vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: GA

Complaint narrative:
I have reached out to Cash App repeatedly regarding my mobile deposit of {$1100.00} on XX/XX/XXXX. It's been 12 days and they still have not released my deposit. They keep saying it's in review or that they have a system glitch. I desperately need my funds in order to move and if thefund are not released my family and, I will be facing homeless. They said it would take 4 business. Can you help with this matter? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: IA

Complaint narrative:
There is an unauthorized inquiry on my credit report that is hurting me tremendously, creditors can not verify the inquiry nor do they have a permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
Collection agency closed last dispute as duplicate, when it was never resolved. I have never even received written communication from them. I have requested a physical signature, picture id and proof of verification before leasing an apartment in my name. A police report has now been filed. 

See Original complaint.. 
Please have this company provide a copy of the drivers license and a copy of the social security. Show a physical signature to pick up keys, not an electronic signature. 
XX/XX/XXXX, XXXX XXXX Complaint Details.. I have provided a police report, social security card, drivers license, previous divorce paper, new marriage license, and my last three leases to show that I have lived in XXXX since XXXX XXXX  XXXX. I called XXXX XXXX back in XX/XX/XXXX, spoke with XXXX again and asked him the status of this, he told me that they have been in touched with apartment complex and requested a copy of the lease and a copy of my drivers license and was told by XXXX XXXX XXXX XXXX that they did not have this or any file for me. I asked him why then is this on my credit report and he told me that the apartment complex has 30 days to provide documentation. I explained that me and my husband are trying to purchase a restaurant, he told me he understood. In the beginning of XX/XX/XXXX I called National Credit Systems back, spoke with XXXX again. This time he had an attitude, I told him that my restaurant deal fell through because of this collections on my credit report. I asked him why has it not been removed he told me that they did not receive a police report with my fraud packet. I told him I don't have to file a police report I am and have been in a different state, that the apartment complex can't even provide a lease or a drivers license that this is not right because this debt is not mine. I told him I was going to file a complaint, and he told me OK do that. This debt is not mine, they know this and will not remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: IL

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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: IL

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.

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 explanation
Consumer complaint received 2023-05-22 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:
Somebody used my information to obtain an apartment in my name. I have reported it to the apartment complex, the collection agency, police department, Federal trade commission, and reported the apartment complex and collection to cfpb. The collection agency has not provided me any documentation with a physical signature a picture ID, or even a collection letter. I have provided everything to the collection agency without even a written response from them. I have provided my information and all my documents to Transunion XXXX XXXX and they will not remove this information 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 explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
Hello, This my final warning that I explicitly explained to you this account is not accurate and not complete and you have continuously keep reporting this account 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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:
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.

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 2023-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX refuned me {$110.00} on XX/XX/2023 cash app said I spent XXXX at XXXX XXXX XXXX the same day. Then they told me it for for a payment from XXXX XXXX XXXX  from XX/XX/2023. I have bank statements screenshots showing that transaction was completed the day of. Now cashapp will not give me my refund there was no pending transaction in my account at the time. I contacted XXXX XXXX XXXX  and they informed me the payment from XX/XX/2023 was completed that day and they reassured me they didn't charge me twice. It doesn't even show on cashapp they charged me again customer support sent that in a message when I contacted them but they showed me no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC
State: TX

Complaint narrative:
Mutual Management Services has been reporting inaccurately on my credit for a debt that they have never furnished ANY documentation for. I have sent multiple debt validation letters to their address listed on my credit reports, and I have personally received multiple calls from them ( just within the month of XXXX ) where they stated that they " do not respond to letters '' and that they would send the debt validation to my email. I have verified with them on multiple occasions my correct email, and they still have never sent it, most recently citing that they " had no record of speaking with me ''. Interestingly enough the email they had on file prior to their initial call in late XX/XX/2023, they had an incorrect email at which time I provided them the correct email. On the call where they stated they had " no record of speaking with me '', they still seemed to have the correct email on file. 

I have 3 issues : Firstly, this company has broken the law by not responding to any of my written or verbal communications as mandated in CFPB 1006.4.

Secondly, they have made promises to communicate regarding the validity and accuracy of said debt, and have never followed through despite multiple attempts and pleas for them to do so.

Thirdly, I wholeheartedly disagree with the amount they are proporting that I owe them. I have made multiple attempts to make this right by reaching out to get information on this alleged debt, contacting the original creditor who has no recollection or information on alleged debt, and even offering to settle- to no avail.

This company ( despite being unable to prove the alleged debts accuracy ) has regularly been furnishing late payments and increased balances on my credit report for a debt that I do not owe. This has caused harm on my ability to be approved for credit and my ability to obtain housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: MI

Complaint narrative:
New and updated information in reference to complaint # XXXX Transunion is ignoring my dispute of their reinvestigation process under XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. I included in my complaint a letter from Bankruptcy court stating that they do not communicate with any Credit Reporting Agencies. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) ( A ) Transunion is in Violation of this law and are ignoring my request to delete Bankruptcy 's from my consumer report, TransUnion states that Bankruptcies are verified and updated but have not contacted the US Bankruptcy Court I have attached proof of this to this complaint and previous complaints I would like to add that Transunion is also in Violation of 614. Restrictions on investigative consumer reports [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. None of the times that I listed in previous complaint # XXXX Transunion did not follow this law and never has when I have disputed my consumer report, response to complaint # XXXX states In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -DELETED XXXX XXXX XXXX MICHIGAN-VERIFIED AS REPORTED I have 2 Bankruptcies that were on my consumer report Case # XXXX was deleted as part of that complaint but Case # XXXX was not deleted by Transunion as stated in the response to complaint # 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 2023-05-22 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: MO

Complaint narrative:
Hello, This my final warning that I explicitly explained to you this account is not accurate and not complete and you have continuously keep reporting this account 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2023-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: DE

Complaint narrative:
Good afternoon I am the owner and manager of XXXX XXXX XXXX XXXX My company sent funds to the counterparty XXXX XXXX and XXXX XXXX as payment for the contract - in the amount of USD XXXX ( payment order No. XXXX dated XX/XX/2022 ) ; Correspondent bank of THE BANK OF NEW YORK MELLON. Information about payment in the annexes to this letter. Payment have not been received by the recipient. As far as I know, this payment is blocked. I ask you to help me set the details and the date of blocking this payment. I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payment. Early I try to get iformation about this payment, but the bank sent me an answer about another payment. 
Sincerely yours, General Director of XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I have been with Title Max for almost 5 years as of 2018 to pay off the XXXX I borrowed. Over the last 5 years I have made payments in excess of over XXXX because the note was XXXX a month or the full amount by the next installment date. But since I lost my business I have been late on my payments they did a repossession last XXXX on XXXX XXXX XXXX XXXX XXXX. Now I have been trying to make 2 payments a month just to get rid of the Company. But I do not know how to do this. This past Saturday I got a notice repossession because I only made a partial payment. I owe {$660.00} as of XXXX XXXX I will make this payment. But every payment I make does not make the initial loan go down in anyway. Also I am told to go to their website and signed the renewal every time. That just make me sign the whole loan agreement over every time at 136 % interest rate. Can someone give me some advice please.

Company response to consumer: Closed with explanation