vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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: CA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT 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 15USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681 s-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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted an affidavit to the credit reporting agency back in XX/XX/2021. I never got any response from them regarding the affidavit and will attach supporting documentation submitted. Since there was no response then the credit reporting agencies are now in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: IL

Complaint narrative:
I submitted an affidavit to the credit reporting agency back in XX/XX/2021. I never got any response from them regarding the affidavit and will attach supporting documentation submitted. Since there was no response then the credit reporting agencies are now in default.

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 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Someone stole my personal information to open several credit card. I found out with Experian immediately. All the credit card closed without payment request but one with My XXXX XXXX Credit Card with XXXX XXXX. I called several times with XXXX XXXX  but XXXX XXXX  said there is no credit card opened with my SSN. I was so confused so I had to contact with Experian several times with dispute department but never succeeded. Now, because no one paid this credit card, XXXX XXXX credit card with XXXX XXXX  kept sending statement asking for past due. I can't give this because it was never me and I reported both bank and Experian immediately and several follow-up.

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 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
My account was closed without notifying me and when I tried calling no one could give me details as to why. Ive asked multiple times to speak with a supervisor and I was denied that by every representative I spoke to on the phone. Before I noticed my account was closed, they made be order a new debit card and I did. Two days later I tried to use the temporary debit card they had gave me on the app and it declined for unusual activity. Thats when I contacted customer service but I was told my account was closed and they couldnt provide me details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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:
Credit Reporting Agencies is reporting a late payment for XXXX XXXXXXXX XXXX and a payment was not due. See Attached. 

Credit Reporting Agencies is reporting a late payment for XXXX and the payment was made on time. The payment was not late. See attached, XXXX XXXX XXXX was not ever late. 

XXXX XXXX failed to produce signed credit card application bearing my signature and photo identification. They reported errors on this account every day for thirty days. They failed to properly authenticate that opened this account. Credit Reporting Agencies fail to remove the bogus account and to cease any erroneous reporting by them.

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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I called Experian, XXXX, and XXXX to dispute incorrect and inaccurate personal information in my credit file, causing serious risk to the security of my personal information/identity, including my credit report ( s ) being mailed to inaccurate addresses. 

With Experian and XXXX, I verbally confirmed my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted, with an updated copy of my credit reports mailed to my current address after corrections and/or deletions. 

With XXXX, I verbally confirmed all my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted. I also verbally verified the time it would take for the updates, was provided confirmation numbers for each item ( i.e., name, address, phone number, employer ) and requested an updated copy of my credit report mailed to my current address after corrections and/or deletions. 

Attached are documents showing the only, and 100 % correct, personal information that should be on my credit reports, with notes of corrections and/or deletions from the verbal conversation written on each. 

On XX/XX/2022, I viewed my credit reports from Experian, XXXX, and XXXX online, and my personal information section still contains inaccurate, incomplete, and outdated personal information, putting the security of my personal information/identity at severe risk.

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 2022-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
CKS PRIME INVESTMENTS PURCHASED ACCOUNT : from Iriginal Creditor AMOUNT : {$1000.00} DISPUTED SEVERAL TIMES in recent months using reputable credit repair method, and online major credit company platforms, and in rotation to date for repeat dispute which no verification or validation of method. Company instead sends debt validation method with requests of me sending validation criteria. 
Also reports false information, multiple Non Compliant discrepancies including above mentioned balance. To imply {$1000.00} would mean secured past {$1000.00} credit lines or amount is reporting in excess of true details.

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 2022-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Im XXXX I returned a car because I originally thought I co-signed it for a friend, well turns out I signed for it. And the friend stopped paying on it so I returned the car. In XXXX they started the warrant in debt and garnishment cases every year but never received any money. I had accepted a job in XX/XX/XXXX but never started. They sent me 2 court summons within the past week for XXXX of XXXX. Its way past state limitations and its off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The companies that report to my credit account has tremendous stress in my life! Its causing me some serious damage to my well being! My finances and XXXX XXXX are in shambles because of this! They broke the law when they reported the amounts without notifying me first of any sort and as a result Im unable to purchase anything because of these reports! 
All documents where sent XX/XX/2022

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 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
XX/XX/2022 I got a bill from XXXX stating I owed them {$470.00}. I had done no business with them so I contacted them and told them some used my name Please stop the account immediately. They did nothing so the thief charged {$3000.00} more in XXXX. I kept calling them and had enter a fraud case which is # XXXX. At the {$470.00} point they had XXXX  XXXX  try to get me to pay. Then XXXX XXXX attorney at law llc and now the worst AmSher who calls and I have told them over and over it is not mine and returned a slip they sent on XX/XX/2022 disputing the debt. XXXX sent me 2 copies of what someone ( not me ) owes in XXXX claiming I requested them which I did Not. Please get XXXX and their collectors to leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: AL

