vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have been scammed by someone using Cash App and I received no help from Cash App to recover my money after I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Wakesfield and Associates account XXXX, has violated my rights. 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 instruction. 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 instruction. In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX, has violated my rights. 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IL

Complaint narrative:
Our lease ended in XXXX 2023 and I inquired about final utility payment. The management company told me they would reach out in a couple months. Guess what? They never did and now I have a debt collector emailing us a couple months later and our credit score has gone down. This is absolutely ridiculous and unnecessary. Shame on you XXXX  XXXX. You already had lost our rental agreement and now this? Pathetic company. I want my credit score fixed and proper notice. What a scam of a company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
( Bridgecrest ) all XXXX reposted vehicle that I bought, in which they sold me a faulty vehicle..was willing to settle with company but they have track records of class action lawsuits and settlements for fraudulent activitiesand which Ive tried contact XXXX number on file which isnt active

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 2024-01-03 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter 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 2024-01-03 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: IL

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: OH

Complaint narrative:
On about XX/XX/2023 I placed an order for an incense ceramic piece and incense cones from The XXXX XXXX. When completing the order online their website added all the extra club and additional products when I clicked on no thank you and charge my Self Credit Card a total of {$90.00}. When I received the product it was of poor quality and I returned the product to the merchant. The merchant has refused to return my monies so I opened a dispute with Self Credit Card ( by Lead Bank ), to which they repeatedly denied the dispute in the merchants favor. I provided Self dispute department with the UPSP receipt and proof that I sent the product back and the tracking number as well. They still denied the dispute three times. Their dispute department is very difficult to work with and they do not document anything the consumer is telling them. I have attached proof of the product returned. 

Self Dispute Case # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST CREDIT FINANCE
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act FIRST CREDIT FINANCE Account XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: OH

Complaint narrative:
Immediate Action Required : Security Breach Demands Resolution Within 24 Hours Dear Exqufix Representative or Appropriate Contact I am writing to express my absolute outrage and frustration concerning the alarming security breach that has exposed my personal information on your platform. The evidence I provide is indisputable, revealing a shocking negligence on your part. 
Unauthorized accounts linked to my name, including XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX, reflect a severe violation of your duty to secure user data. 
Inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX only intensify my apprehension about the incompetence of your security measures. 
The addresses associated with my profile, spanning multiple locations, and the list of phone numbers, indicate a gross failure on your part to protect user information. This is utterly unacceptable. 
I demand that you take immediate action within the next 24 hours to : * Remove any and all unauthorized accounts linked to my name. 
* Conduct a thorough investigation into this security breach. 
* Provide transparent communication regarding the steps you are taking to prevent such breaches in the future. 
* Address the issues with late payments promptly. 
Failure to comply with these demands within the stipulated timeframe will leave me with no alternative but to pursue legal recourse and report this breach to relevant regulatory authorities. 
This is not a negotiable matter. Your immediate and decisive action is required to salvage what little trust remains in your platform. 

Sincerely, XXXX XXXX accounts : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX  Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX XX/XX/XXXX Phone Numbers : Phone Number ( XXXX ) XXXX Phone Number XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report is showing a number of errors and it is causing me a lot of unnecessary stress. I desperately need to find a new place to live and these inaccuracies are making it impossible to find a place where I will be approved. If I can not find a new place to live soon I am going to be homeless. I insist these inaccuracies be removed at once as it is a violation of my rights and is having a dire effect on my life.

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 2024-01-03 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: PA

Complaint narrative:
My credit report is showing a number of errors and it is causing me a lot of unnecessary stress. I desperately need to find a new place to live and these inaccuracies are making it impossible to find a place where I will be approved. If I can not find a new place to live soon I am going to be homeless. I insist these inaccuracies be removed at once as it is a violation of my rights and is having a dire effect on my life.

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 2024-01-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank is advertising a 6 month CD rate 5 % interest. Yesterday, ( XX/XX/XXXX ) I responded to the offer and opened a CD account with {$50000.00}. I visited the bank to find out about the interest rate and was told I would only receive {$610.00} interest at the end of XXXX months. I requested them to close the account stating TD bank was using deceptive advertising, and I was told I would be assessed a penalty of {$600.00}. I explained that I had just opened the account an hour before I visited the bank, the manager said it did not matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they are erroneously reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2024-01-03 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: TX

Complaint narrative:
This complaint is regarding Cash App. 
XX/XX/2023, XXXX XXXX, someone hacked into my cash app and linked a bank card to my app and did an instant transfer of {$250.00}. 
I called Cash App and submitted a dispute. Cash app said they would investigate and could take up to 10 business days. Within 2 hours my dispute was denied, and the claim closed and the email I received told me to submit a request for documentation that was used as part of the investigation. I submitted the request for the documentation and received back a one line that had no new information other than the fake name of the person doing the transfer " XXXX XXXX ''. I would never refer to myself as XXXX XXXX. It should be noted that if someone is going to link their financial institution to their app, the name on the account should match the Cash App owners name. In this case it absolutely did not match. 
I have subsequently opened another dispute and since the first dispute was denied Cash app denied my second dispute. I called in and opened a third dispute and cash app closed that one because the first two were denied. Now they will no longer allow me to submit a dispute and I have been doing the investigation they should have done. I have called the bank where the transfer funds were sent. They state they are a pass thought and have 250+ card issuers they partner with. 
Based on the first 4 numbers and last 4 numbers on the card that was fraudulently linked to my cash app, and the APN reference number of the transaction, the bank is trying to track it down but needs all the card numbers linked to the transaction and Cash App is refusing to give this information to me. 
Cash App should be held accountable for allowing this fraud to happen and should be doing a more thorough investigation. I have spent countless hours doing my own investigation to recover my stolen money. Cash App refuses to do anything further on this matter. 
Please call me so I can provide you with all the evidence to this point. I am at a loss as to how I can recover my stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TX

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.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Original Creditor Name THE RIDGE ON XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 




In accordance with the Fair Credit Reporting act XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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 2024-01-03 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: TN

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 explanation