vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: NY

Complaint narrative:
In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.

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 2024-06-17 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: NY

Complaint narrative:
In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years. 
15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XX/XX/XXXX, my wife and I have discovered several accounts on our credit reports that do not belong to us. Neither of us opened these accounts, indicating that we have been victims of identity theft. In XX/XX/XXXX, we each began disputing these fraudulent accounts with the credit bureaus. Despite our efforts, the accounts remained. 

On XX/XX/XXXX, we filed an identity theft police report. A few weeks later, we received the report and continued disputing the accounts with the credit bureaus. Unfortunately, despite having the police report, the credit bureaus still refuse to remove the fraudulent accounts. 

I am now reaching out to the CFPB because I do not understand how the bureaus still refuse to remove these fraudulent accounts. I urgently need these accounts removed from my report as I am not the debtor but a victim of identity theft. I am attaching a partial credit report that includes the account I never opened, along with the FTC Identity Theft Report and police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I believe my identity is on the dark web, I also believe my social security number is on the dark web. Need all of my information to be removed from that site. I also believe someone else is using my 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 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, my family was planning a trip to XXXX, CA to spend our XXXX holiday weekend. We were planning to book the reservations through XXXX. The host suggested that we send her the payments through XXXX rather than through the XXXX application. The first installment was for {$800.00} sent on XX/XX/year>. The second installment due of {$1300.00} was sent on XXXX due prior to arrival at the property. When we had arrived at the property, the property was clearly occupied with dirty laundry, dishes and electronics scattered throughout property. When I reached out to the host, she shared with me that her and her husband we getting a divorce and that we would need to recooperate the money from him. When we spoke to the husband, he shared with me that he has no idea her plans of renting out the property. We immediately notified the XXXX XXXX XXXX XXXX and a police report was filed with case # XXXX by XXXX XXXX. The XXXX XXXX XXXX police informed us that they were fully aware of the couple and have performed similar activies with others. I filed a fraudulate activity case with Wells Fargo and followed up every month for the first 5 months with no updates provided by Wells Fargo. 

The second fradulant transaction was on XXXX, I had accidentally transferred {$150.00} to a wrong number. The payment was intended for my mobile car wash but had accidently sent to an incorrect number. Again, the same response from Wells Fargo that since the transfer was with a 3rd party-XXXX that they are not able to assist. 

I'm confused if XXXX is made of up the top 5 largest banks, why can't the financial institutions involved help put a stop to the criminal activity?

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 2024-06-17 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: AL

Complaint narrative:
I was looking over my credit report and noticed quite a few inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C. 1681 Section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states that no consumer reporting agency may furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was never late on my payments, yet there are 30, 60, and 90-day late remarks in my payment history. This is a clear violation of 15 U.S. CODE 1666B. These inaccuracies must be REMOVED from my payment history immediately. 

XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Experian requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report when provided with written instructions from the consumer to whom it relates. I did not provide such written instructions.

This company 's conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both ( 15 U.S.C. 1681q ).

DELETE this unauthorized inquiry from my report immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On or around XX/XX/2024 my identity, card information, drivers license, email, phone numbers etc were compromised by an unknown suspected scammer. Making various sporadic charges likely someone overseas. The transactions in disputed currently are for 3 different ones. 1600.00, 134.32, & 62.24. For a company named pay bis which I have never used or even heard of before now. I filed a police report, identity theft report as well. ( Sent proof of this to the bank ) I filed a fraud report to my bank. They initially provided temp credit and then reversed it stating this company responded back to them showing my information. They would have it because XXXX XXXX is a free forwarding number connected with my email which was compromised. Sensitive data like my id picture, and card info was uploaded to my gallery unknowingly. I do not know if this is where and how they were able to gain access to my information, but I do know that they had access to my password. With it, you can access and login to my phone number from anywhere. XXXXXXXX XXXX acts as a secondary forwarding number. Fifth Third is siding with the company because the scammer who stole my identity provided those details to them. Please assist me in recovering these funds. They drafted the funds without ANY warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: AZ

Complaint narrative:
I am writing to express my continued concern and frustration regarding unresolved disputes on my credit report. Despite my previous efforts, I have yet to receive a satisfactory resolution, and I feel compelled to address this matter with renewed urgency.

