vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-21 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: AZ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, at XXXX, my cashapp account was hacked for {$2000.00} and 2 days later they attempted to take {$3000.00} which failed because I canceled the debit card attached to my cashapp account. I disputed the transaction through the cashapp customer service line and was denied a refund because they said the transaction originated from my phone which was a lie. My phone was in my purse behind my bed and I was sleeping when the transaction took place. But cashapp did not inform me by email or text message like they have done in the past, before they took the money out of my account. I'm thinking maybe they hacked the cash app card attached to my cashapp account. They didn't attempt to investigate the person who received the money to find out what took place that day. The hackers made it look like I sent them the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to follow up on my previous correspondence and to continue disputing unauthorized inquiries that remain inaccurately reported on my credit report. This letter serves as my Round 6 dispute regarding these unresolved issues.

Inquiry by : XXXX Inquiry date : XX/XX/XXXX Issue : I did not authorize this inquiry. 

Inquiry by : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Issue : I did not authorize this inquiry. 

Inquiry by : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Issue : I did not authorize this inquiry. 

These inquiries were not authorized by me, and their presence on my credit report is negatively affecting my credit score and financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in 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 explanation
Consumer complaint received 2024-06-21 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:
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 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 2024-06-21 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:
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 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 2024-06-21 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: IN

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: IA

Complaint narrative:
Recently, my phone was stolen, and during this time, several transactions were made to transfer funds to my XXXX XXXX account without my consent. I have substantial evidence, including video surveillance, that confirms these transactions were fraudulent. 

XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT XX/XX/year> ( {$160.00} ) {$0.00} ( {$160.00} ) PAYMENT SENT XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT XX/XX/year> ( {$170.00} ) {$0.00} ( {$170.00} ) PAYMENT SENT XX/XX/year> ( {$50.00} ) {$0.00} ( {$50.00} ) PAYMENT SENT XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT Before I was aware of the video evidence, I disputed these transactions via the cash app app. However, I have since struggled to communicate additional information to support my claim due to the automated response system. 
Moreover, my account was closed for allegedly violating terms of service, which I believe is a direct result of the fraudulent activity conducted by another party. This decision was made without proper investigation or consideration of the evidence I provided or have attempted to provide, including past transaction patterns that were willingly made and are unrelated to the disputed charges. 
Under Regulation E, I am entitled to dispute unauthorized electronic fund transfers and request an investigation into such matters. I am seeking a thorough review of my case, the reopening of my account, and the return of the stolen funds. The supporting documents I received only reflect the disputed transactions that's all, and do not account for the unauthorized access to my account or show me how they supported them making their decision to deny my disputed transactions. I feel I did not receive a reasonable investigation. 
Despite having surveillance evidence of the theft and previously informing your support team that I recognized the individual, it seems my claim has been dismissed based on our past transaction history. 
This is a serious matter that not only involves financial loss but also a breach of security and trust. I urge cash app to reconsider the evidence provided and acknowledge the gravity of the situation. The fact that I had sent money to the same person in the past should not negate the current fraudulent activity. 

They also returned two payments that were sent to me one for {$500.00} and another for {$100.00} - ( not even on the dame day the money was stolen- entirely different days and unrelated to disputed charges ) why?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of XXXX, in addition to civil liability.

I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion recorded an eviction filing XX/XX/year>. I paid the landlord through their lawyers office and in return theyve provided me with a satisfactory letter. It has been 5 years and I am asking for the eviction to be removed as they stated that it would not affect my credit. Payment and satisfaction letter was finalized on 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 2024-06-21 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need 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 non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The company reported inaccurate balances for months financially harming me for MONTHS WHILE XXXX IN VIOLATION OF the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate ; INSTEAD OF DELETING IT PER MY REQUEST THEY HAVE DECIDED TO KEEP VIOLATING ME AND ARE STILL CONTINUOUSLY CAUSING ME FINANCIAL HARM!

In addition to that this company has not received written documentation from me providing them with the consent to furnish my credit and instead believe that their concepts outweigh those of which I am lawfully entitled to per FCRA!

This company is one of many that uses many fraudulent tactics against consumers.

Though they have not received that consent from me to furnish my credit they have indeed received proper, LAWFUL, endorsed negotiable instruments from me in regards to the three accounts which they told me they do not accept and have DISHONORED and closed my accounts without my permission or AUTHORITY FROM ME ( I have provided them along with my endorsed payment my updated power of attorney to PREVENT THEM FROM ACTING ON MY BEHALF denying me the freedom and liberties provided to me by the bill of exchange act as well! 
THIS COMPANY HAS COMMITTED SECURITY FRAUD AGAINST MY ESTATE BY NOT ALLOWING ME TO ENDORSE MY PRINCIPAL BALANCE. The XXXX NEVER TRANSFERRED MY SECURITIES WHICH IS BREECH OF HIS/HER FIDUCIARY DUTIES! As I have reached three times and been dishonored puts this is the category of patterns and also since I have brought this to their attention several times means they are knowingly doing these harmful things to me despite the instructions of the Bill of Exchange Act! Now that Im completely aware of the financial harm they are inflicting on me I am compiling a Notice of Assessment letter as well as a federal claim for breech of contract. As I am also aware of this company violating the Securities Act of 1933. This company has brought me significant financial harm and is continuing their harm by extending to my credit report and violating the rights I am entitled to acting as if they are above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to follow up on my previous correspondence and to continue disputing unauthorized inquiries that remain inaccurately reported on my credit report. This letter serves as my XXXX XXXX dispute regarding these unresolved issues. 

Inquiry by : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 Issue : I did not authorize this inquiry. 

These inquiries were not authorized by me, and their presence on my credit report is negatively affecting my credit score and financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in 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 explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have submitted a complaint ID XXXX. Following up as I missed their attempt to call, which seems to be a disingenuous attempt to contact me. I called back within XXXX minutes, then for a few days after all within the business day. They direct me straight to a voicemail. I have no interest in getting a phone call then having my time wasted trying to get in contact through their voicemail. I do have interest in them just emailing back to show the numbers they used to apply this interest. I would also like them to state where my money has been applied. They have misapplied a payment to a lower apr account before the higher apr accounts and I have had to pay interest.

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 2024-06-21 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: GA

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-06-21 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-06-21 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-06-21 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: TX

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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