vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action. 

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize this company to add my information to the credit bureaus.

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 2024-12-26 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 2024-12-26 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: SC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Unjustified Closure of My Cash App Account Dear Sir or Madam, I am writing to file a formal complaint against Cash App ( a service provided by Block Inc. ) regarding the unjustified closure of my account. Cash App recently closed my account and stated that I had violated their Terms of Service. However, they failed to provide any specific explanation or details about the alleged violation. Instead, I received a generic, copy-and-paste email with no actionable information or opportunity for appeal. 

Account Details : Cash App Account Email : XXXX Last XXXX Digits of Linked Debit Card : XXXX Last XXXX Digits of Linked Bank Account : XXXX I opened my Cash App account on XX/XX/year>, to conveniently receive and send funds. Shortly after opening the account, I received XXXX small transactions from family members XXXX XXXX XXXX XXXX XXXX ) as XXXX gifts. These were the only transactions conducted on the account, and I am certain that I did not violate any rules, policies, or terms of service. 

Despite this, my account was abruptly closed without any transparent explanation or process for resolution. I have reached out to Cash Apps support team, but my concerns were not addressed, as their responses appear to be automated, with no indication that a human reviewed my case. This lack of transparency and accountability has caused significant inconvenience and frustration. 

I would like to formally request that the CFPB investigate this matter. Specifically, I ask for : A detailed explanation from Cash App regarding the alleged violation of their Terms of Service. 
A real human review of my account to determine if the closure was justified. 
Reinstatement of my account if it is determined that no violation occurred. 
The actions of Cash App and their refusal to provide meaningful assistance are not only unfair but also a violation of customer rights. As a financial service provider, Cash App has a responsibility to ensure that their processes are transparent, accurate, and fair, particularly when they involve closing accounts and restricting access to funds. 

Thank you for your attention to this matter. Please feel free to contact me if additional information is required. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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.

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 2024-12-25 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: EQUIFAX, INC.
State: NC

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.

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 non-monetary relief
Consumer complaint received 2024-12-25 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:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX  XX/XX/XXXX ( Repeat for each disputed inquiry ) Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on [ XX/XX/XXXX ]. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes non-compliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXXXXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

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 2024-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
In XXXX XX/XX/XXXX Insurance was paid in closing, instead of taxes. XXXX, XXXX  XXXX. 
Annual home owners policy amount on this location was {$2100.00}, with the pre-meditate point. 
That this will go up. So, Insurance increased to {$2600.00}. SO, XXXX RAISE MY PREMIUM TO $ XXXXANNUALLY I PAID IT. 
THEN XXXX XXXX I ARRANGE TO PAY MONTHY PREMIUM, COME XX/XX/XXXX XX/XX/XXXX NOTHING. 
SO I CONTACTED XXXX AGAIN, TO ASK WHAT IS HAPPENING WITH MY HOME OWNERS that's I SET IT UP TO BE PAID BY ME. 
YES YOUR MORTGAGE company PAID IT ALREADY. THERE ARE NOT AUTHORIZED! 
IAM THE ONLY ONE TO BE PAYING MY HOME OWNERS INSURANCE. 
YES, WE SEE THAT AND IT IS ON FILE. 
THEN WHY DID YOU EXCEPT A LOWER AMOUNT {$2600.00} THEN QUOTED ME {$3100.00}. As that's what I paid prior year XXXX. Because there on the deed! 
So, that's how XXXX a part XXXX XXXX, generates additional money by interfering while using other, XXXX and Carrington mortgage servicer. 
To cause additional fees and documents and the memorandum of 60 days, how ever they already stateing a debt they just transferred on the XXXX of XXXX. Carrington mortgage services sends me the corresponding paperwork on the XXXX of XX/XX/XXXX. 
Now there asking for me to provide information information to Carrington mortgage research dept. As I did ASAP! 
THEY ARE MILIPLATING THE SYSTEM TO MUDDY UP THE PAPERWORK. 
FOR CONGRESSIONAL INVESTIGATION, AS WELL AS CLASS ACTION SUIT. 
SINCERELY,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX XXXX. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently check my credit report i noticed that i've been victim of identity theft and found numerous credit inquiries i have no knowledge of these inquries that i've found : XXXX XXXX  ( Finance ) XX/XX/year>. XXXX XXXX XXXX XXXX XXXX. Please remove the fraudulent inquiries 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 non-monetary relief
Consumer complaint received 2024-12-26 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: MS

