vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 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: 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.

has violated my rights. Or list of inquiries 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 2023-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Im having a problem with cashapp. My XXXX XXXX XXXX daughter made a cashapp account using my social security number. I found out she has a borrow feature on her cashapp and she started borrowing money from cashapp. That makes the money she borrowed my debt. I told several people at cashapp, through phone calls, emails, and text support. They did not do anything about it. My daughters account is not even legal bc she lied about her birthday and she does not have my permission to use my ss number or to borrow money. Since no one did anything about this problem, I have since deleted my cashapp account. I will never use them again. My daughter still have her account and she still continues to borrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I keep being harassed by LVNV funding. But they always come back finding they did nothing wrong. Resurgent has closed the two accounts but lvnv funding. Is still reporting them. This isn't fair to me if they have closed something that LVNV funding is still reporting on them. resurgent capital. I would appreciate if they don't lie saying they haven't closed them. Or say they are unable to locate my account. One account is for XXXX and the other for XXXX XXXX XXXX  for {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Company called at 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 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

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 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

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 2023-06-30 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: NJ

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-06-30 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: NJ

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
The Collection Company did bot send any informational letter of how to dispute the procedure.

The Collection agency exactly at XXXX on the dot, in the morning automatically was calling to keep me informed. 

I agreed over the phone to pay the debt in exchange to not touch my credit. They agreed. After I paid, they reported negative credit. Another report is for a whole month worth of negative despite was paid in time. 

I called the company which the representatives informed me that they must report ; Which had breached our first agrement, which they did not honor. 



XXXX the original creditor, website, did not allow me to pay the past due showing no payment and lately deleted the whole account. 

XXXX Website and Mobile app failed to submit my car accident report, by showing website errors and eventually deleting all my data after I changed their insurance and they sent me to collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
- My credit card information was used fraudulently on XX/XX/2023 at XXXX XXXX  EST. 
- My credit card is with Bank of America ( Travel Rewards card ). 
- The card was used at XXXXXXXX XXXX store at XXXX XXXX in XXXX, XXXX. 
- The card was charged 3 times - {$540.00} ( approved ), {$190.00} ( approved ), and {$260.00} ( declined ), for a total of {$730.00} that I was charged with. 
- I IMMEDIATELY opened a claim and discontinued my credit card once I got text messages about the charges. 
- These charges were NOT MADE BY ME- I was physically at my place of work, XXXX XXXX XXXX in XXXX XXXX. 
- I have the phone number of multiple coworkers who can attest I was at work. I also informed multiple coworkers about the situation, they can attest I discussed my credit card information being stolen. The phone numbers of these witnesses/coworkers are : XXXX, XXXX, XXXX. 
- My claim was DENIED on XX/XX/2023. 
- I tried calling Bank of America to dispute and they were not helpful and told me to open a police 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 2023-06-30 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: TX

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2023-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revco Management, LLC
State: NC

Complaint narrative:
I am making this CFPB complaint regarding 2 phone calls I received from Revco Solutions. The first phone call was received at XXXX am, however I received a 2nd phone call at XXXX am ; a direct violation of Regulation F guidelines. Clarifies that a debt collector is presumed to violate the FDCPAs prohibition on repeated or continuous telephone calls if the debt collector places a telephone call to a person more than 7 times in a 7 day period, or within 7 days after engaging in a telephone conversation with the person. It also clarifies that a debt collector is presumed to comply with that prohibition, if the debt collector places a telephone call not in excess of either of those telephone call frequencies. I spoke with XXXX to attempt to explain this violation, who told me I was incorrect. I advised I would be publishing a complaint with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: NJ

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-06-30 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hi, I'm trying to file a complaint about an ongoing issue. I'm not sure that I've followed the correct prompts or that I'm reporting the most appropriate agency. 
The issue is that i currently have multiple injuries due to mostly work related incidents. I'm awaiting further medical treatment and unfortunately can not work until these medical issues are resolved. They interfere with my daily functioning. 
However, there seems to have been a gross level of privacy violation. I am currently involved in a housing program that requires either participants are gainfully employed or they must receive Social Security. My Social Security benefits were denied as they claim medical records from one of my treating providers weren't submitted. The hospital claims that..that isn't true. 
In the meantime, I reside in a group setting that is not really good for my mental or physical health. The participants dress up in bank colors... .red and yellow.. ( Wells Fargo ) ... .royal blue and white  ... ( XXXX ) and start violent arguments in closed confines. I think the thought is they're going to cause a staged raucous. And a result gain access to a purse and a bank card. There have been multiple violations with lost property at the security check..including items such as social security cards XXXX and driver 's licenses. I have made several police reports yet highly dysfunctional behavior continues. Thank You for your time and effort in resolving matters of this sort.

