vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: OH

Complaint narrative:
I am writing to formally dispute the reporting of late payments by XXXX XXXX on my credit report for the months of XX/XX/2021, XX/XX/2021, and XX/XX/2021. I believe the reporting of these late payments violates federal laws, including provisions under 15 U.S.C. 1666b and the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of these entries for the following reasons : 1. Violation of 15 U.S.C. 1666b Under 15 U.S.C. 1666b, creditors are required to apply payments in a timely manner as long as they are received by the due date and meet the creditors reasonable payment requirements. Any deviation from this standard constitutes a violation of the law. I believe these reported late payments were either inaccurately recorded or improperly processed, as no evidence has been provided that justifies this reporting.

2. No Requirement to Report Transactions There is no federal law mandating that creditors report transactions, including late payments, to credit reporting agencies. XXXX XXXX  decision to report these late payments is discretionary, and I have not provided consent for my payment history to be shared with third parties. By reporting this information, XXXX XXXX has violated my privacy rights. 

3. Violation of Privacy and Lack of Consent Under the FCRA, reporting of personal financial information must be accurate, fair, and transparent. In this case, XXXX XXXX has reported my payment history without obtaining explicit consent to share this data with credit bureaus. This constitutes a violation of my privacy rights. I did not authorize XXXX XXXX to share this information, and I demand that it be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: AZ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 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 2024-12-23 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: AZ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 2024-12-23 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: CA

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: Blockchain.com, Inc.

Complaint narrative:
I have has an account with Blockchain.com for several years and sold all my crypto in early XXXX. I want to now transfer the cash in the account to my bank account. I have used the on line chat 7 times and was told to pay in more money to create a link. My bank account appears on my dashboard in the app but wont work. 

Subsequent chats have tried various things but no help I then submitted a complaint but all I receive is an email saying I have not responded to their email so they are closing the ticket Now I can not log into my account and I am getting no response to the tickets. 

I just want my cash of XXXX pounds sterling into my XXXX or my US bank account. Happy to close the account when I have my money. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NJ

Complaint narrative:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
do not have a capital one credit card so I don't know who would be the one who did

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information. Please correct the item below : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC

Complaint narrative:
On XX/XX/XXXX, payment of {$140.00} was made through my XXXX XXXX Destiny credit card through my connected bank account and debit card. The correspondence address for Concora Credit, the issuer of the Destiny credit card, is : Concora Credit : XXXX XXXX XXXX, XXXX, OR XXXX You can also contact Concora Credit by calling the toll-free customer service number on your billing statement. The customer service number is XXXX. You can fax documents to Concora Credit at XXXX. To notify Concora. 
All my payments come back from this company as " PROCESSED ". 
What does processed status mean? 
Processed Status means that an Order has been submitted to the Website and payment has been received. All my payments from the company are processed. Money taken out of bank and paid in full. Not payment pending or processing. If my payment is processed my worries not given notice of any delays or time it may take to actually process doesn't state this during my payment and those finds are taken. It so happened that the company rationalizes intakes 2 to 5 days for processing. Stated it not say processing or payment pending. Explaining the definition and legality over years of vague word in Courts big difference in processing to processed. They hit me 3 days later was NSF from the XX/XX/24 and no notice hit NSF aa second time NSF on XX/XX/24 that payment was not processed. Explained the language they interpretation is incorrect by representative and supervisor they acknowledge the word meaning wrote it down, stated will make note of this and told them get rid of the negative impact on my credit report for their error for not informing me that it was not processed after all and charge twice for NSF is not my error. Once the credit card stated processed my obligations to any third party, bank, credit card company is moot. 
What is an example of falsification? 
Falsification is the act of deliberately misrepresenting or lying about something. Here are some examples of falsification : In research Altering data, misrepresenting results, or fabricating sources of information. For example, a researcher might falsify the results of an experiment to make it look like they got the correct results. 
In academia Unauthorizedly altering or creating information, such as documents, images, or data. 

If knew there was no payment, payment pending or payment processing it would in my world of realistic laws and definitions not be happening to customers or consumers. 
What does falsifying documents mean? 
Falsifying documents is the act of intentionally modifying or altering a document to deceive someone. It can also include passing on documents that are known to be false. Falsifying documents is a white-collar crime and can be part of a larger scheme to obtain financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : Account name : JPMCB CARD Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: OR

Complaint narrative:
I am writing to express my deep disappointment and frustration with your bureau 's failure to address my disputes regarding inquiries on my credit report. These inquiries, which I have formally disputed, have already been reviewed and deleted by the other major credit bureaus after determining they were invalid. Despite this, Equifax has not taken the necessary steps to remove them, leaving me feeling disregarded and unheard. It is unacceptable that your bureau has yet to act on these disputes, even after providing all required documentation to substantiate my claims. This inaction not only reflects poorly on Equifax 's commitment to accurate and fair credit reporting but also undermines my efforts to maintain a clean and accurate credit profile. 

