vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
1.  The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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. 

The letters are stated with items and issues.

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 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I live in XXXX, Massachusetts and someone in XXXX, North Carolina has opened a Bank of America credit card in my name. The account is XXXX past due with a balance of {$4600.00}.

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 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While looking at my credit reports I have noticed the following account had a discrepancy in the " account status '' section of. the listing : XXXX XXXX XXXX ( XXXX XXXX  ) - XXXX XXXX Is reporting this account as opened. Obviously, an account that has been sent to collections should not be listed as an " open '' account. 
Because of this apparent neglect in assuring everything In my report is accurate, consistent and up to date pleaso " DELETE '' this Item immediately : XXXX XXXX XXXX ( XXXX XXXX  ) - XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
While looking at my credit reports I have noticed the following account had a discrepancy in the " account status '' section of. the listing : XXXX XXXX XXXX ( XXXX XXXX  ) - XXXX XXXX Is reporting this account as opened. Obviously, an account that has been sent to collections should not be listed as an " open '' account. 
Because of this apparent neglect in assuring everything In my report is accurate, consistent and up to date pleaso " DELETE '' this Item immediately : XXXX XXXX XXXX ( XXXX XXXX  ) - XXXX When the requested above deletions are made, please mail me an updated copy of 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 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/2023 I ordered a security system from XXXX using the affirm payment process. On XX/XX/2023 I decided to return the equipment because I was not happy with the service. XXXX XXXX got the equipment back on XX/XX/2023. I am still having problems with getting affirm off my account. They keep bugging me for money that I do not owe becuase I returned the equipment back to XXXX XXXX. XXXX XXXX told me that they received the equipment and they would tell Affirm to remove my debt. I keep receiving notices from Affirm to pay them money when I don't have the equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 16921 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

3. there is some inaccurate information reporting.

XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : 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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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: NY

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. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: FL

Complaint narrative:
Dear First Progress Card and Synovus Bank, I hope this ( CFPB ) complaint finds you well. I am writing to inform you that as of XXXX XXXX XXXX, legal actions have been initiated against First Progress Card and Synovus Bank. These actions are currently active with the XXXX XXXX XXXX. 

Attached to this CFPB complaint, you will find the necessary documentation and information pertaining to the ongoing legal proceedings. It is important that you review the attached documents carefully to understand the nature and extent of the legal actions being pursued. 

Please be advised that failure to respond or take appropriate action regarding this matter may have serious consequences for your organization. I urge you to give this legal action the attention it deserves and take the necessary steps to address the concerns raised. 

If you require any further information or have any questions regarding the ongoing legal actions, please do not hesitate to contact me at the provided contact details. I expect your full cooperation in resolving this matter in a fair and timely manner. 

Thank you for your immediate attention to this notice. I look forward to a prompt and satisfactory resolution. 

Yours sincerely, XXXX XXXX. 

All Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I contacted MRS BPO LLC about an account they put on my credit report without even contacting me about the account which is a fraud account from XXXX when they said I opened an account with them XXXX of this year when I havent had XXXX. I talk to someone from the company, and they even said it was something not right about the account and something didnt add up so he disputed on his end, and I never received anything from them about the dispute so I disputed though the credit report agency, and they wont remove this fraud account that wasnt open by me when they even said it was something not right about the account themselves.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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:
I am a victim of identity theft and information reported in my EXPERIAN file is from that identity theft. These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Acceptance Corp
State: FL

Complaint narrative:
In XXXX of XXXX I startes receiving alot of solicitations from people knocking at my door including a salesman selling a vac up cleaning I unfortunately took the bait and purchased him telling me if I hhave any issues I can return the vaccuum in less than a month later I attempted to because the vaccumm was not working. I tried no one called me back in regards to my issue.. I made several attempts. Now XXXX XXXX I was giving a summons for court stating these people are attempting to sue me for a faulty product that never worked that no one called me about and Im finding out its not just me several people are going thru the same thing. Faulty product was giving and this company is trying to swindle money from me to pay. Without any form of written communication before today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: AL

Complaint narrative:
OnXX/XX/XXXX, I purchased a queen bed and boxspring set for {$430.00} with my CashApp Cash Card at a local business. The bed was supposed to be delivered on XX/XX/. It was not delivered and I gave it through the weekend before attempting to contact the merchant. 
On XX/XX/XXXX I attempted to contact the merchant only to discover that he had closed his business and disappeared, leaving no contact information. 