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 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have contacted Midland Funding numerous times regarding two separate collection account showing on my credit reports. I have also disputed the accounts multiple times with all three credit bureaus. The company they are saying is the original creditor, I have never heard of. I have never lived at nor heard of the address on these accounts. From my understanding, the collection company must provide some type of proof when I dispute the item. The company has clearly not provided the credit bureaus any proof as that would be impossible. I have been receiving constant mail from Midland Funding as well as constant harassing phone calls at very odd hours.

I have been putting off filing a lawsuit against what appears to be a fraudulent company. At this point I am trying to buy a home and these incorrect negative accounts are causing my family great distress.

Since Midland Funding as well as the three credit bureaus are unable to assist with these incorrect accounts that do not belong to me, I am requesting an investigation from the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I made a transfer of {$600.00} through my CashApp account. I transferred the money out of my checking account and paid a contact. Shortly after, I received an alert on my phone that my CashApp account had been locked due to suspected fraudulent activity. I then received an alert that my account had been unlocked. On Friday XX/XX/XXXX I received an alert that I had paid XXXX XXXX ( XXXX XXXX ) {$2100.00}. I do not know this person. I did not add this person to my contacts. I did not pay this person anything. I logged into my account to find that someone had emptied my checking account into my cash app. Then after several failed attempts to withdrawl the money, they added a contact and paid them. There are five failed attempts on my account and for some reason it was not locked. When I contacted CashApp immediately to report it I was told to just wait until they emailed me. That I would hear from someone in 10 days. I asked them why my account was locked and then unlocked. Why it wasn't frozen after three failed attempts to withdraw money from my account. Why I wasn't getting any answers or help. This was all of the money in my checking account. They offered me no assistance whatsoever. Just told me that they would send an email. Asked if I still had my phone, and who had access to it. This did not help me. I have bills being auto drafted out of this account. I have already had three items returned. How can someone log in to your account illegally, make several transfers in the middle of the night and go completely unnoticed. I don't know how someone got my information. I have checked all of my accounts, no other accounts look compromised. I have changed my pin, removed my bank account, but because CashApp has given me so little information in response to my request I don't know how to protect myself from this happening again. Now that I have had time to look at the app I see that someone signed into my account from an XXXX XXXX. I use a XXXX phone. I have never had a company be so non responsive to what is clearly a fraudulent series of transactions. I really don't think that people understand the risk associated with having an account with a company like CashApp.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
Good evening I'm writing in regards of been a very dissatisfied consumer of your Vanilla gift card I originally purchased a Vgc, only put money on it for in case of a family emergency for my children. 
I let the card sit for a long while. Finally went to use it and my funds were already used I contacted vanilla and they told me to dispute. I told them that I wanted a check instead of vanilla gift card. I was approved a replacement card instead of a check. Never was told it was coming threw XXXX when the card arrived I was at work and it was left in my apartment complex and stolen and once again used. I have filed a police report with XXXX police XXXX XXXX, however I'm still out of my money. 
I can not speak with XXXX person who knows XXXX well. I just want my MONEY back!!! 
I don't want a replacement card, I repeatedly asked that my money be in check form but that didn't happen, I was refused a tracking number so that I could track my replacement card and now it's stolen and spent. XXXX going to email the attorney general if I can't get my money from this email. I will not let this rest. Vanilla gift card has not been helpful in this situation they keep telling lies over and over and over. I waited 8 days for a new card, now I'm locked out because card was cancelled, I have several different case numbers, I don't know what else to do, please reimburse my funds please Case # XXXX I can't even get on your site to see how much was spent, but the representative said I only had a balance of XXXX but the purchases all together was {$990.00} please contact me, the police need a tracking number for the replacement card that was sent and stolen. I'm so angry that XXXX can't understand or communicate with a person who speaks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
i am attempting to settle this debt but the agency it has been placed wont accept a reasonable settlement offer

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have asked to have my experian acct cancelled with XXXX payment. 
they continue to ignore me and don't cancel or call. 
I want the credit from the last one amount charged and have the person I call removed, as he does not help with any follow up of correcting wrong 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 explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
I am using my report to challenge and investigate these wrongly reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA 605B mandates reporting any incorrect accounts appearing on a consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: PA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: PA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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