vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 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: AL

Complaint narrative:
Transunion is incorrectly reporting information on my credit file. XXXX and XXXX have already updated my credit file with the deletion of the ese inaccurate items. Items include XXXX ( Acct # XXXX ), Late payment ( XXXX XX/XX/22 ), and ( XXXX XXXX XXXX  XXXX  ) ( Acct # XXXX ). I have attached the deletion of the XXXX account and the confirmation number of the late payment deletion is ( XXXX ) for XXXX. Furthermore, ( XXXX XXXX XXXX  XXXX XXXX ) is not reporting on any other credit report besides Transunion.

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 2022-08-23 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: AZ

Complaint narrative:
On Friday XX/XX/22, I woke up to check my bank balance as I get direct deposit and had many bills to pay. I saw that Cash App, a money service app that I use to send money back and forth with my daughter, initiated two transactions from account, one for {$10.00} and one for {$1000.00}, a total of {$1000.00}. My phone was also being spammed by a Cash App pop up that I could not stop. After looking online, I found that it could be because of the NFC feature on my phone. I checked it and it was on, so I turned it off. I never use this feature and have never had something like this happen to me. I turned it off and the Cash App pop ups stopped. I found that the money that had been taken out of my account was in my Cash App balance. I had to initiate a payout of these funds back into my own bank account, the same account it was taken from. I had to choose the expedited option which charged a {$17.00} fee to put the money back into my account. I did not have the ability to wait until Tuesday for the standard payout option which would not have charged a fee as I had several bills due that day. I notified Cash App that same day of what had happened and that I did not initiate or authorize these transactions and requested a refund of that fee. Because I did not initiate the transactions to begin with, I feel that my request for the refund of that fee was reasonable. I would not have had that fee had these transactions not taken place. To be clear, I had no automatic load feature turned on, and there was nobody that had my password or authorization to make transactions out of my bank account or Cash App account. I have been dealing with this issue with Cash App for 5 days as of today. Today they closed their " investigation '' stating that I had to have done it or let someone do it, so there was no error and they weren't refunding that fee. Yes, I was very upset and used inappropriate language. They said they were closing the claim and I could open a new one if I had more information. They provided a phone number to call. I called and spoke to someone by phone who also ultimately said that since I chose the expedited payout and agreed to the fee, they would not refund the fee. I continued to tell them that I did not authorize the transactions in the first place and I had no choice but to use that option. I do not believe this is fair or appropriate. I woke up to all of money being taken out of my account by Cash App without my knowledge or consent, and I do not believe that their response is appropriate. It's no longer JUST about getting that fee refunded. It's about the unethical practices that I believe Cash App took, and their lacking " support '' in this situation. I have screenshots of my entire conversation as well as of the transactions. While I do want that fee refunded, I want Cash App to be held accountable for this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: AL

Complaint narrative:
Transunion is incorrectly reporting information on my credit file. XXXX and XXXX have already updated my credit file with the deletion of the ese inaccurate items. Items include XXXX ( Acct # XXXX ), Late payment ( XXXX XX/XX/22 ), and ( XXXX XXXXXXXX DBA XXXX  ) ( Acct # XXXX ). I have attached the deletion of the XXXX account and the confirmation number of the late payment deletion is ( XXXX ) for XXXX. Furthermore, ( XXXX XXXX DBA XXXX XXXX ) is not reporting on any other credit report besides Transunion.

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 2022-08-23 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: AL

Complaint narrative:
Transunion is incorrectly reporting information on my credit file. XXXX and XXXX have already updated my credit file with the deletion of the ese inaccurate items. Items include XXXX ( Acct # XXXX ), Late payment ( XXXX XX/XX/22 ), and ( XXXX XXXX DBA XXXX ) ( Acct # XXXX ). I have attached the deletion of the XXXX account and the confirmation number of the late payment deletion is ( XXXX ) for XXXX. Furthermore, ( XXXX XXXX DBA XXXX XXXX ) is not reporting on any other credit report besides Transunion.

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 2022-08-23 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: MS

Complaint narrative:
Mailed four written request to each credit bureau to dispute an unverified account on my credit profile. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that the information is correct. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it. 

Received four written letters in return from each credit bureau after each investigation stating that the account was verified. 

Despite all four letters mailed I was never provided a copy of any documentation with my signature on it as requested. Yet, the account XXXX XXXX XXXX XXXX still remains on my credit profile unverified. According to the FCRA section 611 ( 5 ) ( A ) you are required to promptly delete all information which can not be verified. 

Date letters mailed : XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 Account : XXXX XXXXXXXX XXXX XXXX # XXXX Amount : {$760.00}

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 2022-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I had a lease car with Chrysler Capital. The car was stolen. I called to Chrysler to let them know. They said will send me payoff amount. I have received it. After this, once insurance claim was entered, Chrysler sent complete different payoff to MY insurance, which is higher even then the Cash Value of the vehicle. I do not mind my insurance pay them, as long they do not try to raise their payoff and get more money then it is actually worth it. Cash Value and Residual Value are much less then payoff amount company sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Called Truist bank on XX/XX/2022, and was told my account was closed and they couldn't see a reason. I told them I would have a payroll deposit coming, and they said it would bounce out since it was closed. Went to the Truist Branch on XXXX XXXX in XXXX Texas and spoke to a female banker. She stated she couldn't give a reason and took my debit card and my direct deposit should go back to my employer. Today XX/XX/2022 called in after talking to my HR department and they stated my acct was on hold and had to go into a branch. I told them I had already gone to a branch, so the rep called the branch and stated that I never went in, which was a lie. They said they could see my direct deposit but couldn't do anything since my account was on hold. I told them that I refuse to go in and they need to rectify the situation. They were unable to help me and my money is in limbo.

