vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: NY

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-09-06 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: NY

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4100.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-09-06 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: NY

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-09-06 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: MS

Complaint narrative:
Ive sent multiple letters previously to the 3 credit bureaus in regards to the false reporting and fraud accounts that are posting on my credit report and I have tried to speak with these reporting agencies, over the phone as well as via Mail. And I have not yet received an update on investigation from either. The following accounts need to be investigated and removed from my credit report XXXX  : # XXXX : FRAUD / ID THEFT XXXX XXXX  : # XXXX : FRAUD / ID THEFT XXXX XXXX : FRAUD XXXX XXXX XXXX XXXX : # XXXX Incorrect Reporting VALIDATE DEBT XXXX : # XXXX FRAUD : ID THEFT XXXX : # XXXX : FRAUD : ID THEFT XXXX XXXX : # XXXX : FRAUD : XXXXDTHEFT XXXX XXXX  : XXXX : FRAUD : IDTHEFT : NEVER HAD ACC

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 2022-09-06 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
The following credit inquiries currently listed on my XXXX XXXX credit report is unauthorized, fraudulent, not my credit inquiries : American Express, Date of Inquiry : XX/XX/XXXX, XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX and XXXX Date of Inquiry : XX/XX/XXXX. I did not apply for any credit card or authorize American Express, XXXX XXXX XXXX or XXXX XXXX to pull my XXXX XXXX credit report on those inquiry dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Just recently I spoke with a representative from Exeter Finance LLC. I spoke to him about my contract and the fact that even though the CEO said that a part of my contract was not funded, it still makes my the contract void because it has incorrect information on it causing me major confusion. I explained this him and he asked " why didn't you ask questions if you did not properly understand the contract? '' I then replied : " I did ''. Then he went on to say that if i did then i would not be calling about it now. After a long conversation, I asked him for a account XXXX XXXX of my account. He did not know what I meant because he offered to send me a statement of account which I already have. I then told him that i need to see a copy of the check that was sent over to XXXX XXXX in order for me to drive out of there with the car. He then refused and said that he can't do that. I then said I should be able to see the copy of check that you issued to XXXX XXXX because I am asking for debt validation under the Fdcpa which is federal law. I then asked him to send the debt validation within 14 working days so that we could sort this out. he then said OK. I still have not received the copy of the check given to XXXX XXXX from Exeter Finance. I have no proof that this debt is valid and need to see the copy of the check before we can move forward. I also want to bring up the fact that I heard from another Exeter FInance LLC representative that all down payments have nothing to do with the finance company. So the {$3000.00} down payment I paid for the vehicle in question did not go to the finance company : Exeter Finance. If that is the case, why was it on the FEDERAL TRUTH IN LENDING TABULAR at the top of the retail instalment contract? It is against the law to lie on the FEDERAL TRUTH IN LENDING TABULAR located at the top of the contract. Also, why does the retail installment contract say EXETER FINANCE CORP when that place does not exist. Another error in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: ATG Credit, LLC
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX I called bank of america to verify some recent Activity as for I noticed a charge that got Declined on XX/XX/XXXX. I was speaking to the fraud department which was the correct department that I needed to reach to unlock the card account. During this 16 minute phone call the rep was successfully able to unlock the corporate credit account which was the umbrella acct for the two card accounts. The rep was able to successfully unlock the account because on XX/XX/XXXX I appeared in person at the branch with two forms of id. While I had XXXX ( the fraud representative ) on the phone i relayed to him that we just had two unsuccessful purchases at XXXX and because I had him on the phone he was able to unlock all three accounts and asked me to try the transactions again and we did and they were successful. On XX/XX/XXXX We attempt to make a purchase and were unsuccessful and the same thing happened. The card was locked and the system generated a notation that stated we needed to go into a branch with two forms of id. 

