vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-15 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There is a bankruptcy reporting on my credit report by XXXX, TransUnion, and XXXX. I contacted the bankruptcy court to see if they share that kind of information with reporting agencies, they said no. I sent letters at the end of XXXX to each reporting agency to have the bankruptcy removed since they are reporting from an inaccurate source ( I included the letter from the bankruptcy court saying they don't release that information to the public ) and have not heard back. I filed a complaint with the Attorney General as well. 

Having this bankruptcy inaccurately reported to my credit report is causing me emotional distress and is stopping my ability to attain credit for my business. They did not obtain this information from an accurate source and I would like it to be promptly removed 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 2023-09-15 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: PA

Complaint narrative:
RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I signed an agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. On page 8 of the contract there is no one listed as a assignee or interest holder in the vehicle or contract and there is a blacked out area for the signature of the seller. On XXXX XX/XX/XXXX I received a copy of the contract from XXXX XXXX of XXXX XXXX with an alteration on page 8 that was done without my knowledge and I did not agree to. American Credit Acceptance , LLC was added as the assignee and the seller signature box was signed by hand. It clearly shows the contract was changed after the day of signing. On the day of signing all signatures were electronically signed. At the bottom of the original contract that I received when I left shows the date of XXXX XX/XX/XXXX. On the bottom of the altered contract the date reads XXXX XX/XX/XXXX. The is shows deceptive and unfair business practices and FRUAD.

AMERICAN CREDIT ACCEPTANCE , LLC used a fraudulent contract to repossess my vehicle which is fruad. AMERICAN CREDIT ACCEPTANCE , LLC had/has no interest in my vehicle per the original contract. I have no agreement/contract with AMERICAN CREDIT ACCEPTANCE , LLC XXXX 
XXXX all violated a number of other consumers laws outlined in the documents I've attached, such as, forcing me to put a cash down-payment of {$750.00} because of my alleged poor credit when this was a strictly credit-only transaction, misleading tactics, lack of disclosures and other violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: IN

Complaint narrative:
CASHAPP LEGAL TEAM AND DISPUTES TEAMS [ XXXX XXXX XXXX ] [ Business Owner Of XXXX XXXX XXXX ] XXXX XXXX XXXX [ XXXX West XXXX Pl ] [ XXXX, Indiana, XXXX ] Re : Settlement Offer Dispute Resolution for Unauthorized Transaction and Revoked Access I am writing this letter to seek an amicable resolution to the ongoing dispute between myself and Cash App regarding unauthorized transactions and the revocation of access to my Cash Card account. I believe that it is in both of our interests to resolve this matter without further litigation and associated costs. 

The basis of my claim is as follows : XXXX. Unauthorized Transaction : On XX/XX/2022 I discovered that an unauthorized transaction in the amount of {$630.00} was made from my XXXX XXXX account. I promptly reported this incident to Cash App customer support. However, Cash App has yet to provide a satisfactory resolution, including a refund of the unauthorized transaction. 

XXXX. Revoked Access to Cash Card : Subsequently, I experienced the revocation of access to my Cash Card account without any prior notification or explanation. This action has caused significant inconvenience and financial hardship. 

I am willing to forgo pursuing legal action against Cash App in exchange for a fair and prompt settlement. To resolve this matter, I propose the following terms : XXXX. Payment : Cash App agrees to pay a settlement amount of {>= $1,000,000} USD to me within [ reasonable timeframe, e.g., 30 days ] of the execution of this settlement agreement. This payment will cover the unauthorized transaction amount, associated fees, and the inconvenience caused. 

XXXX. Reinstatement of Account Access : Cash App agrees to promptly reinstate my access to my Cash Card account upon the execution of this settlement agreement, allowing me to use the account as I did before the dispute arose. 

XXXX. Release of Claims : In exchange for the settlement payment and the reinstatement of my account access, I agree to release Cash App from any and all claims, demands, actions, or causes of action arising out of or related to the unauthorized transaction and account revocation, including any claims for damages, costs, or attorneys ' fees. 

Please consider this offer as a sincere attempt to resolve this matter and avoid further legal proceedings. 

If I do not receive a signed copy of this letter indicating your acceptance within the specified timeframe, I will have no choice but to pursue legal remedies to recover the funds and seek redress for the inconvenience and damages caused. 

