vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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:
I am writing to file a complaint against XXXX XXXX, account number XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ). This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has violated these rights by failing to remove the inaccurate information from my report.

I request that you investigate this matter and ensure that XXXX XXXX corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to 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 2024-08-01 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: RI

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

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 2024-08-01 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: 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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir and madam, I am writing to report an incident involving a fraudulent charity activity that I encountered recently. Below are the details of the scam : On XX/XX/XXXX, I received an email from XXXX XXXX about participating in a charity initiative. The activity involved purchasing gift cards for a charity that claimed to support orphans and the homeless. The compensation was stated to be {$450.00} per week for working flexible1-3 hours daily. 
I agreed to participate and began on XX/XX/XXXX. XXXX XXXX ( email : XXXX ) sent me a {$500.00} check via email, which I deposited into my XXXX account using mobile banking. The funds appeared to be immediately available, so I purchased a {$500.00} Apple gift card from a nearby XXXX and sent the card details to XXXX XXXX ( email : XXXX ). 
I repeated this process on XX/XX/XXXX. On XX/XX/XXXX, I became suspicious and asked for the charity 's address. They provided an address that matched an actual charity online, which reassured me at the time. 
On XX/XX/XXXX, I noticed that the check from XX/XX/XXXX, had bounced. I contacted XXXX XXXX, who then sent me another {$1000.00} check. I deposited it, and it again showed as immediately available. I bought another {$1000.00} worth of Apple gift cards and sent them to the scammers. 
Believing the activity to be legitimate, I continued on XX/XX/XXXX, and XXXX, XXXX, purchasing a total of {$3000.00} in Apple gift cards. On XX/XX/XXXX, I discovered that all the checks had bounced, and I was unable to reach XXXX XXXX. 
Due to my lack of understanding of check payment risks, I initially believed the funds were available when my mobile banking app showed the deposits as cleared. However, the checks were fraudulent, and my bank could not retrieve the funds from the originating account. 
I am requesting your assistance in investigating this matter and taking appropriate action against the individuals involved in this scam. 
Thank you for your attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

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 2024-08-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received a pre-paid amex giftcard, when attempting to use this card at numerous online shops the transactions is always declined, i have tried multiple purchases under the face value of the card. There are many reports of people having this issue starting this past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2024-08-01 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
after checking my credit report I notice all this on my credit report I never give no one permission to do this those are inquire I don't nothing about 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 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

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 2024-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
We have tried numerous times to resolve our late payments. I have been paying 1 month behind recieving late fees month over month. Through the website it says do you need assistance then after entering the info it says wait you need to call. Call and jump through hoops and we are denied and no one can say why only the computer says. Early on we had deferments so maybe no more available but if that is the case why suggestion on the payment page and why cant someone just tell me. 

We also do not get statements and they are not available online either. We are nearing the end the account and there is also a random XXXX other fee with no explanation. 

I tried to multiple times to email this inquiry through the website with messages that said cant complete my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX 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 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had XXXX square accounts, which both were deactivated with a higha balance on them. The emails associated with those XXXX accounts are as follow : XXXX and XXXX. 

The money placed on hold and i was told the money will be available to withdraw after 90 days. The days already passed and in fact its been a month after that 90 days expiration date. I tried to log in to these XXXX accounts of mine to transfer the funds to my bank, but I noticed the entire funds of both accounts, were already withdraw and there is no money available in either of the accounts. The combined balance that I had on these accounts, were approximately XXXX XXXX, but it all has been withdrawn by someone to several different bank accounts with different names. Im not sure how XXXX allow that to happen. All the funds has been transferred to several bank accounts with different owners. I tried contacting square several times by email and phone, but they are absolutely not helpful and its a large amount of money that currently I dont have access and request to immediately resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: FL

Complaint narrative:
I am writing to file a complaint against XXXX XXXX account number XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ). This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has violated these rights by failing to remove the inaccurate information from my report. 

I request that you investigate this matter and ensure that XXXX XXXX corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to 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 2024-08-01 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: TX

Complaint narrative:
I am writing to formally address the fraudulent account opened with XXXX XXXX. This is my second complaint with the CFPB regarding this matter. Despite my previous complaint, the account was not removed, and no evidence was provided to prove that the account belongs to me. 

I wish to clarify the following points : XXXX. The XXXX XXXX account was opened fraudulently and is not mine. 
XXXX. I have multiple police reports confirming that this account is not mine. 
XXXX. No identification or information provided by XXXX XXXX matches my records. 
XXXX. I have never lived at the address associated with the account. 
XXXX. The bank account linked to this fraudulent account is not mine. 
XXXX. I have never made any payments to XXXX XXXX, nor have I confirmed any information with them. 
XXXX. I have never spoken to anyone from XXXX XXXX regarding this account. 

According to the law 15 USC 1681i All information must be validated and insured to be correct. XXXX is breaking the law. 

I request that the CFPB take immediate action to remove this fraudulent account from my records and acknowledge the multiple police reports that substantiate my claim.

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 2024-08-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Provided Experian with my drivers license, passport and SS card along with police report and FTC report showing these accounts are fraudulent and they are not mine. They are only using secondary bureaus to verify this information saying it belongs to me. Not once have they actually contacted the company to validate or clarify the information of whoever opened these accounts fraudulently. I have sent this to them over XXXX times asking for proof and validation and they have never supplied me with my material requests through all the letters I have sent in. Check CFPB documents I have sent and show me where any company has ever supplied me with my requested information to validate these accounts belonged to me.

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 2024-08-01 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: NJ

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax 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 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I am requesting the immediate removal of a collection entry reported by CONTRACT CALLERS INC from my credit report. Despite their response to my previous inquiries, CONTRACT CALLERS INC has failed to provide adequate validation of the alleged debt, as required by law. 

Details of Complaint : Debt Validation : CONTRACT CALLERS INC has not provided the required validation information, including details about the original creditor, original account number, and supporting documentation, as mandated by 12 CFR 1006.34 ( b ) ( XXXX ) and 15 USC 1681-S 2 ( 7 ) ( A ). 
Failure to Provide Documentation : The company claimed to have sent a validation notice on XX/XX/year>2023, but I did not receive it. The entry remains on my credit report without proper validation or the opportunity for me to dispute the debt as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Request for Removal : Given the failure to meet legal requirements for validation and disclosure, I am demanding the immediate removal of this collection entry from my credit report. 
Desired Resolution : Please ensure that the collection entry is removed from my credit report and confirm the removal in writing within XXXX days. If this issue is not resolved promptly, I will consider further actions, including escalating the complaint with the CFPB and seeking additional legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief