vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 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: FL

Complaint narrative:
Upon reviewing my credit report, it has become evident your company, acting as a consumer reporting agency, along with the so-called " creditor, '' have unlawfully provided my information without obtaining my written consent, as explicitly required by 15 USC 1681B of the FCRA. It is imperative that you understand that I do not consent to the unauthorized furnishing of any of my information by any means, as delineated by my rights under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, in light of the provisions stated in 15 USC 1692a ( 2 ) of the FDCPA, it is evident that the transmission of information regarding a debt, directly or indirectly, through any communication medium constitutes a " Communication. '' As per the literal interpretation of " any medium, '' this encompasses various forms of communication, be it oral, written, electronic, or others. Therefore, the act of furnishing my consumer report, which contains information about the alleged debt, constitutes a " Communication '' under the FDCPA. 
In accordance with my rights outlined in 15 USC 1692c ( c ) of the FDCPA, I hereby provide you with formal notice to immediately cease all further communication pertaining to this account. This includes, but is not limited to, any form of contact such as telephone calls, emails, social media interactions, or any communication made through a Consumer Reporting Agency. 
Please be advised that any continued contact or communication from your company or its agents, except for a communication acknowledging receipt of this letter, will be viewed as a violation of the FDCPA. It is crucial that you take this notice seriously, as I am fully prepared to exercise my rights under the law. 
Failure to respect this cease-and-desist notice will leave me no choice but to pursue legal action against your company. Please understand that in any ensuing legal proceedings, I will seek all available remedies and potentially claim damages allowed under the FCRA and the FDCPA. 
I urge you to promptly address this matter and comply with this cease-and-desist notice to avoid the need for further legal intervention. I kindly request a written acknowledgment of receipt of this letter, along with your commitment to comply with the instructions provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: FL

Complaint narrative:
Upon reviewing my credit report, it has become evident your company, acting as a consumer reporting agency, along with the so-called " creditor, '' have unlawfully provided my information without obtaining my written consent, as explicitly required by 15 USC 1681B of the FCRA. It is imperative that you understand that I do not consent to the unauthorized furnishing of any of my information by any means, as delineated by my rights under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, in light of the provisions stated in 15 USC 1692a ( 2 ) of the FDCPA, it is evident that the transmission of information regarding a debt, directly or indirectly, through any communication medium constitutes a " Communication. '' As per the literal interpretation of " any medium, '' this encompasses various forms of communication, be it oral, written, electronic, or others. Therefore, the act of furnishing my consumer report, which contains information about the alleged debt, constitutes a " Communication '' under the FDCPA. 
In accordance with my rights outlined in 15 USC 1692c ( c ) of the FDCPA, I hereby provide you with formal notice to immediately cease all further communication pertaining to this account. This includes, but is not limited to, any form of contact such as telephone calls, emails, social media interactions, or any communication made through a Consumer Reporting Agency. 
Please be advised that any continued contact or communication from your company or its agents, except for a communication acknowledging receipt of this letter, will be viewed as a violation of the FDCPA. It is crucial that you take this notice seriously, as I am fully prepared to exercise my rights under the law. 
Failure to respect this cease-and-desist notice will leave me no choice but to pursue legal action against your company. Please understand that in any ensuing legal proceedings, I will seek all available remedies and potentially claim damages allowed under the FCRA and the FDCPA. 
I urge you to promptly address this matter and comply with this cease-and-desist notice to avoid the need for further legal intervention. I kindly request a written acknowledgment of receipt of this letter, along with your commitment to comply with the instructions provided.

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 2023-12-06 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: CA

Complaint narrative:
In XX/XX/2017, I worked with a company to help pay off large credit card debt. For over 5 years, I worked with this company, paying $ XXXX monthly into an escrow account as they worked to resolve my debt with XXXX, XXXX  XXXX XXXX, and XXXX. It was difficult to send this money monthly as my credit score plunged to XXXX, and I stopped using all my cards and accounts. I wanted to avoid bankruptcy. However, after time, I was able to settle with XXXX and XXXX. But XXXX would not settle. They would not work with the debt relief company. The California statute of limitations had run out when they could take me to court, so I ended my relationship with the XXXX XXXX XXXX and moved on. Since I paid off XXXX credit card debts, my credit score rose to XXXX. However, after doing nothing since 2017 to my credit report, out of the blue, XXXX reported an XXXX for the second time in almost 6 years on my account to the credit reporting system. Over time, my credit rating dropped XXXX points, and I'm now down in the low XXXX with a fair credit rating. It has destroyed all my hard work and seriously hurt my credit. Again, XXXX WOULD NOT work with my XXXX XXXX XXXX and then did this. It is a malicious move designed to hurt my credit and ruin my hard work and the future of all that I can do with lenders. When I reported it to Equifax, they contacted XXXX, who added XXXX to all the months since 2017, hurting me even more. 
Why did they wait, and why did they do this other than to destroy my credit history and standing? My life is a living nightmare because my score keeps dropping, and lenders won't work with me or give me loans even though I have paid rent for over 10 years at my current address, other debts, credit cards, etc. This tactic is highly egregious and should be investigated and stopped by companies like XXXX. Again, they refused to work with me to resolve the debt, attacked me personally, and erased my hard work with credit for their own benefit. WRONG! There should be protections from companies like XXXX and these tactics. Hard-working Americans like myself with family to support should not be attacked by multinational XXXX companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: ACOPIA CAPITAL GROUP
State: MS