Thank you for your prompt attention to this matter. I look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: EQUIFAX, INC.
State: DC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a hard inquiry on my credit report from capital one called to get it resolved they don't even have me on file don't have my social security number nothing but I have it on my file as a hard inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: NJ

Complaint narrative:
I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DON'T RECOGNIZE THESE ACCOUNTS 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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-15 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: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I sent a letter to ARS ( Advanced Resolution Services Inc. ) requesting them to provide proof of me giving them WRITTEN PERMISSION to obtain and furnish my personal information to any XXXX XXXX XXXX. Advanced Resolution Services concluded its investigation by stating BANKRUPTCY XXXX ( XXXX ) was properly associated with me and cited this information came from XXXX BANKRUPTCY COURT MIDDLE GEORGIA but no proof of my WRITTEN PERMISSION. This puts Advanced Resolution Services in violation of 15 USC 1681 ( b ) ( 2 ) because this company is obtaining and furnishing my personal information without my WRITTEN PERMISSION. I also have a letter from The XXXX BANKRUPTCY XXXX XXXX GEORGIA stating they do not report any personal information to any Credit Reporting Agency but the XXXX XXXX XXXX are allowed to use a public internet source known as PACER to collect my personal information, thus proving Advanced Resolutions Services is getting information from a public source and not me. For Advanced Resolution Services to knowingly TRANSFER, POSSESS, and USE my personal information is a violation of 18 USC 1028a ( Aggravated Identity Theft ), which is a punishable offense. I intend on holding Advanced Resolution Services liable for any undue financial hardships I suffer at the hands of their negligence of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2023 a dispute was filed on my behalf by XXXX XXXX for a XXXX XXXX ( XXXX ) TRANSUNION is reporting on my credit report. As of XX/XX/2023 I have yet to receive any results of my dispute. According to the FCRA, credit bureaus have 30 days to respond to a consumer 's dispute or the account should be DELETED. It has been 50 days with no response from TRANSUNION, which places them in violation of 15 USC 1681 ( i ). The only remedy for this matter is for TRANSUNION to delete this XXXX XXXX ( XXXX ) immediately. I intend on holding TRANSUNION liable for any undue financial hardship I've suffered by there negligence of the law and violation of my rights unless this DELETE this 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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-09-15 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: CA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 I became aware of an " invisible account '' by Wells Fargo. A former employee was visiting a Wells Fargo teller and cashing unauthorized checks. This went on for 10 years. Wells Fargo says I am responsible because I must review my monthly account. But, I am signed up for electronic statements and the account was not listed as an account on my dashboard. They refer to this internally as " an invisible account ''. Over the 10 years, the bank profited from the interest I was paying. I would like my money back and credited back to my small business.

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 2023-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Fairway Capital Recovery, LLC
State: NC

Complaint narrative:
When I answered the phone call I thought a medical company was calling me. She never stated that she was attempting to collect a debt until after she asked me my current address. And of course I gave my current address believing it to be in regards to a recent medical test. The company that called was Fairway Capital Recovery. 
After asking if it was XXXX XXXX calling me, she then stated the whole " this is an attempt to collect debt '' after asking my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I logged into the mobile app for my bank Desert XXXX XXXX XXXX. This app is password-protected and additionally has biometric data of my fingerprint and XXXX saved through my XXXXXXXX XXXX XXXX I applied for a XXXX credit card through the mobile app. These credit cards are issued by a partner bank, XXXX XXXX. 

Not only did I not receive any response from XXXXXXXX XXXX by email, telephone or U.S. postal service within 7-10 days as required by law, when I called cardmember services ( XXXX ) XXXX on XX/XX/XXXX to check on the status of my account, they claimed my identity was " unverified. '' They never sent me notice by email, telephone or XXXX postal service that there was an issue with my identity within XXXX days as required by law. They verified that they have my correct mailing address. They verified that they had my correct SSN and telephone number. 

They state that I have to FAX a copy of my driver 's license and Social Security card to them. As it is XXXX, I off course do not have a landline or fax machine. I am not going to the XXXX  Store to FAX my driver 's license and SSN card to anyone! I properly provided those documents in-person to XXXX upon opening my checking and savings accounts with them in XXXX, and I applied to XXXX XXXX through XXXX XXXX secure mobile app. 
The idea that my identity is unverified is absurd. 

Furthermore, XXXX XXXX refused to furnish the name of the credit reporting agency that gave them the information that my identity is unverified. I believe this is yet another example of XXXX 's failed verification service. As I have an open CFPB claim against XXXX, their continued denial of my existence is retaliation and yet another violation of federal law by XXXX. Additionally as XXXX XXXX is failing to furnish me the name of the CRA that gave them negative credit information, XXXX XXXX is also breaking federal law. I have a legal right to know which CRA is furnishing negative credit information and a right to confront my accuser.

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