Complaint narrative:
I'm a victim of identity theft I have no knowledge nor was I aware to the fact my personal information was breached as such. Without my knowledge nor consent I would like everything listed below anything negative and or any hard inquiries removed expeditiously, I am literally homeless due to denial for vehicles, apartments, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX To : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, UT XXXX Subject : Request for 1099-C Form for Charged-Off Account Dear XXXX XXXX, I am writing regarding my account with your institution, which was charged off as a loss on XX/XX/XXXX, and subsequently sold to Midland Credit Management, Inc. on XX/XX/XXXX. My understanding is that when a debt is charged off and considered uncollectible, XXXX XXXX  may issue a Form 1099-C, Cancellation of Debt, to the account holder and report it to the IRS if the amount forgiven meets reporting

thresholds. To date, I have not received a 1099-C form related to this account. If my account qualifies for cancellation of debt reporting, I kindly request that you send me the Form 1099-C at your earliest convenience. If this debt does not meet the criteria for issuance of a 1099-C, I would appreciate written confirmation for my records. 

To assist you in locating my account, here are the details : Name on Account : XXXX XXXX Date of Charge-Off : XX/XX/XXXX Sold to : Midland Credit Management XXXX XXXX XXXX XX/XX/XXXX ) If additional information is required to process my request, please contact me directly at XXXX I appreciate your prompt attention to this matter, as it is important for my financial and tax records. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX To : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, UT XXXX Subject : Request for 1099-C Form for Charged-Off Account Dear Synchrony Bank, I am writing regarding my account with your institution, which was charged off as a loss on XX/XX/XXXX, and subsequently sold to XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. My understanding is that when a debt is charged off and considered uncollectible, XXXX XXXX  may issue a Form 1099-C, Cancellation of Debt, to the account holder and report it to the IRS if the amount forgiven meets reporting thresholds.

To date, I have not received a 1099-C form related to this account. If my account qualifies for cancellation of debt reporting, I kindly request that you send me the Form 1099-C at your earliest convenience. If this debt does not meet the criteria for issuance of a 1099-C, I would appreciate written confirmation for my records. 

To assist you in locating my account, here are the details : Name on Account : XXXX XXXX Date of Charge-Off : XX/XX/XXXX Sold to : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) If additional information is required to process my request, please contact me directly at XXXX I appreciate your prompt attention to this matter, as it is important for my financial and tax records. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX Email : 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 2024-12-25 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: NY

Complaint narrative:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 XXXXXXXX

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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Private Notice XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX American Express Company XXXX XXXX XXXX New York, NY XXXX Effective Date : XX/XX/year>2024 Notice : Per the FCRA for the federally Protected Consumer : I XXXX XXXX am now Opting out of any, and all Authorization is given to report my personal information to a third party such as XXXX, XXXX, and XXXX. All three agencies should not be reporting these transactions. I the consumer have given you written, unwritten verbal, and nonverbal or by unknowingly accepting said terms by simply giving my information to you, per 15 USC 6802. 
I have not been given any option to opt-out and would like it to be a permanent process under this contract agreement. Account has been paid in full as agreed. 

16 CFR 433.2 NOTICE ANY HOLDER OF THISCONSUMER CREDIT CONTRACTIS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLEROF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

By : XXXX XXXX

Company response to consumer: Closed with explanation