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 2022-08-23 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: PA

Complaint narrative:
To Whom It May Concern, 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 possibly through a data breech and did authorize the charges that appear on my credit report. I ask that the items be deleted to correct my credit report at the earliest convenience. 

Thank you very much, XXXX XXXX B.A, B.S

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: PA

Complaint narrative:
To Whom It May Concern, 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 possibly through a data breech and did authorize the charges that appear on my credit report. I ask that the items be deleted to correct my credit report at the earliest convenience. 

Thank you very much, XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: KS

Complaint narrative:
Jefferson Capital Systems LLC owned a account from XXXX XXXX in the amount of {$1600.00}. This account is 8 years old. I disputed this account not once but twice the last time being in mid XXXX of XXXX, I went to call them & they said they could not talk to me as this account was being serviced by XXXX XXXX  on behalf of Jefferson Capital Systems. XXXX still owned the account though. I asked for the verified info from XXXX they said they would send it & they also told me I could settle for {$1000.00}. Today on XX/XX/2022 I called XXXX & they informed me that the account had been sent back to them but they owned the account the entire time & that XXXX could only process payments & not send out verified information. The payment option that XXXX gave me was different than the XXXX option that I got back in XXXX. So in one week I was told to call a different ( XXXX ) company, got a payment option from that company, sent back to the original company ( XXXX ), asked for the original contract with XXXX with my signature on it & all the documents XXXX had with my name on it. After going back & forth & being transferred 4 times I got a supervisor on the phone. His name was XXXX with Jefferson Capital Systems ID # XXXX. He informed me the account would be removed in full. I have a witness to this phone conversation & was on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  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 explanation
Consumer complaint received 2022-08-23 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 XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  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 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, I contacted American Express customer service to be transferred to the account closure department. I spoke with an associate and indicated my intention to close the XXXX XXXX XXXX credit card due to COVID-related financial difficulties. The associate attempted to convince me to retain the card, but I informed him that I am no longer financially able to pay the exorbitant {$690.00} annual fee, which was heavily increased since I opened my account with American Express. 

Given my account statement history, I no longer used the card and activity has essentially been dormant for the past couple of months. The annual fee was assessed in XX/XX/2022, and as such I wanted to cancel the card timely. However, the American Express associate indicated that I will no longer be refunded the {$690.00} annual fee, and that the fee must be paid even when I informed him that I should be within the cancellation window. This feels like financial extortion and I am at a loss. 

All I am requesting for is to cancel the card as I have not actively used it for a long time, and with my financial difficulties I can not pay an additional {$690.00} for a product I am no longer able to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I first received a letter from Southwest Credit Systems, L.P. on XX/XX/2022 however I did not recognize the debt because I know I owe nothing to XXXX  as I never used their services and returned the phone back to them without using it. They told me I wouldnt be charged and at the time I believed them. I sent out a cease and desist letter to Southwest Credit System , L.P. on the same day when I received the letter but that didnt stop them from mailing me for the second time today dated XX/XX/2022, attempting to collect my debt again after I have requested for them to refrain from contacting me. I have all evidence that you may need included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I was not legally made aware that debt owed to XXXX XXXX XXXX was sent to collections. Today, XX/XX/XXXX I was made aware that a demand letter was mailed on XX/XX/XXXX, however I did not receive any prior written communication regarding a demand letter. No certified proof of mailing was able to be provided by the company. 

The company has previously filed a lawsuit against XXXX XXXX for a debt notice that has no proof of certified mailing for any notification. 

On XX/XX/XXXX, a summons was attempted, however was not successful. On XX/XX/XXXX, a summons was attempted but not successful. 

Today, XX/XX/XXXX I spoke to XXXX XXXX and I was told that a new suit would be filed when I stated that I have consumer right to be notified regarding debt and I did not receive a demand letter on XX/XX/XXXX and the company was unable to provide proof certified mail. 

I requested that attorney fees be removed from the account balance and any court costs associated with the balance because I never received any written communication from the company to efficiently and effectively dispute the debt. 

At this time XXXX XXXX is providing GAP insurance coverage and XXXX XXXX XXXX has not provided the necessary documentation to validate the due date change for the 1st payment due on the account ( loan due date correction letter ), and the 2nd payment due on the account ( loan extension modification letter 60 payments changed to 61 payments ). 

XXXX XXXX is unable to pay further on the loan without two letters clarifying that the 1st payment on the account was legally changed, and that the 2nd payment on the account was extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TN

Complaint narrative:
I have a FTC report with the fraudulent info on my Equifax report that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: AL

Complaint narrative:
Experian is inaccurately reporting a late payment to my credit report. XXXX has already deleted this inaccuracy from my credit profile and I am demanding that my profile be updated to ensure accurate reporting of my personal information. The payments were never late and Experian has refused to update my profile accordingly. The confirmation number for the XXXX deletion is ( 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