vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: TX

Complaint narrative:
In accordance with the fair credit reporting Act XXXX  Accounts # # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXXXXXX XXXXXXXX XXXX Violated my rights 15 U.S.C ( 1681 ) SECTION 602 A STATES THAT I HAVE THE RIGHT TO FAIRNESS, Impartiality, and privacy 15 U.S.C 1681 Section 604 A Section 2, 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 non-monetary relief
Consumer complaint received 2022-09-28 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: TX

Complaint narrative:
In accordance with the fair credit reporting Act XXXXt Accounts # # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX Violated my rights 15 U.S.C ( 1681 ) SECTION 602 A STATES THAT I HAVE THE RIGHT TO FAIRNESS, Impartiality, and privacy 15 U.S.C 1681 Section 604 A Section 2, A Consumer Reporting agency Can not Furnish A Account without My written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted XXXX over the phone and they deleted the inquiries that werent mine. 

XXXX XXXX and XXXX are a night mare to deal with. 

I should have only these 2 inquiries. 

XXXX XXXX on XX/XX/2022 XXXX card XX/XX/2022 I dont even own a car so why would I try and get a XXXX XXXX XXXX XXXX. XXXX happened the same day as XXXX XXXX and I hadnt run a credit report in 12 years. There is also a XXXX XXXX and a discover I have a service called credit wise through XXXX  XXXX that says they ran a scan in the dark web and my SS # and email password had been compromised.

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 2022-09-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted disputes and the FTC report for the fraudulent accounts that were opened using my identity and credit. After Equifax, XXXX, and XXXX conducted their investigation of the following accounts they still refused to remove these accounts which are fraudulent. 

EQUIFAX Merchants Adjustment - Account Number XXXX - Amount : {$360.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAXXXXXTRANSUNION XXXXXXXX XXXXr XXXX Account Number XXXX - Amount {$600.00} XXXX XXXX - Account Number XXXX -Amount : {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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 dont understand how these people are getting ahold of my credit information. I NEVER had a XXXX account a day in my life so i Don't know what this Collection is about. The other 2 accounts XXXX and XXXX XXXX XXXX are linked to addresses that I've never heard of nor lived at in my life. I have lived at my current address since 2016 and i am still a current residence. Also Inquiries from : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Seems like someone is trying to use my credit to shop for a car. I am not looking for a car at the moment. Please delete these inquires as I did not apply for ANY of these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 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 dont understand how these people are getting ahold of my credit information. I NEVER had a XXXX account a day in my life so i Don't know what this Collection is about. The other XXXX accounts XXXX and XXXX XXXX XXXX are linked to addresses that I've never heard of nor lived at in my life. I have lived at my current address since 2016 and i am still a current residence. Also Inquiries from : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. Seems like someone is trying to use my credit to shop for a car. I am not looking for a car at the moment. Please delete these inquires as I did not apply for ANY of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB + TransUnion, According to my XX/XX/2022 XXXX XXXX  credit report you are *still* reporting inaccurate information and refuse to fix this - even though I have filed numerous complaints. 

TransUnion, you are *not* properly investigating these and I demand that you do. 

Attached to this complaint is : - my drivers license - my social security card - my mailing address - my long and detailed written complaint - my complete XXXX XXXX  report dated XX/XX/2022 You need to have these accounts removed immediately as you are reporting them inaccurate and refuse to fix.

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 2022-09-28 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
I requested validation twice. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. They should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 ay validation request to prove i owe the debt to XXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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:
This is a notice of Cease and Desist. Violating this code is a violation of the FDCPA. Transunion will be civilly liable under Title 15 US Code 1692. If Transunion fail to abide by my cease and desist order I the natural person and consumer has had my rights violated by Transunion. I will also be mailing the physical cease and desist as an exibit

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 2022-09-28 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX had an inquiry on my account via XXXX XXXX that I did not 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 non-monetary relief
Consumer complaint received 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App services has not only taken my legitimate student loan refund money, they are now refusing to cooperate and holding the sum ransom in the following ways : - they are not indicating why the money is being held or rejected. 
- they can not provide a timeline of when this will be resolved. 
- they are not providing any details whatsoever regarding what the issue is. 
- they are in violation of the CCPA as they can not provide any details whatsoever for fraud and theft of money that is mine. 
- The associate can not even give me their own name. 

