vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-03-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T is refusing to release the title to my XXXX XXXX  I completely pay that loan off and the vehicle was refinance with a new credit union But M & T are doing fraudulent activity with I This account they send me all the satisfaction documentation and they cashed the check from the another financial center and by law know cant have two open loans on the same vehicle

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 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I transfered {$4000.00} from my bank account to my Paypal account. I made the transfer at XXXX AM on the XXXX of XXXX with the transfer completed by midnight on the XXXX. That never happened. I contacted them and they lied and said an electronic funds transfer takes 5 days. Yet I can send money from them to my bank instantly if I pay a fee. Paypal is simply refusing to complete the transaction and give me my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. 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 2022-03-25 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. 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 2022-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent money to a person in XXXX through a money transfer app. I worked with this company before and never had a problem with them when I used my regular bank card. This time I decided to use my cash card that cashapp advised me to open. It's basically a card that you can keep money on in cashapp and you don't need to transfer the money to your bank card for a fee. You just use this card as a debit card. So this payment didn't go through due to some incorrect info of the receiver. The pay transfer money informed me and sent me a reply saying that they did not charge the money, they just reversed them back to my account. To my cash card in cashapp basically. I've reached to cashapp multiple times asking where this money is and to send me an ARN code showing that the money went out of the account which they're saying they did go out but the money transfer app saying they never took that money. I've filed at least XXXX disputes on cashapp, reached to them through their app support. They are not doing anything to help. All they keep saying is they don't have any info at this time. The amount is not small and I wouldn't go to all of this hassle for {$5.00} but it is {$180.00} and this is not small money for XXXX where i was trying to send it to. Now I can't even resend it because cashapp just decided to keep that money and not return it to my card. This is very disappointing because they don't even try to help. At all. I'm very disappointed with this Cashapp app as I've been a Cashapp user for awhile and they are good while you don't have any problems but when you do have an issue with them theh don't care about their customer. As soon as I resolve this issue I will be deleting my account with this app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2017. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2017. The account status is wrong and should be closed. Now, I want you to remove this misinformation on my file. 


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 2022-03-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed this XXXX XXXX and XXXX has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2017. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2017. The account status is wrong and should be closed. Now, I want you to remove this misinformation on my file. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2017. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2017. The account status is wrong and should be closed. Now, I want you to remove this misinformation on my file. 


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 2022-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have several accounts opened in my name on my credit reports in which I have followed the dispute process and all have been asked to be removed and that I claim 0 responsibility. This is all accounts except for my active XXXX account thats not listed, my Applied bank credit card, pretty much what I havent disputed is fine. I need these items removed immediately for it is impacting my credit worthiness and has been impossible for me to apply for anything. 

Thanks 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 2022-03-25 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: The Outsource Group, Inc
State: MD

Complaint narrative:
On XX/XX/2021, MEDICREDIT, INC, has added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to FCRA, MEDICREDIT, INC. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: FL

Complaint narrative:
My credit/XXXX with XXXX is always lower than other bureaus. My Identity was stolen by them twice and in order to " boost '' my credit scores they want us to list all accounts/bills we pay w bank account passwords and direct connection to be accessed by them. I think it is ludicrous. It is not safe to have any info with them. I hate that company. 
1- My credit score suffers bc they have derogatory info about late payments to XXXX XXXX from 6 years ago that was caused by having 2 different cards and getting mixed up about the 2 accounts. One was paperless billing the other was not. I wrote XXXX and XXXX to no resolve. They did NOTHING. 
2- MRSBPO - also late payments because I had a dispute with XXXX XXXX. I paid thru XXXX at the time but was directed to that page and did not know what XXXX  was. I NEVER had the resume service I paid for because it was exactly when COVID happened in late XXXX early XXXX  I was NOT about to return to work as an XXXX. I am a widow with XXXX kids. I requested to cancel the resume service from XXXX XXXX who claimed they had no connection to XXXXXXXX XXXX i guess paid them {$180.00}. As I tried to explain to them I did not get the service and wanted to cancel XXXX  sent me to collections with MRS BPO.

3-I finally paid MRS BPO because it was useless to recover my money and my credit has been kept lower because of this COLLECTION agency but now they are attempting to collect it again and it is reflecting on my credit. I need to apply for a mortgage and need my scores to be reassessed. I NEVER missed or was late on my house mortgage for 17 years. I think it is wrong to have these companies ruin the lives of consumers and hold us hostages when their service is mediocre at best. I can provide any records/communication you desire.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I sent over a letter to have hard inquiries deleted from my credit reports along with a copy of a police report but my hard inquiries have yet to be deleted. I am sending this complaint because the negative information needs to come off my credit reports 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 non-monetary relief
Consumer complaint received 2022-03-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have several accounts opened in my name on my credit reports in which I have followed the dispute process and all have been asked to be removed and that I claim 0 responsibility. This is all accounts except for my active XXXX account thats not listed, my XXXX XXXX  credit card, pretty much what I havent disputed is fine. I need these items removed immediately for it is impacting my credit worthiness and has been impossible for me to apply for anything. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: IL

Complaint narrative:
I have several accounts opened in my name on my credit reports in which I have followed the dispute process and all have been asked to be removed and that I claim 0 responsibility. This is all accounts except for my active XXXX account thats not listed, my XXXX XXXX  credit card, pretty much what I havent disputed is fine. I need these items removed immediately for it is impacting my credit worthiness and has been impossible for me to apply for anything. 

Thanks 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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-03-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!

2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account 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 non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Sent a letter to Equifax regarding hard inquiries showing on my credit report that need to be removed. A copy of the police report was also submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report.Unauthorized use of my 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 2022-03-25 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 non-monetary relief