This is the third time the system has falsely detected fraud resulting in a false positive alert. I stated to the rep on XX/XX/XXXX that we are very frustrated with the amount of hours we have had to spend in a branch to resolve past errors caused by the bank and will not stay in the financial relationship anymore if it keeps happening. So as of XXXX XX/XX/XXXX all three accounts have been system flagged and blocked. Requirement to get unlocked would be to visit branch with two forms. At this point we will not be visiting another branch and there is plenty of evidence pointing to the branch causing the error. Forget the error no where in their terms and agreements does it state that false positives are something that happens nor do they provide the solutions to go about correcting the issue their systems incorrectly caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NY

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4100.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-09-06 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: NY

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance : {$5700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Ria Envia, LLC
State: CA

Complaint narrative:
Want my refunds!! 
XXXX # XXXX {$1000.00} XXXX # XXXX {$600.00} XXXX # XXXX {$180.00} MONEY ORDER NUMBER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: GA

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 XXXXXXXX XXXX XXXX ( Account # XXXX ), has violated my rights XXXX XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX ), has violated my rights XXXX XXXXXXXX XXXX  XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXX XXXXXXXX ( Account # XXXX ), has violated my rights US BKPT CT XXXX XXXX, Bankruptcy XXXX XXXX has violated my rights US BKPT CT XXXX XXXXXXXX, Bankruptcy 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 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 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$560.00} sent to the wrong recipient on Cashapp. I sent {$560.00} to the wrong recipient on Cashapp, the money was for my car payment. I emailed cashapp and they told me they couldn't do anything about the money that it was just lost money and I wouldn't get it back. I tried everything even contacted my bank and no luck getting the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : AFFIRM INC XXXX*** Date Opened : XX/XX/2019 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Vendor has refused on multiple occasions to accept my legal and lawful tender method even with directions to tender payment. 
Vendor also has my name attached to an account not known to me and as of to date unknown if they have fixed it. 
Vendor has also caused harm and damages to me by lowering my credit amount without first notifying me, causing adverse actions as I have not been able to receive the credit back I extended. 
Vendor has violated multiple sections of 15USC1602-1692 As well as multiple UCC codes for which each company doing commerce is held to. 
Vendor has also discriminated against me in an adverse action.

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 2022-09-06 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:
Ive sent multiple letters previously to the 3 credit bureaus in regards to the false reporting and fraud accounts that are posting on my credit report and I have tried to speak with these reporting agencies, over the phone as well as via Mail. And I have not yet received an update on investigation from either. The following accounts need to be investigated and removed from my credit report XXXX : # XXXX : FRAUD / ID THEFT XXXX XXXX : # XXXX : FRAUD / ID THEFT XXXX XXXX : FRAUD XXXX XXXX XXXX XXXX : # XXXX Incorrect Reporting VALIDATE DEBT XXXX : # XXXX FRAUD : ID THEFT XXXX : # XXXX : FRAUD : ID THEFT XXXX XXXX : # XXXX : FRAUD : IDTHEFT XXXX XXXX : XXXX : FRAUD : IDTHEFT : NEVER HAD ACC

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 2022-09-06 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: MS

Complaint narrative:
Ive sent multiple letters previously to the 3 credit bureaus in regards to the false reporting and fraud accounts that are posting on my credit report and I have tried to speak with these reporting agencies, over the phone as well as via Mail. And I have not yet received an update on investigation from either. The following accounts need to be investigated and removed from my credit report XXXX : # XXXX : FRAUD / ID THEFT XXXX XXXX : # XXXX : FRAUD / ID THEFT XXXX XXXX : FRAUD XXXX XXXX XXXX XXXX : # XXXX Incorrect Reporting VALIDATE DEBT XXXX  : # XXXX FRAUD : ID THEFT XXXX : # XXXX : FRAUD : ID THEFT XXXXXXXX XXXX : # XXXX : FRAUD : IDTHEFT XXXX XXXX : XXXX : FRAUD : IDTHEFT : NEVER HAD ACC

Company response to consumer: Closed with explanation