They can not or do not even have proper procedures in place to be able to send the transcripts of the support chats when asked which is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: UT

Complaint narrative:
I need my case reviewed. Everything is explained in the documents that I attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX {$2500.00} was transferred from my bank to Google Pay to be used to buy a car. Google refuses to give me my money, Shortly after that transaction I closed my account with that online bank and opened another account with a different bank. Google keeps saying I have to reinstate my old bank account, but I cant its been closed.. I had the bank send me a letter stating this and I forwarded to google. They still insist that I re open the account. They also claim they can not verify who I am, thats a bunch of XXXX, I have sent them copies of my drivers lic along with my social security card several times and it has done no good.. How can a company this large just steal peoples money? I wont give up that is a lot of money to me and it caused me to loose another {$2000.00} I had put down as a down payment on a car. If you cant help me Ill be forced to hire an attorney and sue for 3 times the amount to cover my losses. 

Thank You PS : I send them a letter almost every week and i get the same answers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C section 602 A. states'| have the right to privacy.15 U.S.C 1681 section 604 A : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 2022-09-28 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:
in accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 15 U.S.C section 602 A. states'| have the right to privacy.15 U.S.C 1681 section 604 A : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I woke up early morning at XXXX XXXX on the XXXX of this month to an email from Chime notifying me that my bank accounts ( savings and checking ) had been closed, the email stated no reason why but noted that I would be mailed a check once the balances on my accounts settled, I had no open balances so I also should be receiving my savings in full back. 

I also was due to get paid on XXXX the XXXX and called my job on the XXXX to notify them immediately to which they said that my check for Wed had already been deposited meaning Chime has that as well and accepted a check into a CLOSED account. I own XXXX dogs and care for my grandmother with XXXX and now the XXXX of us are starving and have no food in my home because my bills and meals depend on my weekly checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: CA

Complaint narrative:
I contacted XXXX over the phone and they deleted the inquiries that werent mine. 

Trans union and XXXX are a night mare to deal with. 

I should have only these 2 inquiries. 

XXXX XXXX on XX/XX/2022 XXXX card XX/XX/2022 I dont even own a car so why would I try and get a XXXX XXXX XXXX XXXX. XXXX happened the same day as XXXX  XXXX and I hadnt run a credit report in 12 years. There is also a XXXX XXXX and a XXXXr I have a service called XXXX XXXX through XXXX  XXXX that says they ran a scan in the dark web and my SS # and email password had been compromised.

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 2022-09-28 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: CA

Complaint narrative:
I contacted XXXX over the phone and they deleted the inquiries that werent mine. 

XXXX XXXX and equifax are a night mare to deal with. 

I should have only these 2 inquiries. 

XXXX XXXX on XX/XX/2022 XXXX card XX/XX/2022 I dont even own a car so why would I try and get a XXXX XXXX XXXX XXXX. XXXX happened the same day as XXXX XXXX and I hadnt run a credit report in 12 years. There is also a XXXX XXXX and a XXXX I have a service called XXXX XXXX through XXXX XXXX that says they ran a scan in the dark web and my SS # and email password had been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I have had my vehicle for over 2 years now and I refinanced back in 2021 not understanding about what it meant to refinance the vehicle and my loan payment increased when I was actually closer to paying off my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, we have initiated a bill pay payment of {$6000.00} from my Chase Bank business checking account to my landlord XXXX XXXX XXXX This is for my XX/XX/2022 store lease payment. 
The check was generated and mailed out from Chase Bank on XX/XX/2022. 
However, two weeks later, my landlord reported that he did not receive it. 
Then in the following week, I noticed the check has been deposited as I can see the image in Chase online and the recipient name was changed to XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX. None of us recognize this person 's name or address. We have immediately reported a check forgery claim to Chase. However, we have not yet received any update from them or refunding any amount of the check. This is a federal crime. I hope they can expedite this and take this seriously. This kind of service is unacceptable. It is chase fault for allow a check that was modified to be deposited. I do not understand why we are still refunded. on the wrong doing.

Company response to consumer: Closed with monetary relief