vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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: FL

Complaint narrative:
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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. 

Accounts Disputed Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I never opened accounts with any of the accounts listed above and it is being reported on my credit report inaccurately I sent the credit bureau multiple letters and proof from XXXX  XXXX even to today Ive also called each of the credit bureau to get help removing these account being improperly reported on my credit reports and I still have received the proper help or proof that these are my account i demand that these accounts be removed from my credit reports immediately or I will hire an attorney this week and will be force to seek legal fees and compensation for the stress and mental health issues the three credit bureau has caused to me and my family over this matter. The credit bureau violated multiple Fair credit reporting on Acts on my credit reports.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed above. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the 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
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: CA

Complaint narrative:
I sent a {$50.00} payment through XXXX XXXX bill pay to be paid to Frist Progress on XX/XX/XXXX. My due date was XX/XX/XXXX and the account was current. Unbeknownst to me, First Progress chose not to cashel the check, instead charging me a late fee for non-payment in XXXX. I didn't notice this because I'd been idly making payments. 

I decided to close the account approximately XX/XX/XXXX because the only way to pay is bill pay and it's really inconvenient. I conveyed as much to the customer service agent I spoke with. She said I would need to pay just under {$75.00} to pay the remaining balance on the account, which I did. 

The following day, I got an email from XXXX XXXX stating that First Progress never cashed the bill pay that was sent in XXXX. Then, I noticed the erroneous late fees. I immediately contacted customer service over the phone at First Progress, who advised me to fax a letter to a number provided stating what happened with my proof. I did. 

Since, First Progress has not cashed the {$75.00} bill pay sent to close the account sent in XXXX. They are continuing to charge late fees every month. They have reported a delinquency on my credit. They have also changed the remarks stating customer closed account to account closed by issuer. Blatant lies and damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I do not have a XXXX account an it shows I do. Also had to report to XXXX banks of online compromise with cash app. I think its someone I know that doing it but not sure cash app is not refunding or compromising the money taken from my bank account to cash app an the banks said I need to give time bit its been XXXX weeks an now on my report o see XXXX an I don't have XXXX account never have Also XXXX & XXXX account thru online set up... I have no accoint an my identity his been used. 
Cash app has business account which I did not do as well which is being used to money filter an I have requested multiple time to no avail. My bank show money from my account to cash app an I have never taken money from either citizen bank nor my regions to apply toward cash app. I only received money from XXXX people an never sent money but XXXX time to XXXX person and the money is not in my account nor on the cash card. I so have files that prove this an the actions I've begged them to do however I can't upload the file for some safety feature however if need I can mail them. cash app should close any an all cards exsept $ XXXX an all business under my ss XXXX an investigate for arresting who is stealing an laundry money thru cash app using someone else 's identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : TRANSWORLD SYSTEM INC/ Account Number : XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
It has been over 30 days and the creditor has not update the information nor has provided proof or documentation in regards to a late payment or the validity of the disputed accounts and inquires. They have not supplied this information and they must delete the alleged late payments, validated accounts and inquires on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so the items must be deleted from my report as soon as possible.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I called in for the collection agency to give me a debt validation letter and I was told it'll take30 days. I did that in XXXX. I called in again on XXXX and I was told they still haven't closed the dispute. I haven't received the letter yet and its the XX/XX/14. They also open a second dispute for no reason. I was told that they opened it to prolong the first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Bread Financial and the XXXX XXXX XXXX has not reported my credit information with them to the bureaus since XXXX. I have contacted them many times and they keep sending the same canned response that they need two more months. I have given them 4. My balance has been paid since XXXX and yet it shows a large balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a recipient of Unemployment Insurance benefits from the State of California via debit card issued by Bank of America. On XX/XX/XXXX my debit card was frozen due to alleged fraud. Since then, California has determined that my account was NOT a fraudulent account ( XX/XX/XXXX ). My identity has been verified numerous times to CA XXXX. To date, Bank of America has refused to re-open my debit card, will not give me a balance which was approximately {$7900.00}, and will not send a check to me instead. Their response is that " due to bank policy '' they can not unfreeze my card. They will not explain in detail what that policy actually is. I have been working through my State Senator 's office XXXX XXXX, to resolve this since XX/XX/XXXX. This morning I was informed by his office that CA XXXX has exhausted all options to resolve the issue with Bank of America. They referred me to your offices for resolution. Here is the response from his office : " Unfortunately, XXXX has exhausted all options and was unsuccessful in obtaining further assistance from BofA regarding payments that are on hold on your constituent 's bank account. Therefore, the constituent must continue to work with BofA for a resolution. In addition, the constituent may also file a complaint with the Consumer Financial Protection Bureau. They are responsible for overseeing complaints in the banking industry, and in our experience, they take swift action in response to received complaints about transactional fraud. A complete description of this process can be found here : https : //www.consumerfinance.gov/complaint/. Once submitted, individuals can follow the status of the complaint on the CFPB 's website in real-time. 

