vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: MD

Complaint narrative:
XXXX, XXXX and Transunion are reporting false information on my credit report. Addresses, accounts and names that aren't mine. One of the addresses was in Texas and I've never lived in Texas or visited the state. I've tried multiple times with each credit bureau to resolve the matter but nothing has happened. These companies are violating my rights and privacy to personal information 15 USC Section 604 A Section 2. These institutions are falsely reporting XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX 's XXXX, XXXX XXXX XXXX XXXXXXXX inquires XXXX This needs to be resolved.

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 2022-05-24 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: MD

Complaint narrative:
XXXX, Equifax and XXXX are reporting false information on my credit report. Addresses, accounts and names that aren't mine. One of the addresses was in Texas and I've never lived in Texas or visited the state. I've tried multiple times with each credit bureau to resolve the matter but nothing has happened. These companies are violating my rights and privacy to personal information 15 USC Section 604 A Section 2. These institutions are falsely reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquires XXXX This needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. states a consumer 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 an account without my written instructions.

15 U.S.C 166 B : A creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Block, Inc.
State: OK

Complaint narrative:
I have filed my tax return with XXXX XXXX for the years of XXXX, XXXX. This year they turned it over to Cash App Taxes, so I filed my XXXX return with Cash App Taxes on XX/XX/XXXX. They gave me the option to have my refund deposited with Cash App, with whom I have an account which I have used in the past. The terms of service for Cash App Taxes states that you must have an account with Cash App to file taxes with Cash App Taxes. The account number on my Federal and State Returns is : Routing XXXX Acct : XXXX ( the same number on my Cash App Acct. ) My Federal Refund was sent to that account with Cash App in the amount of {$740.00}. on XX/XX/XXXX and Cash App returned the amount back to the originator. That meant I had to wait another week to receive a paper check. Now my State Refund in the amount of {$2000.00}. was sent to that account on XX/XX/XXXX and again Cash App returned the amount back to the originator. I have talked to customer service over the phone and have communicated via email so many times, I have lost count. They just keep saying I have to submit a photo with my drivers license in the photo, front and back, which I have done twice. Still no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: PA

Complaint narrative:
On XX/XX/2021 I disputed an alleged bankruptcy that is reporting on my Experian report. The agency did not make sure the information reporting was accurate according to federal law and my rights as a consumer have been violated. Attached is the document I received from Experian on XXXX XXXX, stating that the information is accurate. I never received any information regarding the status investigation prior to this date, nor was any information requested of me to verify which information is accurate and which is not. I have already found numerous inaccuracies regarding this item, such as the reference number used, and the knowledge of information Experian purchased from a third party without my consent for the agency to do so. Additionally, Experian also stated that the company has reported the information. Attached is a formal letter from the company, which Experian claims the company verified the information. Experian has caused me a great deal of stress regarding this issue. My privacy and my ability to be approved for credit have been violated.

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 2022-05-24 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:
XXXX dealership ran my credit without permission, I have written consent from the dealership stating they should not have run my credit and did not have authorization to do so. XXXX XXXX XXXX is denying the request to take it off my credit even though I have shown proof they need to delete this inquiry. They are committing fraud at this point and need to be investigated.

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 2022-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Patenaude & Felix A Professional Corporation
State: WA

Complaint narrative:
I was sued for an open credit account in XXXX XXXX XXXX XXXX. I am not a XXXX XXXX resident. The contract has an arbitration clause. When I answered, they asked the court for an exparite motion to dismiss as they were not pursuing the lawsuit. 

This is after I had already filed an arbitration case with XXXX. 

I have a couple of concerns about this debt collection firm and XXXX XXXX - their client. 

Are they going after people in a different county to garner an easy default judgement or to strong arm a person to contact them to make payment arrangements via the filing of frivolous lawsuit -they know that they have waived their right to arbitration when they wrote the contract with the arbitration clause. But are using a system that they bar consumer from using. The filing of a lawsuit by an attorney is threatening to people and is an unfair advantage over other law-abiding debt collectors who do not violate the contact their client wrote to collect money. Their lawsuit is a breach of the contract they wrote. 
Upon filing my motion for dismissal or compel arbitration, they sent an expatriate motion to dismiss the lawsuit by saying they were not pursing any legal action at this time. The case is XXXX XXXX XXXX XXXX XXXX XXXX. 

I have attached the amended complaint I sent to XXXX. 

They did the same thing in XXXX XXXX case : XXXX My biggest concern is that people are being strong armed by an attorney or flat out having their checks robbed of ill-gotten gain from a national corporation and their questionable attorneys who breach the contract with every lawsuit. They volunteered to cut the courts out via an arbitration clause. They should have to live with that choice. My hope is that the state would look into the hundreds of cases filed by this group and return the ill-gotten gains back to the consumers along with an injunction stopping them from filing any frivolous claims in a court room. They choose to use the arbitration venue and they should be forced to use it from here out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: PA

Complaint narrative:
Experian is reporting an account on my credit profile that I did not give written consent. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX 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 an account without my written instructions. 

Experian opened my dispute on XXXX XXXX, 2022 and completed the dispute on XXXX XXXX, 2022. This seems impossible to believe they did a proper investigation. I still have not received any documents authorizing my consent to have this reporting on my credit profile. 

In addition, XXXX XXXX  has not provided any documents with my signature. This is a violations of my federal rights!

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 2022-05-24 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: Glacier Bancorp Inc.
State: MT

Complaint narrative:
I paid my car loan off in XXXX 2022. My account is reported to the credit reporting agencies on the XXXX of each month. The bank is still reporting this account as owing over {$9000.00} which is incorrect. I have requested that the update their reporting and have heard nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: NC

Complaint narrative:
I called the fraud department at Transunion to inform them that there are some inquires on my report that I didn't make. I explained to the rep that I called each creditor and since the inquiry is over 30 days old they can't access the file or give me a letter but the rep insist he couldn't help me and he was a supervisor. I could barely understand him for the strong language barrier and he hung up. Below is a list of credit inquires that I want removed asap from my report since I didn't apply for credit with these companies. 

XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/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 2022-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discovery Bank claims that I owe {$830.00}. I've asked Discovery to send me the original contract for this account. They can not provide any documentation with signatures. They are claiming this debt is mine through a history of transactions. They have not properly investigated this account. 

In addition, they written this debt off and claim that I owe a debt they've falsly attached to my name. Please provide my signature to this debt or DELETE IT! 

This is abuse of power and this federal violations has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of Federal Trade Commissions Identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: The CMI Group, Inc.
State: TX

Complaint narrative:
Credit Management LP reported to my credit reports inaccurate information to all three credit bureaus. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. According to the FCRA 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting : Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Per the law ALL information should be accurate that is reported to the credit bureaus. This information is not accurate across all credit bureaus which directly violates my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: MS

Complaint narrative:
BEEN CONTACTING THEM FOR ALMOST A YEAR ABOUT REMOVING THIS FRAUDULENT INFO FROM MY FILE AND NO ONE IS HELPING ME. I FILED A REPORT WITH FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
It took citibank months to get my card to my house, I had to cancel 3 or 4 different cards with them cause they kept sending it who knows where. I repeatedly had to call and give my address which they continued to get wrong and refused to actually take any time to see why it wasn't getting to me. They kept blaming my post man. I finally fix that issue and just received my card this passed Friday, it is now Tuesday and I have received XXXX phone calls, about every XXXX hours, until I blocked the number. I am currently sick and it is painful to even have my eyes open, not to mention I simply don't have the money until Friday. If the employees were even relatively competent, I would have had the card long ago and had no problem making the payment on time. Now that they lost my card multiple times, the card is in an overdue status as I require the card number to open the online account. My bottom line being, they took forever to get my card here, there is absolutely no reason they should be harrasing like this to get a payment. They can wait a week for payment, not to mention no other company has ever harrased me like this for any reason.

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 monetary relief
Consumer complaint received 2022-05-24 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:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX/VETERANS XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX/VETERANS XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I paid my car loan off in XX/XX/2022. My account is reported to the credit reporting agencies on the XXXX of each month. The bank is still reporting this account as owing over {$9000.00} which is incorrect. I have requested that the update their reporting and have heard nothing from them.

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 2022-05-24 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: AR

Complaint narrative:
On XX/XX/2022 I submitted my Identity Theft report through this website along with my identification. I will upload my complaint copy with my other documents. I also uploaded a notarized copy of my FTC Identity Theft report. The FCRA stated that is all I need and a statement acknowledging that the accounts resulted in identity theft and that I don't assume or accept responsibility. ! 5 USC 1681C-2 ( A ) The local police department also stated that as long as the Identity Theft report was notarized and has a report number from the Federal Trade Commission , that's all I need. The company has 4 days to block and delete the information. I received an email from one of the companies asking me to upload my information but the website will not allow me to upload my documents. I am uploading a copy of the email also. I am not able to pull my consumer report from this company. I asked for them to mail me an updated report and score and I haven't received it. Also I am acting on my own behalf. I keep getting told that it's not me.

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