vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Due to the recent news that there's a likelihood that many individuals ' social security numbers were hacked and possibly in the possession of bad actors I wanted to freeze my credit file with Experian ; however, I was unable to login. It was not due to incorrect user name or password, but rather a modal popped up prompting me to call them for " Membership Support ''. I tried to call the phone number that was provided XXXX, b

ut was not routed to any human agent despite many efforts of pressing numbers on my number pad and trying to explain to the automated robot what I was needing assistance with. First I tried login issues- they automatically reset my password ( which I didn't ask for ) and even once I reset my password I again received the " Contact us for Membership Support ''. I tried to call again, this time opting for the " Membership '' but they gave me an unhelpful link. Eventually I was able to prompt them for " Freeze Credit '' hoping to speak to someone ; however, they automatically froze my credit without verifying my identity. This is especially concerning because if my SSN has been exposed to bad actors then anyone could freeze my credit and receive my PIN to unfreeze which essentially could be leveraged similarly to ransomware. This adds undue risk to consumers and requires reassessment.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally complain about XXXX XXXX 's continued reporting of a fraudulent account on my credit report, despite my prior request to cease this activity. This account was opened without my consent as a result of a data breach, making me a victim of identity theft. Although the account was initially removed, XXXX XXXX continues to report it, which is not only illegal but also a violation of my rights under the Fair Credit Reporting Act. I demand that XXXX XXXX immediately stop reporting this account and that TransUnion ensures its permanent removal 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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX credit card, auto loan # XXXX and # XXXX, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after 2020. Remove late payments and charge off comment, against federal law Edit Delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX # XXXX and # XXXX, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after 2020. Remove late payments and charge off comment, against federal law Edit Delete

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 2024-08-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Doing the pandemic I was laid off prior to the unemployment benefits expiring on XX/XX/year>2020. I took out the loan in order to pay rent because I face eviction and I was not able to find a job before my savings ran out. I have been paying on the loans since 2020 in the amount approaching or over {$30000.00} for {$4000.00} loan. I can no longer afford to keep paying the loan because it never decreases the interest is nearly {$700.00} a month and it never goes down or the loan amount will never reduce. I'm stuck in a endless XXXX XXXX  with no hope. Please help me Rectify this situation it is a predatory loan that I needed to keep a roof over my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following fraudulent accounts reported to Transunion under my name : XXXX XXXX - Account Number : XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX XXXX  - Account XXXX : XXXX XXXX  - Account Number : XXXX I have requested an investigation and removal of these accounts, but no action has been taken. The entities associated with these accounts are in violation of 15 US Code laws, specifically 15 USC 1681s-2 and 15 USC 1691N .

I urge immediate intervention to address this issue and hold the responsible entities accountable for their non-compliance with the aforementioned US Code laws.

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 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX XXXX 2024 hotel stay XXXX placed a hold on my cash app card For {$240.00} dollars. 
At checkout on XX/XX/year> our final charge was {$210.00}. This left an unused balance of {$27.00}. 

Cash app never notified me that the hotel transaction updated from {$240.00} to {$210.00} per their policy. The cash app transaction history still shows the pending amount of {$240.00}. 

I got in touch with cash app and ask them what was going on with this particular transaction. Cash app advised me that the hotel collected the {$210.00} but theres still a hold for {$27.00}. I advised them that the transaction hold was for {$240.00} not {$27.00}. I also advised them that the transaction amount did change from {$240.00} to {$210.00} and why did they not notify me and why it shows the hold for {$240.00} still pending if the hotel collected the {$210.00} They refused to answer these questions. I asked them several times these questions and they refused to answer. 

I asked cash app for verification that there is a hold on the {$27.00}. They refused. 
I contacted the hotel and they confirmed the hold was for {$240.00} but was released and they collected the {$210.00}. The hotel stated that there are no additional holds and that the remaining {$27.00} was released when they released the {$240.00}. They confirmed that the {$27.00} was my return for remaining incidentals. 

The hotel provided a letter to give to cash app to verify so they can release the {$27.00} back to my account. I submitted the letter and cash app still refuses to release the funds back to my account. 

Cash app refuses to provide any information or verification for why they arent releasing the funds back to my account. I suspect fowl play on cash apps part because they refuse to provide verification, they are ignoring the confirmation from the hotel that all funds have been released and cash app is being uncooperative and not providing transparency. 
Its obvious that the {$27.00} is the remaining balance and the hotel has confirmed there is no hold. 
But cash app is uncooperative and refuses to release their hold on the {$27.00} Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The information on all XXXX  credit bureaus differ one i have asked for investigation several times none of these companies have done a thorough investigation. They have different payment historys there is missing payment information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Dispute Letter Under 15 U.S. Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Fair Collections & Out XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute of Nonpublic Personal Information Disclosure Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute the disclosure of my nonpublic personal information by your institution, as I believe it violates the provisions set forth in 15 U.S. Code 6802. This law restricts financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without proper notice and consent.

