vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I stayed at XXXX XXXX in XXXXXXXX XXXX - the room was {$330.00} and then {$100.00} deposit. I checked out on XX/XX/XXXX, no damages - hotel was {$330.00} total. I reached out to Cash App on XX/XX/XXXX as to why my account still was pending. They told me that if I provided them with a receipt that shows that my account was {$0.00} that they could release the funds. I sent them that, now it is now XX/XX/XXXX and my money has still not been released. I have emailed, texted, called, and they have no said they have 31 days to release my funds but I was never told this. I need help getting my {$100.00} back, I dont have the extra money to waste/lose. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
Complaint Regarding Persistent Billing Issues with XXXX XXXX XXXX  - XXXX XXXX To Whom It May Concern, I am XXXX XXXX, and I am writing to file a formal complaint regarding ongoing billing discrepancies with XXXX my payment processor. Despite multiple assurances from representatives regarding billing timelines and plan details, I have encountered consistent issues with unexpected charges and unclear billing practices. 

Upon upgrading my device, a representative assured me that I would not be charged until after a 40-day period. However, just one week later, I received an email demanding payment of {$150.00}, which was unexpected and contradictory to the initial agreement. Upon inquiry, I was informed of an additional {$170.00} owed, purportedly for a " register plan '' that I had not agreed to nor been adequately informed about. 

This is not an isolated incident. I have previously experienced similar problems with XXXX, including being billed for services that were supposed to be included in a XXXX plan and being falsely accused of non-payment for hardware that I had already paid for. Despite providing evidence of payments and resolving these issues with helpful representatives, I continue to face billing discrepancies and confusion. 

Furthermore, I have been unjustly sent to collections without prior notification or clarity on the amounts owed. I have never received any communication regarding the expected charges or when they would occur. Instead, I only receive notices when I am already in collections, creating unnecessary stress and frustration. 

In my recent interactions with XXXX representatives, I have learned that my plan with XXXX was not supposed to commence until XX/XX/XXXX, yet I have already been billed well in advance of this date, totaling over {$300.00}. Despite making payments, the billing irregularities persist, leaving me with mounting concerns about XXXX 's billing practices and the legitimacy of the charges. 

These inconsistent billing practices and lack of transparency are unacceptable. I have diligently documented all communications and evidence of payments to facilitate resolution, but the recurring nature of these issues indicates systemic problems within XXXX 's billing department. As a consumer, I expect fair treatment and clear communication regarding financial matters. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX rectifies these billing issues and implements measures to prevent similar incidents in the future. I appreciate your attention to this matter and look forward to a prompt resolution. 
I hope for a swift resolution and refund, along with a thorough investigation into XXXX 's practices by the appropriate authorities. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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:
AFTER REQUESTING DOCUMENTS TO SHOW PROOF THESE ACCOUNTS BELONG TO ME. THE COMPANIES DID NOT SHOW SUCH PROOF. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT SHOWING PROOF THESE ACCOUNTS BELONG TO ME.

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 2024-03-12 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: TX

Complaint narrative:
AFTER REQUESTING DOCUMENTS TO SHOW PROOF THESE ACCOUNTS BELONG TO ME. THE COMPANIES DID NOT SHOW SUCH PROOF. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT SHOWING PROOF THESE ACCOUNTS BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: GA

Complaint narrative:
This inquiry is unauthorized according to 15 USC 1681B2. This inquiry is listed as follows on my credit report as XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 2024-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
my XXXX XXXXXXXX XXXX I purchased in XXXX was repossessed after contacting the company saying I could not afford the loan in XXXX, they told me they would sell the car and let me know what was owed on the car after that, I was never contacted again until XXXX when they contacted my job with a garnishment request for {$5000.00}. I was told they ordered a judgment on me in XXXX but was never contacted and or served any sort of paperwork.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-12 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: AZ

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
I am reaching out to dispute an entry on my credit report that I believe has been mistakenly or fraudulently reported. According to my recent credit report, there is a debt listed under XXXX XXXX concerning a XXXX XXXX account. I must clarify that this account does not belong to me, as I have never attended XXXX XXXX or any other educational institution that would result in this reported debt. 

**Disputed Account Details : ** - **Collection Agency : ** XXXX XXXX - **Associated Institution : ** XXXX XXXX - XXXX XXXX : ** XX/XX/2023 - **Reported Balance : ** {$580.00} As a retired veteran, any educational endeavors I might pursue would be covered in full by the XXXX. XXXX, eliminating the need for any such accounts or the accrual of related educational debts. Therefore, the presence of this account on my credit report is both confusing and unjust, adversely affecting my credit score and financial standing. 

