vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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.

1. This inquiry was made without my knowledge or consent. 
XXXX Date of inquiry : XX/XX/XXXX Please delete from my credit file immediately 2. This inquiry was made without my knowledge or consent. 
XXXX Date of inquiry : XX/XX/XXXX Please delete from my credit file immediately However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Hello my name is XXXX and I have been a customer of cashapp for almost 3 years I have made many attempts to contact them and have not received anything substantial from them I have attached my account transactions. I want to know where my money is being held and why I cant ever purchase anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: FL

Complaint narrative:
On XX/XX/2023 I had submitted a dispute to transunion and upon transunion investigation the results came back accurate today ( XX/XX/2023 ). How can the results be accurate? When my whole payment history is missing on my XXXX XXXX XXXX. account on my credit report especially when this account is a Charged off account. But Transunion has put it as a satisfactory account which it is not. Transunion have not done a THOROUGH INVESTIGATION and Transunion have not contacted XXXX XXXX XXXXabout this account so that it can be deleted. This account is not completely accurate as stated in your previous investigation. Therefore according to the FCRA and 15 U.S.C 1681 this account needs to be deleted immediately.

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 2023-12-08 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: FL

Complaint narrative:
There are accounts that I noticed on my credit which I did not do. I never authorized them or made applications for the accounts below : XXXX XXXX XXXX acc # XXXX XXXX XXXX accoun # XXXX XXXX XXXX Accont XXXX XXXX I contacted the credit reporting Agncy with a request for validation and investigation, which was ignored.

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 2023-12-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was checking my most up to date credit report, and noticed some fraudulent accounts are still present. I sent out a letter to all 3 major credit bureaus, Experian, XXXX, and XXXX, demanding that these accounts be removed. All 3 credit bureaus received said letter on XX/XX/2023. On my XXXX XXXX account, XXXX and XXXX removed the fraudulent accounts. However, I noticed that the XXXX and XXXX portion on my Experian account is still shown. As stated in the letter sent, section 609 ( a ) ( 1 ) ( A ) of the fair reporting Act clearly states, " that ALL credit bureaus are required by federal law to verify, through the physical verification of the original consumer contract, ALL accounts that you post on a credit report. '' It has been over 30 days since Experian received said letter, and those fraudulent accounts have NOT been removed. Nor have they attempted to reach out to me. Experian removed them, but again, NOT from the XXXX and XXXX side of my Experian 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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Essential Lending Inc
State: TX

Complaint narrative:
Company is reporting inaccurate, inconsistent and non compliant information of XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: SECURITY FINANCE CORP
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. I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from SECURITY FINANCE on my XXXX ACC Name/numberXXXX XXXXXXXX XXXX # XXXX on all 3 credit reports XXXX XXXX # XXXX # XXXX # XXXX on XXXX and XXXX report XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently received a copy of my credit profile there were incorrect addresses, phone numbers, several missed spellings or just plain incorrect spellings of my name

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 2023-12-08 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: FL

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 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, 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 2023-12-08 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: FL

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 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, 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 2023-12-08 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: NJ

Complaint narrative:
Since XX/XX/XXXX, My XXXX  and I discovered some accounts on our credit report that did not belong to us, we I did not open any of them, since then we have been dealing with an issue with Identity Theft. On XX/XX/XXXX, we individually to started to dispute these accounts with the Credit Bureaus, after a few months, on XX/XX/XXXX, we went to file an Identity Theft Police Report, after a few weeks we got the report, since then I have been disputing these accounts over and over with the Bureaus, unfortunately, there is still an account remaining that for some reason the Bureaus refuse to remove, even that I have that account listed on the Police Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I closed my secured account with capitol one on XX/XX/. They sent me a check in the mail for {$200.00} it got destroyed and I asked for another one and they said that they could not find my account and still owe me {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services : XXXX I asked for validation of debt when it appeared on my credit report on XX/XX/2023. I did not receive any validation of debt. I did however receive a text message. I did not receive in the initial communication ( the text message ) the collection disclosure. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please see attached message. Please see attached request for validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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:
Company is reporting inaccurate, inconsistent and non compliant information of XXXX and Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: TX