I immediately contacted CashApp and disputed the transaction and reported it as fraud. CashApp denied my dispute saying that no error or fraud had been committed. 

I have since filed an additional 5 disputes in the same transaction, all with the same result of being denied. I did request the documentation that CashApp used to determine the dispute decision but all that CashApp provided to me is a copy of the transaction details... Which is not helpful at all as it lists no reasoning as to why it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: FL

Complaint narrative:
I do not believe Equifax is reviewing my dispute correctly. I have provided them with evidence that this information is reporting inaccurately by the furnisher and they have not removed it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I needed a small loan to keep my mortgage up to date as I was dangerously close to foreclosure, so I reached out to One Main Financial Group and got approved for a loan based on my income and assets at the time. The process was fine for a while until my XXXX Payments were discontinued and then my ex lost his job and stopped making payments of child support and alimony, that put me at quite a disadvantage financially ( - {$3000.00} ) as now I was still behind in other payments as well as the loan making less than half of what I was making before. At first I communicated my issues and tried to make up the difference but I just couldn't afford it. I was barely putting food on the table. Eventually I was served a Summons to appear in court, I attempted to file an Answer several times with the state of Illinois but they kept sending the paperwork back with no instruction of how to do it properly, I even called the Circuit Clerk and she said the E-filing system was just a tool that they offered and how to navigate it was a mystery to them. I filed at least 7 times and was rejected every time ie : one such rejection was because the file was uploaded upside down. I spent alot of money and time trying to Answer the Summons but to no avail. I mistakenly assumed that my attempts would at least be noted but in dealing with that I missed the court date and of course now in default. Now One Main is threatening to garnish my checks for an astronomical amount that exceeds the original loan. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've sent multiple letters to Experian to have addresses that are NOT mine & have never lived at removed from my credit report because, by law, incorrect items must be removed. But they will not investigate these addresses & remove them. All they have done was sent stall letters to me claiming that i am using a credit repair company when this isn't true. I have requested this multi of times only for them to send the same email claiming false information. 

All these are the times they replied back to my letter. Never opening an investigation. 

XXXX XXXX - XX/XX/XXXX Second Letter - XX/XX/XXXX Third Letter 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 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: WI

Complaint narrative:
XXXX  reported to my credit bureau that I was caught up in XXXX. Now the company is saying I am again XXXX months behind despite my continuing monthly payments and getting caught up in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX a victim of cyber crime .My MASTERCARD NETSPEND CARD was used while i have it in pocket last night at XXXX XXXX XXXXXX/XX/XXXX. It was used in XXXX XXXX XXXX XXXX XXXX XXXX at that moment i was in XXXX even never ever been in XXXX. XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Last night my card was used in that ATM while i have it in my pocket and still have it. Next day wake up as usual to go to work, found on way can not pay TAXI DRIVER. VERY HURTFUL. 

I called NETSPEND XXXX XXXX CLOSED WAIT UNTIL XXXX XXXX THEY ANSWERED. 
Explained what happened to NETSPEND customer service representative. She told me to call ATM OWNER. I call XXXX XXXX XXXX XXXX XXXX transfered to headquater no help. THEY TOLD ME CALL YOUR BANK NETSPEND TO RESOLVE YOUR ISSUES. 

I filed online dispute on netspent website then called customer Represantive, she told me you will need to sign and send to us. They just dismissed all i said. 

TWO YEARS AGO I LOST AGAIN OVER {$1000.00} AFTER MY CARD WAS STOLEN THEY NEVER HELPED. THIS TIME I IGNORED AS IT WAS PHYSICAL CARD THIS TIME IS CYBER CRIME FROM CYBER THUGS MY CARD IN POCKET. NO HELP AT ALL. 

Later spoke called after waiting on hold forever, customer REPRESANTIVE TOLD ME NOTHING CAN BE DONE UNTIL XX/XX/2023. 
NO CONSUMER PRTECTION WHEN MONEY IS DEPOSITED. VERY ARROGANT AND POOR CUSTOMER SERVICE.

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