Given these circumstances, I am requesting : 1. A thorough investigation of the disputed entry, ensuring a review of any associated documentation that XXXX XXXX or XXXX XXXX XXXX have falsely linked to my identity. 
2. The deletion of this incorrect account from my credit report across all credit reporting agencies, should there be no legitimate evidence of my association with the claimed debt.

3. Provision to me of all evidence purportedly verifying my responsibility for this account, if such evidence exists.

4. Written acknowledgment of this dispute letter and notifications detailing the progress and outcome of your investigation.

Please understand the urgency and gravity of this situation. The mistaken debt is negatively impacting my financial reputation, and as such, I request your prompt attention to rectify this error in accordance with the Fair Credit Reporting Act ( FCRA ). 

I look forward to your timely resolution of this matter and thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express Customer Advocate Service Team has responded to my 1st CFPB Compliant # XXXX. The response provided by American Express Advocate Team did not address the issue nor provided any evidence to support their claim. I did provide Police Report, FTC Report and identification as requested ( multiple times ). 

Amex went on to claim as below - On XXXX XXXX we received the application for the American Express XXXX XXXX. On XX/XX/2022, we received the application for the XXXX XXXX XXXX American Express Card. These applications were approved and provided with your information on them. 

As requested American Express has failed to provide any evidence as of till date that I benefitted from the XXXX fraudulent accounts that Amex claims belonged to me. I AM STILL WAITING FOR EVIDENCE ON CARDS # XXXX AND XXXX. 

I have followed with Amex by over XXXX phone calls, unfortunate that Amex claims XXXX could not find the calls. I will wait the final outcome. Unfortunate that CFPB complaints are being closed without proper investigation nor responce as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax XXXX XXXX and XXXX still have not fixed the issues on my credit report my score was XXXX before they reported multiple inaccuracies on my report I have excellent payment history and I also have verification to prove they are not reporting accurate info this goes against Fcra guidelines and needs fixed XXXX XXXX is fraud needs deleted and removed from report XXXX XXXX payment history is on time and never missed Student loans are fraud and not mine needs deleted and removed form report ( Student loans have been on there over 7 years anyway ) have them remove it it goes against fcra guidelines XXXX is paid off account was never late once that is inaccurate Credit strong is excellent payment XXXXXXXX  is excellent payment And they did not report my account ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX is not being reported which is an account I had for years ) I am a XXXX individual I do not appreciate the credit bureaus for how they have attacked me for the last year and I would appreciate if you also will help fix this situation I will be in touch with XXXX XXXX on this matter because what the credit bureaus have done is discriminatory and Im tired of being attacked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I agreed to try a 15 day FREE trial of XXXX for my business. That trial started on XX/XX/23. After one day it clearly wasnt what they promised. I asked via email to get a return label. It took them over a week to reply. On XX/XX/23 I received a return label and sent their hardware back. 

I started receiving bills for XXXX XXXX I called to dispute the bill. XXXX XXXX  said to prove I was the owner of my account id have to call them from a XXXX store. 

I went to their store at XXXX XXXX XXXX. I spent over an hour on the phone after which I was assured all the charges were dropped. 

The bills kept coming. 

Then I got a letter from debt collector XXXX.i contested the bill. XXXX said theyd look into it. The got back to me with a bill. I dont owe anything. Please help resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-03-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act & Fair Debt Collections Practices Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under Title ; 5 USC 522a Privacy Act of 1974, commonly referenced as the fair information practice principles ( FIPPs ), 15 USC 1681 and 15 USC 1692 et seq.. 


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 BUSINESS ACCOUNT CAN NOT BE ON PERSONAL CREDIT REPORT AS PER TITLE 15 USC 1681, THESE ACCOUNTS HAVE VIOLATED MY RIGHTS.

15 U.S.C. 1681 section 602 A states tthat I ahve a 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 instrutions. I have NOT given permission or written instruction to furnish an account.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer agency may make any consumer report containing any of the following items of informantion ; Any other adverse item of information, other thatn records of convictions of crimes which antendates 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2024-03-12 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: MO

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. The inquiry was made without my consent or knowledge, and I have no affiliation with the organization that initiated it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions

Company response to consumer: Closed with non-monetary relief