Complaint narrative:
Company is reporting inaccurate, inconsistent and non compliant information of Experian and 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 2023-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc.
State: KS

Complaint narrative:
I have notified Merchants Adjustment Service that the referenced debt they are attempting to collect is the result of identity theft. I requested proof that the debt is mine, including proof of the identity document ( s ) provided to the original creditor as well as a SIGNED contract of agreement to pay to the original creditor. MAS only provided a printed sheet from their database with generic information. MAS did not provide any proof that the debt belongs to me. MAS did not provide any documentation that the debt was originally mine either. 

I continue to dispute this balance on the claim that it is the result of identity theft. I have attached the FTC Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX on behalf of Wells Fargo, contacted by letter dated XX/XX/XXXX, for date of incident XX/XX/XXXX. Reference number : XXXX for a resolution. 

However, XX/XX/XXXX, I was interacting with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Financial Officer XXXX XXXX XXXX regarding. an unrelated financial matter with a government state agency and also my Florida state representative for constituency services. The Department of the Treasury operates and maintains systems that are critical to the nation 's financial infrastructure, such as the disbursement of payments to the American public and revenue collection. The Department of the Treasury includes *Managing government accounts and the public debt, * Managing Federal Finances ( Fema ). 

I was interacting with the above before and after XXXX. In XXXX, I also cashed a check at Wells Fargo, location on XXXX XXXX XXXX XXXX, XXXX for the amounts over ten-thousand dollars that was forwarded from the XXXX XXXX XXXX st employee escorted me to me car after the check was cashed. I was told they provide escort to customers that exit the building with cash over ten thousand dollars. 
I am perplexed as to why XXXX on behalf of Wells Fargo reached out for a matter pertaining to 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 explanation
Consumer complaint received 2023-12-08 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: KS

Complaint narrative:
I found this account opened in my name in XXXX, XXXX  closed it and then provided a 1099 showing I wasn't liable for the amount. 

Despite this, it has remained on my credit hurting it. I eventually paid the amount despite it not being mine ; however, XXXX  is still reporting it on my 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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax Why have I received another letter from your company stating that the accounts listed below were verified? 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX | XX/XX/XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX  | XX/XX/XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

You told me to contact the furnisher and I did. You told me to go to the original source and I did, but they are not doing what they are supposed to do. Im getting quite stressed here. Im really thinking about contacting a consumer rights attorney to protect my rights because your company and the creditors are not investigating and reporting data 100 % accurately. There are credit reporting laws put in place to make sure your company is doing their job. Thats right I read this on the FTC website. I wont be a victim anymore. Im telling you that Im ready to move forward with this matter. I will do whatever I have to do if the above accounts are not fixed. 

Im asking your company to do the right thing so this issue does not end up my attorneys office.

CC : CFPB, FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Notice for Request for Documentation of Legal or Equitable Chose in Action and Immediate Deletion Dear XXXX XXXX and all Representatives of Portfolio Recovery Associates, Sent via fax # XXXX Sent via Mail # portfolio recovery associates XXXX XXXX XXXX, XXXX, VA XXXX Sent via Email @ XXXX I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXX, last ssn XXXX XXXX XX/XX/1983 Your company has been illegally using my personal property In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : 1. Copies of any contracts, agreements, or instruments related to the chose in action.

2. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics.

3. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements.

4. Pertinent correspondence, communications, or notices related to the chose in action.

5. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 days. If the full documentation is not confirmed I demand full deletion of any accounts under the trust property under XXXX XXXX XXXX from the XXXX credit bureaus as well and send full proof of the completion. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter. 
Sincerely, By : XXXX ; XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation