Flex is not going to update or report all my payments, Im asking that they refund me the monthly service fee of {$14.00} for each month they have not reported/updated/reports/update my XXXX credit information which would totally {$100.00} for each month that has not been reported ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22 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: PA

Complaint narrative:
XXXX XXXX Date Opened : XX/XX/XXXX  Amount Owed : {$150.00} I have checked my credit report and I seen an account that is not mine. Experian is the only credit bureau reporting this account. I have a screenshot of all the credit bureaus side by side and Experian is reporting an inaccuracy. By the provisions of the Fair Credit Reporting Act, I demand that this account be investigated and removed from my credit report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days.

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 2023-09-22 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: PA

Complaint narrative:
My name is XXXX 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 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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had 3 credit cards with capital one. I have never once been late on a payment but in the past 6 months after a separation and chronic illness, i had multiple situations where my identity was comprised and my card was used without my knowlede. I reported all of these to Capital One immediately. I am a fully XXXX person and do the best I can. I had an issue with a XXXX XXXX XXXX a few weeks ago and they emailed me a verbally harassing email ( which I am not going to go into ) thinking I was trying to scam them but it turns out it was simply a misunderstanding. They did however report something to my bank and then my accounts were closed. I have no idea what would have happened. 

I called capital one last week and was told i could apply again, which I did and was immediately accepted for a new account. 

This was also closed, killing my credit rating. 

I want to repoen these accounts or just one, the last one opened and have another chance to be a cilent. I can prove that my identity was compromised and as a XXXX person it is prudent that I have a card like this. 


thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: MD

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX 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 2023-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I repaired my wife 's bosses roof since the first guy he paid to do it messed it up even more. Well when I finished the banks were closed and he said all he had was venmo he could pay me through that so I downloaded the app and he sent me the {$500.00} went through without a problem but then I tried to link my bank and debit card to get the money out and it said that bank was not accepted so I bought but to transfer to my account in which they said that it would take 24-48 hours to verify my identity and everything so my wife 's cousin said she also had venmo I could send it to her and she would pay XXXX  I went to sell my XXXX back and then was notified that it would be 5-7 days before I was paid for the XXXX which every single other platform I ever sold on was instant so after that I got a notice on my account that it had been suspended for suspicious activity. I asked in live chat what it was for and what was suspicious when they took my money in 6 secs to pay for the XXXX but 6 days to pay it back they could not give a a straight answer so the next day i called them only to be told tjay the department of specialist that was handled my case could only be reached by email and had no phone amd that they did not have access to why i was suspended i had to wait for emails that took 3-7 business day for a response each time then i got a email from the so called specialist that my case had been escalated to some other specialist and that they would email me in 7-10 business days. So now I am a week into this with still no answer or reason as to why I can't access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: PA

Complaint narrative:
Preferred Lease XXXX Date Opened : XX/XX/XXXX  Amount Owed : {$2400.00} I have checked my credit report and I seen an account that is not mine. Experian is the only credit bureau reporting this account. I have a screenshot of all the credit bureaus side by side and Experian is reporting an inaccuracy. By the provisions of the Fair Credit Reporting Act, I demand that this account be investigated and removed from my credit report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Two charge off accounts are reporting a balance which Is against the law considering those two accounts are not mine. 
XXXX  XXXX account ending in XXXX And XXXX XXXX a 3rd party for XXXX  XXXX. There not my accounts I never opened those accounts. I'm very ill and this is only causing me stress and making my XXXX XXXX worse

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