vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
I have been a loyal customer of PayPal for several years and have never faced any issues until now. My account has always been in good standing and I have never engaged in any fraudulent or unethical activities. Despite this, my account was suddenly restricted and my funds were blocked for 180 days, which is unacceptable. 

The restriction and block was imposed on XX/XX/2023, and has caused immense inconvenience to my business operations. 

I have provided all the necessary documents and information to PayPal to prove the legality and authenticity of my business transactions. These include purchase invoices, shipping label, and tracking numbers with verifiable delivery within 5 days. However, despite providing this evidence, my account remains restricted and my funds are still blocked. 

I strongly believe that this restriction and block is unjustified and constitutes a violation of my rights as a customer. My account is not a high-risk account as I have fulfilled all tracking requests, delivered all products to my customers, and have a very high customer satisfaction rate. 

I request that you investigate this matter and help me resolve this issue as soon as possible. I also request that you assist me in lifting the temporary restriction and funds block on my account, so I can resume normal business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; SPRING OAKS CAPITAL # XXXX I dont recognize this account in accordance with the fair credit reporting act ( SPRING OAKS CAPITAL and XXXX XXXX has violated my rights. XXXX5 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like XXXX being taken advantaged of and being unnoticed. Section XXXX ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a credit card with Capital One that I opened in XX/XX/XXXX that was sold to Portfolio Recovery in XX/XX/XXXX. At that time, the charge for XXXX XXXX was added to my credit report and Capital One took their report off my credit report. On XX/XX/XXXX, XXXX XXXX showed paid off and was removed shortly after. Capital One then added itself back on to my report a few days later. I contacted XXXX XXXX, advised them of the issue and they indicated that they reported to Capital One I paid the collection. To date, Capital One still shows that I owe them money and it is really affecting my credit. I have disputed with the credit bureau and they state that the report is correct and won't remove it. Please help me remove this item from my report because I already paid the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
They a minium of XXXX times a day. Today XX/XX/23 they called at XXXX est. They are calling friends as well. I advised them to stop calling me more than once a day and to stop calling random people. They do not leave voicemails either. They also email more than once a day. This us unacceptable. They refuse to give me a chance to return their calls etc.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In XXXX of XXXX, I contacted XXXX XXXX about a charge that I was 2 days late. The payment showed submitted on my end, yet didn't complete on theirs. As I am in the XXXX XXXX I know how this can happen. I was told by XXXX XXXX that if I paid ( this was 2 days after ) they would refund the late fee and all would be well. I was told to pay over the phone. I did so. As I don't ever use this card and haven't for years, I normally do not look at the account every month. 

In XXXX of XXXX, my credit report was pulled. As a result of my credit score, the lender did not offer a favorable interest rate. When asked, they said my score wasn't that good, and I had a 60 - 90 late note. I was shocked. 

I pulled my credit and saw that once again XXXX XXXX was the reason. Although I had been told back in XXXX, the problem was paid for and fixed, it was not. I complained and after a few minutes a Supervisor refunded everything back to XXXX XXXX, even the interest. 

I filed a dispute with both TransUnion and XXXX. These people did not do their diligence to investigate the claim. I was immediately told via writing, that the credit report was true. I sent pictures of the account which showed a XXXX balance, as well as the reversal of charges all the way back to XXXX XXXX. Even with all this evidence the " investigation '', was deemed to be correct. In other words I am lying. 

I have suffered because of this, I have received a less favorable interest rate on a loan, based off of this information. I have tried to contact all three parties involved only to be told that " the report is accurate ''. Well I would have to say that if they looked at my screenshots and actually investigated this, it would show that this was not correct. 

I have screen shots of the account, credit reports, etc. I will also be filing with the FTC, as this is incredibly wrong to do to someone. I am not sure when their last compliance audit was, but based on this, I would say they are overdue for some oversight. 

Thank you for your help in this matter, and facilitating this complaint.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX  has basically ignored me even though I filed a complaint with the attorney general. I finally sued them in small claims court and won. I am attaching the court docket number and information ( XXXX ) XXXX the final disposition of the case. I am also attaching a fraud an identity theft affidavit from XXXX. 