The lack of consistency and responsiveness from Equifax in addressing this matter is both frustrating and disheartening. As a consumer, I expect the same level of diligence and fairness from all credit reporting agencies. Your failure to mirror the actions of the other bureaus demonstrates a lack of accountability and respect for your obligations under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: DISCOVER BANK
State: FL

Complaint narrative:
I have had my rights violated consistently with Discover Bank. The Account # XXXX is listed as a charge-off with the designation Profit and Loss Write-off by Grantor. Based on my understanding of the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), I believe this information is being inaccurately reported. If this account was indeed charged off as a profit and loss write-off, I should have received a Form 1099-C from your institution, as required by IRS regulations for reporting the cancellation of debt. However, I HAVE NOT received such a form. This suggests one of the following : The account is being inaccurately reported to the credit bureaus, which is a violation of FCRA Section 623, Or Your institution has failed to report the charge-off correctly to the IRS, which could potentially indicate fraudulent activity. Under the FCRA, you are obligated to ensure that all information you report is accurate, complete, and verifiable. If this account is listed as a charge-off in your internal financial records, the information on my credit report must align with the way it is filed with the IRS. 
Inconsistencies between these records are a clear violation of federal regulations. 
This inaccurate reporting has severely impacted my ability to obtain new credit and caused undue harm to my financial standing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: AZ

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit 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 2024-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: LA

Complaint narrative:
I disputed XXXX  transactions I made with my cash app card from the same merchant. The merchant sent out an email to everyone who purchased products from her letting us know that we would not be receiving the products any longer and she would refund the money to us on XXXX. I made XXXX seperate purchases 1. XX/XX/year> for {$69.00}, 2. XXXX for $ {$87.00}, 3.XXXX for {$500.00}. This was supposed to start in XXXX its now starting in XXXX and in her email she said she wont work for free so she advised us to request a refund through bank and then once we get our refund will send us a coupon code for 50 % off to repurchase mentorship if we would like. 
I sent cash app the communication directly from the merchant that shows that her account with square has been XXXX and she can no longer process refunds, so she advised all people who made purchases before XX/XX/XXXX to request a refund through our bank because she could no longer send them and they had a hold on her account for 120 days. I submitted them the exact email from The merchant that explains this, along with the the letter from her processing company ( square ) that proves what she has told to us that she included in that email. Cash app denied all XXXX disputes and gave no reason but the purchase were made accurately and the merchant fulfilled their obligations even though I havent received the products and services and have provided emails directly from the merchant that shows she will not be providing the services and products, and the only way for us to retrieve our refund is to dispute. Cash app is a square company and that is also the merchants processing company and I believe and so does the lawyer I just hired believes they denied the dispute even with overwhelming evidence because it is with their own company. I was advised by my lawyer to file this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: AZ

Complaint narrative:
These accounts are fraudulent and should be removed from my credit report, as I did not open them and was unaware of their presence. Pursuant to USC 1681g, I request their deletion within 15 days. The required supporting documents are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: AZ

Complaint narrative:
These accounts are fraudulent and should be removed from my credit report, as I did not open them and was unaware of their presence. Pursuant to USC 1681g, I request their deletion within 15 days. The required supporting documents are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Unfair Blocking of Zelle Account Details of the Problem : I was unfairly blocked from using my Zelle account, which I primarily use for legitimate transactions such as paying rent and transferring money to my family ( my parents and sister ). Below is a detailed account of what happened : 1. I had an issue with XXXX XXXX XXXX that caused my phone service to be disconnected. This prevented me from receiving verification codes via text to access my Zelle account. 
2. During this time, I was moving to a new place and needed to pay my rent using Zelle. I attempted to use my email address to log in, but it didnt work. 
3. I eventually resolved the issue with XXXX XXXX XXXX after filing a complaint with the FCC ( I have email correspondence to verify this ). 
4. Despite resolving the phone issue, my Zelle account was blocked a week later without any clear explanation. 

Since the account block, I have made multiple attempts to resolve the issue with both Zelle and my bank, including : Calling and visiting my bank multiple times. I most recently visited the bank in person 4 days ago to try to resolve the problem. 
Communicating with Zelle support via direct messages and emails, but I have not received a clear resolution. 

The block has caused significant disruption to my life. My Zelle activity has always been normal and within their terms of service. 

Attempts to Resolve the Issue : I have spoken with my bank and Zelle support multiple times. 
I sent an email directly to Zelle explaining the situation. 
I have direct message correspondence with Zelles support team. 
Despite all these efforts, the issue remains unresolved. 

How This Has Impacted Me : I was unable to pay rent on time during a critical period of moving to a new residence. 
This ongoing issue is causing stress and disruption in my daily life, as I rely on Zelle for routine and essential financial transactions. 

Requested Resolution : I respectfully request : 1. A thorough review of my Zelle account activity to confirm that it complies with their terms of service. 
2. Immediate reinstatement of my Zelle account.

3. A detailed explanation of why my account was blocked to prevent this from happening again. 

Supporting Documents : I am prepared to provide : Email correspondence with the FCC and XXXX XXXX XXXX regarding the phone line issue. 
Proof of communication with Zelle support via email and direct messages. 
Bank statements showing typical Zelle transactions.

Company response to consumer: Closed with explanation