Complaint narrative:
Basically, I first of all contacted XXXX XXXX on XX/XX/2023 in regards to a refinance! After several phone calls I finally reached him! After applying I was told by XXXX it was taking more time than expected so I waited a week! Then I contacted XXXX again he instructed me that I had a XXXX score and I needed a higher score! He said if I paid off credit card we could do a rescore and it would push my score up to where it need to be! I paid the credit card off in full! He told me I should have an answer within 24 hours! After several attempts to reach XXXX he told me its taking more time! So I contacted the regional manager and asked if I could get someone else to help me out! Finally I was forwarded to a new person who was XXXX XXXX! So now XXXX instructed me that there were other things showing on my simulator report from XXXX XX/XX/XXXX that need to be paid! I asked why is it XX/XX/XXXX over XXXX weeks later and I had no knowledge! XXXX told me he didnt wan na talk about past stuff lets just move forward! He said can u pay the other stuff so I can run a rescore for u! I said I was told XXXX weeks ago that it was ran by XXXX so obviously I had to start over! So after realizing that XXXX had never done anything I got frustrated and told them I rather just go to another company bc I was not properly informed! Ive been waiting I dont like the treatment! And plus XXXX had been deceptive!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was fraudulently charged for a XXXX  mattress which every mattress has serial numbers this mattress is flat as a pancake without serial numbers to prove this is a XXXX  mattress

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 2023-12-06 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Alleged Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) Billing Error ) Upon reviewing my credit report recently, I observed multiple instances of billing errors as defined under 15 U.S. Code 1666 ( b ) billing error, specifically : ( 4 ) The creditor 's failure to accurately reflect on a statement a payment made by the obligor, or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature by the creditor on a statement. 

It has come to my attention that the creditor failed to provide the requisite 21-day notice ( approximately 3 weeks ) before issuing a statement, thereby negating any grounds for late payments on the mentioned accounts. I am requesting conclusive evidence from the creditor 's bank account to substantiate the claim of non-payment resulting in late markings, as this appears to be a clear billing error. 

I insist that the following items be promptly updated to " paid as agreed '' on my consumer report : 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 As a consumer protected by law, these accounts must be expeditiously updated or removed from my record. Failure to comply will compel me to pursue monetary compensation for the infringement of my rights through small claims court under 15 USC 1681n civil liability. 

Additionally, be informed that this matter has been escalated by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. 
Transunion ( only credit bureau ) reports it as XXXX XXXX  XXXX XXXX. 
I had requested to have information corrected at least 3 times, never had a solution. Attached you can find my Bank statement, DL and SS card showing my correct name.

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 2023-12-06 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: FL

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. 

has violated my rights. Or a list of inquiries : 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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as they inaccurately report me as late despite my consistent on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-06 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-06 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: CA

Complaint narrative:
Well Im XX/XX/XXXX I sold my XXXX XXXX to someone and went on with my life. On XX/XX/XXXX, I wake up from a nap and have a notification on my phone showing that my email was removed from my cashapp account and my phone number and that the {$500.00} I had in the account was sent to someone without my permission. When I went to try and log in, was directed to create a new Cash App login. Then I tried to login using my email and realized that my email was removed from Cash App then I contact a cash app and try to do a claim with him and told him all the information what happened and stated that I saw my phone on XX/XX/XXXX and I XX/XX/XXXX the fraudulent transaction for {$500.00} was not me but was done on my XXXX that I had just sold and I realized that I have started to sign out of my XXXX XXXX to reset it but that I didnt know you need to enter your password before you complete the reset process so when I had sold it, I simply press the factory reset button to know how to do a reset button I didnt enter my XXXX password and I handed the phone over and I took the money from the guy and left. So I think I mustve done when you got home was saw that I got a {$40.00} payment on XXXX XXXX and then proceeded to log in my cash app proceeded to remove my email and replace it with his email and remove my phone number and replace it with his phone number and then proceeded to figure out a way to get in my cash app and use my pin to complete the transaction actually there were three total transactions one was for {$500.00} in us for XXXX dollars and last one was a {$40.00} payment from XXXX XXXX. The XXXX XXXX police report number is XXXX. 
Cashapp did an investigation, and they proceeded to tell me that it was me who made the transaction and theres nothing I can do about it but Ive gotten emails before from cash app show me a suspicious login in the location of that login, so how is it that I was logged in my XXXX XXXX at the time of the transaction and I know the cash app knows that and the transaction was made from an XXXX XXXX  and that XXXXXXXX XXXX was not where my XXXX XXXX was nor was it at my house so that shows that it was not me who made the transaction in Cash App still declined to pay or denied my claim. I havent found a police report rt and include the number previously. So now I dont know what to do with a contact because now Im out of {$540.00} and the cash app is stating that Im in a transaction what else am I supposed to do or can I do feel like I got robbed again for cash app not honoring my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: OH

Complaint narrative:
To Whom it may Concern, This is this complaint is submitted Under OHIO LAW XXXX of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, XXXX other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, XXXX, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, XXXX, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : -XXXX XXXX XXXX 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 explanation