According to 15 U.S. Code 6802, a financial institution may not disclose any nonpublic personal information about a consumer unless : The institution has provided the consumer with a clear and conspicuous notice that accurately describes the institutions policies and practices regarding the sharing of such information.

The consumer has been given an opportunity to opt-out of such disclosures.

I have not received any such notice from your institution regarding the sharing of my personal information with third parties. Therefore, I request that you provide me with : A copy of any notices sent to me concerning the disclosure of my nonpublic personal information.

Details on any third parties with whom my information has been shared.

An explanation of how this disclosure complies with the requirements outlined in 15 U.S. Code 6802.

Please consider this letter as my formal request for an investigation into this matter under the provisions of applicable laws. I expect a response within thirty ( 30 ) days as mandated by law.

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, 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 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is from a transcript from XXXX XXXX XXXX XXXX XX/XX/2024 Third Federal Savings and Loan received a call from a call from an XXXX from XXXXXXXX XXXX XXXXXXXX department notifying them of an attempt by a third party to take over XXXX XXXXXXXX XXXX account. XX/XX/XXXX message left to discuss claims by XXXX. I didn't return call. My account was locked. XXXX, I called customer care to request access to my account online. I was told an investigator would call back. I did not return call. XX/XX/XXXX I called customer care to get access to my account online. I was transferred to Third Federal 's investigator. I told her I was unaware of any online activity on my account. She seemed to think it was strange I answered questions by saying '' I didn't know. '' She told me there were incoming transfers from XXXX into Third Federal checking account and various external transfers out of the account to an account titled with XXXX XXXX name at another financial institution, I still don't know what this account is and what institution it is at. She said the XXXX transfers would be returned to XXXX. I have not heard anything form XXXX and I don't know what their role was in this situation. XX/XX/XXXX I got a letter from Third federal that my account was closed and the " funds '' were returned to XXXX. I lost {$11000.00}. i don't understand how I was held responsible for what happened. I didn't do anything at all. Third Federal seems to think it was my fault. This was an account hadn't used for a long while. I still don't know exactly what happened. If she had told me straight out at the very beginning I would have responded better. I still don't understand how this is legal and I am being held liable. I put my in a bank and thought it was safe. Now I have lost my money because some hackers did something. This isn't right!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Following my previous complaint regarding this company and the fraud showing on my account, rather than fix the issue, they closed my account. They still have not addressed the fraudulent charges on the account, in fact, they sent me a letter stating my minimum balance was now lowered to {$260.00} while they investigate, however, on my account online it is still requesting that I make a minimum payment of {$920.00}. They closed my account for no legitimate reason. I pay my bill every month on time, except for now because of the issues. I have paid it off in full multiple times and have had no other issues. Now because I have complained to the CFPB and XXXX  regarding their recent actions, they are retaliating by closing my account. I will be filing a lawsuit against Best Buy Credit Services and Citibank. What they are doing is wrong. I have reported the fraudulent charges on my account, yet they fail to resolve them, instead demand ridiculous payments even after sending a notice that the amount would be changed. Then close the account because I have made complaints.

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 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IN

Complaint narrative:
I asked the transaction he halted and the company be blocked. Rude customer service said nothing they can do about it, it's pending and they were done discussing or further assisting me on the matter. {$9.00} was charged to XXXX and there's absolutely no account with them in my name whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm really disappointed because i can't believe that companies can just put accounts on my credit report that do not belong to me. I am really overwhelmed because these account are not mine. I have a busy life and I really haven't had the chance to view my credit report like should but when I am getting declined for credit because someone else 's accounts are reporting on my credit report. Not to mention, I have asked these company 's for over a year to send my proof that the accounts that they are reporting belongs to me and I still haven't receive this evidence. I am reaching out to you so that you can assist me. These company 's are taking advantage of people like me. I have asked for proof and nothing has been done. How can these companies not respond to my request and this be legal. I would like these accounts removed from my credit asap. 

Accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX Services Inquiries : XXXX XXXX, XXXX XXXX XXXX, XXXX Incorrect Address Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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 non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Conn's, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX and # XXXX, conn appliance, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after XX/XX/year> from date I filed. Remove late payments and charge off comment, against federal law what your reporting on these payment historys and comments. XXXX XXXX credit card as paid in full and XXXX reporting late payments this year. Remove the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX and # XXXX, XXXX XXXX, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after XX/XX/year> from date I filed. Remove late payments and charge off comment, against federal law what your reporting on these payment historys and comments. Capital one credit card as paid in full and XXXX reporting late payments this year. Remove the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request a thorough investigation and verification of my account.

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX - XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - XXXX - XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - has violated my rights. 
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 explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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 an account without my written instructions. 


Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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 2024-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NC

Complaint narrative:
These people are trying to collect on an old utility bill that does not belong to me. The house was sold and the new owners ran up a bill in my name. The address for the house is XXXX XXXX XXXX XXXX XXXX XXXX, NY. The sale of the house is listed on XXXX and shows the debt was made after the house was sold. I need these scam artists off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation