vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have spoken to this company several times during my hardships because of Covid. They indicated to me that my report could be corrected regarding the late payments. My report is showing 60 days past due which it is not. I feel since I had discussed my situation with the company and accommodations were made, under the Cares Act I should have some protection from this. Not only have this negatively affected my credit tremendously, it has made it impossible to receive any financial assistance to help my situation.

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 2022-04-27 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: NJ

Complaint narrative:
An accordance with the fair Credit Reporting Act XXXX  Accounts # XXXX XXXX XXXX bank ss, XXXX XXXX Auto XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX Card Acct # XXXX, has violated 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 account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: NJ

Complaint narrative:
An accordance with the fair Credit Reporting Act XXXX Accounts # XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX Card Acct # XXXX, has violated 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine and Weiner on behalf of XXXX XXXX XXXX. 

I have disputed this debt several times. With the credit bureau, collection agency- Caine and Weiner and XXXX. 

It was determined by XXXX that I was being double billed for auto insurnace. 

I called XXXX in XX/XX/2020 to advise them that I wanted to cancel service as I've gone with XXXX. They assured me that was fine and all was good on their end. Fast forward to now, I am in collections for the supposed amount. 

I called XXXX again XXXX calls in the past month to have this resolved with no remedy. They advised that, all I needed to do was submit proof of my coverage with XXXX and they would take the necessary action of which I have twice. They have not and neither has Caine and Weiner. 

I will call XXXX yet again this evening to follow up. But it's absolutely frustrating that after all of my attempts and proactively, it's still on my credit although it shouldn't be, as I do not owe them anything. 

I do not have the time to spend hours upon hours on the phone, speaking with different reps, getting different stories. Especially for their mistake that I'm already paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX AUTO / {$0.00} / XX/XX/2019

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 2022-04-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX AUTO / {$0.00} / XX/XX/2019

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 2022-04-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX AUTO / {$0.00} / XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : Chapter XXXX Bankruptcy / XXXX / {$0.00}

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 explanation
Consumer complaint received 2022-04-27 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: CLGF Holdco 1, LLC
State: DC

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  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I received a response from Experian dated XX/XX/2022 forwarded through the attorney general 's office about inaccurate info on my consumer credit report. Experian indicated that both fraudulent accounts " XXXX XXXX XXXX '' and " XXXX '' are currently not listed on my credit report. While this is accurate for " XXXX XXXX XXXX '' which has been removed from my consumer credit report, however the account " XXXX '' is currently listed on my consumer credit report. This is indeed another " LIE '' from Experian stating that an inaccurate and fraudulent account is NOT listed on my credit report when it clearly is. I have submitted several police reports and FTC reports and the account " AFFIRM '' is still showing on my consumer credit report and is causing severe financial hardship. I am in the process of trying to refinance an Auto loan due to financial difficulties. XXXX XXXX XXXX XXXX obtained a copy of my credit report today on XX/XX/2022 and has declined my refinance loan because of the fraudulent account " XXXX '' listed on my consumer credit report. Not only has EXPERIAN lied again on my consumer credit report but they have failed to block the fraudulent account in a timely manner according to the Fairs Credit Act 605b. Because of this failed action on Experian 's behalf my financial hardship is now extremely severe. 



I have attached a current copy of my Experian Consumer Report showing the fraudulent account AFFIRM which is reporting negatively and caused me severe financial hardship. I have also attached a copy of Experience response which was forwarded to me by XXXX XXXX at the Office of Attorney General Consumer protection Division.

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 2022-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
BULL CITY FINANCIAL SOLUTIONS , INC. is reporting false and inaccurate information on my consumer report. I sent BULL CITY FINANCIAL SOLUTIONS, INC. a debt validation according to 15 USC 1692 ( g ) ( b ) to verify the debt obligation. Also, included in the letter was a cease and desist all reporting. I gave them ample amount and of time to respond to validate the debt. BULL CITY FINANCIAL SOLUTIONS , INC. has acquiesced thru their silence and has failed to answer any of my questions. The account # XXXX is still showing on my consumer report. I sent them a NOTICE OF DEFAULT AND OPPURTUNITY TO CURE along with a invoice with FDCPA and Privacy Act violations and the never responded. This inaccurate information on my consumer report has caused me and my family severe harm due to negligence and inaccurate reporting. I, XXXX XXXX did not authorize, BULL CITY FINANCIAL SOLUTIONS , INC . I, XXXX XXXX do not have any debt an obligation to BULL CITY FINANCIAL SOLUTIONS , INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I received a response from Experian dated XX/XX/2022 forwarded through the attorney general 's office about inaccurate info on my consumer credit report. Experian indicated that both fraudulent accounts " XXXX XXXXXXXX XXXX '' and " XXXX '' are currently not listed on my credit report. While this is accurate for " XXXX XXXX XXXX '' which has been removed from my consumer credit report, however the account " XXXX '' is currently listed on my consumer credit report. This is indeed another " LIE '' from Experian stating that an inaccurate and fraudulent account is NOT listed on my credit report when it clearly is. I have submitted several police reports and FTC reports and the account " XXXX '' is still showing on my consumer credit report and is causing severe financial hardship. I am in the process of trying to refinance an Auto loan due to financial difficulties. XXXX XXXX XXXX XXXX obtained a copy of my credit report today on XX/XX/2022 and has declined my refinance loan because of the fraudulent account " XXXX '' listed on my consumer credit report. Not only has EXPERIAN lied again on my consumer credit report but they have failed to block the fraudulent account in a timely manner according to the Fairs Credit Act 605b. Because of this failed action on Experian 's behalf my financial hardship is now extremely severe. 



I have attached a current copy of my Experian Consumer Report showing the fraudulent account XXXX  which is reporting negatively and caused me severe financial hardship. I have also attached a copy of Experience response which was forwarded to me by XXXX XXXX at the Office of Attorney General Consumer protection Division.

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 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/2022, I updated my square retail Pos profile I called support to assist me with the update when I was on the call with the support team, they wouldn't answer any of my concerns about my account the rep just kept talking over me and told me to let him know when I get to a certain page so he could help, me get the information updated, that didn't happen on XX/XX/2022 I received a invoice payment to the account totaling XXXX the first part was XXXX and today the balance XXXX. Square froze my account blocked deposits and now they are asking me to submit 3 months of bank statements, I'm not taking out a loan. I'm trying to understand if there was any issue why I wasn't informed before payments started showing up,. I did reach out to then only to be more disappointed with them, they say the Law now requires them to do this to square accounts, I did request to get all this in writing. after calling in over and over one rep found the issue and stated it was an error on the Square end when the rep went to update my profile he didn't update he just opened up a whole new Square account under my original account I had for years. the problem is they want to hold my funds until they figure out how to transfer the funds in my account or I can just to what they want and submit 3 month of bank statements to verify the account because I'm showing two accounts with Square.. There is no transaction history to show because its not a new account, but its showing up as a two day new account according to them, they need to be held accountable for this hardship they are unprofessional and this is unacceptable they need to put my funds into my account without further delay and correct the issues they caqused..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
They tried to get me to verify my birthdate, my billing address and my SSN without explaining why they are calling us. 

They only give me the name of the company. I declined to verify the private information they have asked for me. 

And I have not receive any letters from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: GA

Complaint narrative:
I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: MARINER FINANCE, LLC
State: DC

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  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners
State: TX

Complaint narrative:
They called me and the first person I spoke to threatened to kick my XXXX if she ever saw me outside when I asked her to please verify some information. I then asked to speak to a manager and they said they would handle it and forgive the debt based off what the previous lady had said to me but wouldnt give me her name or any information to follow up. Im a veteran its based from a debt XXXX years ago which I disputed because Im covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2022-04-27 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: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from agency or third party.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Early XX/XX/2022 my JPM Chase banker informed me of a grant program offered by Chase when I shared our grassroot events, projects and programs. He soon introduced me to XXXX XXXX XXXX at the Chase branch, XXXX XXXX XXXX, XXXX, TX XXXX. I met her via phone and I soon delivered documents on our non-profit and summary of our projects, programs, etc. XX/XX/2022. However, on XX/XX/XXXX XXXX XXXX emailed that Chase would not be able to sponsor at this time as the projects do not meet four pillars criteria. I asked why she had not provided in advance the pillars, and requested she provide them to me. XXXX XXXX I responded that we are eligible for all the pillars after having reviewed them ; and affordable housing surely one of our priorities. XXXX XXXX she responded she would make some connections to support our affordable housing. No response after we provided the information to XXXX XXXX so I emailed her XX/XX/2022 asking how much longer before hearing from her on our proposed projects for funding by Chase. No word from XXXX XXXX so another request for an update was emailed her XX/XX/XXXX. Still no response so XX/XX/XXXX we received response to our concerned letter to Chase about XXXX XXXX. XXXX XXXX in central giving for Chase is who I spoke to and forwarded copies of our emails to XXXX XXXX. No response from XXXX XXXX ( XX/XX/2022 ) despite email to her today. Chase customer care took our concern but admitted nothing they could do. Corporate Chase did nothing. Federal Reserve contacted and instructed I contact CFPB and file this complaint. Chase ads seen in various newspapers in XXXX, Texas about millions it has to give to disadvantaged neighborhoods, small businesses, etc., yet, we are met with only blockades to receive funding.

Company response to consumer: Closed with explanation