Im sorry at this point XXXX does not have the ability to change BOA policy and open the account. Please submit the complaint with the Consumer Financial Protection Bureau as they have the jurisdiction to resolve this issue with BOA. Thank you! ''

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 2022-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I called Ally Financial to question the debt? To question my extention of credit to Ally as a consumer and i realize i am accused of having a debt. I have not received a title for a XXXX XXXXXXXX. I was pressureed to put a down payment down for a credit transaction. My credit score has been damaged by negative inquiries from ally bank that should be removed. I have called to speak to a underwriter and was denied access.

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 2022-11-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-14 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: LA

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. 

XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights XXXX 

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 2022-11-14 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: LA

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. 

XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXXXXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights XXXX 

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 explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CO

Complaint narrative:
Someone signed up for multiple accounts on my name while I was XXXX and even has another social security number, my ID information as well. 
-Jefferson Capital for XXXX XXXX The police report has been done and the account was removed from my credit report but its back. 

Also, XXXX XXXX simple has been ruining my credit for years. Company sold me faulty merchandise, I returned it and it still has a negative mark on my credit report. 

XXXX XXXX XXXX repeatedly reporting monthly on an account that has been closed and charged off. Theres no agreement. 

XXXX XXXX Reports wrong account to credit bureau of choice . Account information not correct or on all 3 reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: GA

Complaint narrative:
Transunion and LCI continue to report a XXXX  on my report while XXXX, XXXX and XXXX have removed it. This needs to be removed immediately from my report as it has been removed everywhere else per the attached letter from 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 2022-11-14 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: GA

Complaint narrative:
Transunion and LCI continue to report a bankruptcy on my report while XXXX, XXXX and XXXX have removed it. This needs to be removed immediately from my report as it has been removed everywhere else per the attached letter from 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 2022-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Credit Central Holdings, LLC
State: CO

Complaint narrative:
Became XXXX  and loan payment went unpaid. They forgave that negative account and opened a new account. Hasnt reported to XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Experian in XXXX separate times about a dismissed XXXX  XXXX being reported by them. According to their report, such Bankruptcy information is being collected by the courthouse where this bankruptcy was allegedly filed, it says so directly on their report. 

I did contact the clerk of the court of the same bankruptcy and they told me they do not have any jurisdiction over any credit reporting agency, yet Experian is sending the results of the supposedly investigation stating that the " company that reported the information has certified to Experian that the information is accurate ''. 

I will attach the letter from the clerk of the court as well as Experian correspondence for you to see the inconsistencies in which Experian conducts its investigation of my disputes.

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 2022-11-14 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: IL

Complaint narrative:
I called XXXX XXXX to question the debt? To question my extention of credit to XXXX as a consumer and i realize i am accused of having a debt. I have not received a title for a 2019 XXXX. I was pressureed to put a down payment down for a credit transaction. My credit score has been damaged by negative inquiries from ally bank that should be removed. I have called to speak to a underwriter and was denied access.

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 2022-11-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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