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 2023-06-30 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: GA

Complaint narrative:
The follwoing acounts are listed on my credit report as inquiries and I have no idea why or how they got access to my information. Please advise the credit bureau to DELETE. I have tried to call them and email them and they said I have to contact you all. These are fraudlent inquries and they are affecting my score : 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 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

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 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: NY

Complaint narrative:
Equifax is reporting unauthorized inquiries i did not consent to or authorize. I filed a dispute with Equifax to no avail. I will attach a copy of my filed identity theft report to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: MD

Complaint narrative:
I have inquiries on my credit report that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This has happened twice in XXXX years! The XXXX event happened today XXXX. 
Both events with BANK OF AMERICA! 
- Twice - BOA has allowed someone to open checking accounts in my name. Both times, my wife has received emails from BOA that MY account is approved. I have XXXX BOA accounts. They are using my social security number ( a whole nother BS topic for Congress ), an old address, etc. This time, BOA did tell me that the email address being used is XXXX Can someone get an IP address on this jerk? 
I tried to log into that account and it has a phone number ending in XXXX attached to it. I can't get any other details. BOA claim # is XXXX - Bank of America should have to monitor my credit for LIFE at this point. The also got me on a predatory loan years ago. 
- All of the Credit Bureaus are Frozen in my Wife 's, Mine and my Son 's names. This should NOT happen. Ever.

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 2023-06-30 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: PA

Complaint narrative:
I recently checked my report and noticed that XXXX XXXX account # XXXX is reporting a fraudulent account on my consumer report. I contacted them and directed them to remove this account because it is a fraud account and I didn't do business with them. I did not give my consent to any person or company to use my name and personal information to obtain goods or services. They did not prove the debt to be true by demonstration or by providing me an original contract with me being the signer for said accounts. The reporting agencies are reporting fraud accounts which violate my rights under the fcra. The reporting agencies did not seek my permission to furnish anything on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Credit report contain multiple inaccurate account information which has been disputed multiple times however is still appearing on report after I ha e made nu.erous attempts to.have it verified and corrected, the credit bureaus are accepting a final bill as a verification of claimed debt and not confirming it is even legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Credit report contain multiple inaccurate account information which has been disputed multiple times however is still appearing on report after I ha e made nu.erous attempts to.have it verified and corrected, the credit bureaus are accepting a final bill as a verification of claimed debt and not confirming it is even legitimate.

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 2023-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I transferred {$13000.00} through XXXX from my XXXX XXXX Checking  Account to My PenFed Checking  account on XX/XX/XXXX. I contacted PenFed  to complete a wire and i was asked to provide proof of funds, PenFed said that the funds will be on hold until i can show proof of funds. I sent screenshots of the transaction from my XXXX XXXX Checking  account. PenFed Reps told me that the screenshots would not work and i would have to provide a statement. When the statement was available i sent it on XX/XX/XXXX. On XX/XX/XXXX i called PenFed to check on whether they received the statement. The Rep i spoke to said that there was need for additional documentation, I asked to speak to a manager and get a better explanation of why i need to provide additional documentation and she said it was to establish if the XXXX XXXX account belonged to me. I supplied scans of my Driver 's Licence, Social security Card, a utility bill and my Permanent resident card. I called on XX/XX/XXXX to follow up and the rep i spoke to said that my account will be closed and that i should contact XXXX XXXX to do a reversal of transfer. Upon contacting XXXX XXXX, they said that a reversal on a successful transaction could not be initiated. 
I called PenFed to tell them that a reversal was not a possibility and i was told that the last resort would be for XXXX XXXX to write a hold harmless letter. i have talked to a XXXX of reps and managers at PenFed and all they say is that the security team has made a decision on my funds and they do not know the reason why. 
I've had no access to these funds since they deposited in my Penfed checking 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