Complaint narrative:
I opened cash app account a couple of weeks ago I just got debit card in mail I'm now without minutes on my phone I had to order a new XXXX XXXX XXXX card cause mine was lost for ,4 days we have been without food this card has XXXX on it and we need it I don't have the phone attached to it the debit card number attached to it but I got a new XXXX XXXX card and a XXXX XXXX XXXX number I've sent cash app copies of everything and they just ignore me let them go hungry 4 days see how they feel,!! Please help me I will send u anything u need. Thank I so much I'm glad I bumped in to u. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: CA

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. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX  XXXX # XXXX Account name : 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. And i have filed police report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On XXXX XX/XX/XXXX, PNC sent Thank You note to my home address for opening three accounts ending in XXXX, XXXX, and XXXX. I did not open these accounts. So, I called PNC at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to alert them to minimally a customer care issue assuming these are legitimate accounts, or potential fraud in the event they are not. 

I followed up with PNC on XX/XX/XXXX at XXXX XXXX  XXXX and was directed to XXXX XXXX XXXX XXXX by XXXX. PNC said that they could not legally give me any explanation. They said that if it was in error for a legitimate business event, the account owner would eventually call in and correct. 

This leaves assurance that no fraud associated with any of the personal SSNs, or business EINs associated with this address unanswered. PNC assured me there was nothing more they could do for me. I asked for address that I could send a certified letter confirming I had alerted PNC to the potential fraud. They were not able or willing to accommodate me on that. So, I am notifying CFPB to the fact that there is potential fraud on three accounts at PNC.

Please provide direction if there is more that I should be doing to alert appropriate authorities to minimize losses to myself, members of household, my heirs, or estate as well as everyone who has a financial relationship w PNC.. 


Kindest Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit Reporting Agencies is reporting a late payment for XXXX XXXX XXXX  and a payment was not due. See Attached. 

Credit Reporting Agencies is reporting a late payment for XXXX and the payment was made on time. The payment was not late. See attached, XXXX XXXX XXXX was not ever late. 

XXXX XXXX failed to produce signed credit card application bearing my signature and photo identification. They reported errors on this account every day for thirty days. They failed to properly authenticate that opened this account. Credit Reporting Agencies fail to remove the bogus account and to cease any erroneous reporting by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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:
Credit Reporting Agencies is reporting a late payment for XXXX XXXX XXXX  and a payment was not due. See Attached. 

Credit Reporting Agencies is reporting a late payment for XXXX and the payment was made on time. The payment was not late. See attached, XXXX XXXX XXXX was not ever late. 

XXXX XXXX failed to produce signed credit card application bearing my signature and photo identification. They reported errors on this account every day for thirty days. They failed to properly authenticate that opened this account. Credit Reporting Agencies fail to remove the bogus account and to cease any erroneous reporting by them.

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 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I reviewed my credit report and notice that there was a derogatory mark on my report from Credit Collection Services which was placed on XXXX. Many of my rights have been violated by said company. Pursuant to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I, XXXX XXXX did not give this company notice or permission to contact me on this alleged debt. 
Furthermore, this company has contacted my cellphone without my permission multiple times throughout the day which is harassment. Pursuant to 15 USC 1692d ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$2500.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$2500.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$2500.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: FL

Complaint narrative:
The law has been printed and made clear but the credit bureaus are not following them. Are they above the law? Transunion is in clear violation of my rights and not abiding by the following law : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information Transunion has an ENTIRE section of adverse information reporting on my consumer report that is causing financial harm to me as a consumer and is inhibiting how I navigate through commercial sector of life. I have included the most recent credit report from Transunion so you can see the direct violation of the law stated above. 

I hope the CFPB acts in good faith and governs Transunion accordingly.

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 2022-11-21 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: FL

Complaint narrative:
I have been trying to remove inaccurate information from my credit reports, there are inquiries on my report that do not belong to me in regards to inquiries for automobile loans. 

The following inquiries that are inaccurate on my credit reports : XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX-TransUnion-XXXX XXXXXXXX XXXX XXXXXXXX XXXX-TransUnionXXXX  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-TransUnion, XXXX XXXX I have resolved this account, please have XXXX XXXX remove this negative item from my credit report XXXX Thank you XXXX XXXX XXXX TransUnion XXXX XXXX XXXX they claim that I have made late payments before, but that is inaccurate, I have requested them to correct this several times and they keep saying they will, but to date they are still showing my late payments on my credit reports.

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 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
When I opened my XXXX XXXX account, I noticed there was a credit card opened in my name from American Express. I have never applied for or opened a card with them and do not have possession of the credit card in question. XXXX XXXX informs me it was opened in XXXX XXXX XXXX It has never had any charges on it and it has a credit limit of {$8000.00}.

Company response to consumer: Closed with explanation