XXXX XXXXXXXX XXXX has been stalling me and making excuse for alomost 2.5 years even with my complaints to the attorney generals office. I recently filed an affidavit fo billing error dispute which they also ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX  has basically ignored me even though I filed a complaint with the attorney general. I finally sued them in small claims court and won. I am attaching the court docket number and information ( XXXX ) from the final disposition of the case. I am also attaching a fraud an identity theft affidavit from IdentityTheft.gov. 

XXXX XXXX XXXXXXXX has been stalling me and making excuse for alomost 2.5 years even with my complaints to the attorney generals office. I recently filed an affidavit fo billing error dispute which they also ignored.

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 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/23 I signed up for a ( 2 ) Square POS account and payroll services, for my local XXXX XXXX XXXX XXXX XXXX After a week of collecting funds and tips for my XXXX, I submitted a request to transfer the funds in the amount of {$880.00} into my checking account. I received a notification that I would receive funds within 2 days. On the 4th day I reached out to square because I still had not received the funds. After being on hold for 45 minutes waiting to speak with a live person. A Square Rep was unable to tell me where the funds were or why they were not in my account. On day 5 I was told that the funds were taken to settle a past debt. This made no sense because I was a new customer to the system and had no previous account with them. After sending in documents verifying my business and all requested information. I was told that the error had been corrected and I would receive my funds next day. Same day I received a call from my credit union stating that there were ( 2 ) fraudulent withdrawals attempts made from my checking account and that my bank had been blocking them. I was completely unaware of this because it was the same amount that was due to be deposited into my checking account from the earnings and my employee 's collected tips of my XXXX XXXX. Not Only had this company held on to my funds, but they were attempting to remove additional funds from my checking account. I have been unable to process my company 's payroll or issue funds that have been tipped out to my employees because they are not releasing my funds. I have provided them with their request. I have been getting 2 different stories from Square1. the issue has been resolved and my balance will be deposited next day. 2. Its under investigation with a special department, a department that doesn't have it own line. I have emails of the account is in good standing, then emails stating that its being reviewed both within the same day. All while attempts to withdrawal funds unknown and fraudulently from my credit union take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had Charged off status on an account that was linked to another positive account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. this account must be fixed : XXXX XXXX Balance Owed : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Client service has a total of XXXX Accounts that need to be removed. As of now, XXXX Accounts were removed. Wrote XXXX XXXX XXXX XXXX Letters for 3 Credit Bureaus. Filed 3rd Round CFPB complaint online. Completed Before and After Credit Repair Analysis. Uploaded XXXX letter to XXXX Send an email to mail off the letters written to credit bureaus. 

Credit Score dated XXXX XXXX : XXXX - XXXX = XXXX XXXX : XXXX - XXXX = XXXX TransUnion : XXXX - XXXX = XXXX XXXX Credit Score : XXXX Charge Off : XXXXXXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXX XXXX  XXXX Balance : {$16000.00} ( Previously Deleted, popped up account ) Collection : XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXX : XXXX Charge Off XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} ( Previously Deleted, popped up account ) Collection : XXXX XXXX XXXX Balance {$1900.00} TransUnion XXXX XXXX : XXXX Charge Off : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXXXXXX Balance {$3600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX : {$16000.00} ( Previously Deleted, popped up account )

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has a total of XXXX Accounts that need to be removed. As of now, XXXX Accounts were removed. Wrote XXXX XXXX XXXX XXXX Letters for XXXX Credit Bureaus. Filed XXXX Round CFPB complaint online. Completed Before and After Credit Repair Analysis. Uploaded XXXX  letter to XXXX. Send an email to mail off the letters written to credit bureaus. 

Credit Score dated XXXX XXXX : XXXX - XXXX = XXXX Equifax : XXXX - XXXX = XXXX XXXX : XXXX - XXXX = XXXX Experian Credit Score : XXXX Charge Off : 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 response to consumer: Closed with explanation