vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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: TN

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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 and purpose.

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 2023-05-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-05-11 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX Email XXXX XXXX To whom it may Concern You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearty states that I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agenc can not furnish an account without my written instructions.

15 U.S. C 16668 : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Block, Inc.
State: NJ

Complaint narrative:
I worked on a customers house in XXXX of XXXX. The customer summitted his credit card and said Square charged his card, but Square never released the funds into my bank account. They said there was a dispute and it was resolved in my favor. Square never paid me the amount they said I should receive. At this point Square refuses to discuss the issue with me. They do not respond to my phone calls or emails. The amount in question is {$4600.00}. I have gone after the customer, He says it is out of his hands. Square will not release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Please delete these accounts ASAP. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : XXXX XX/XX/2022 and XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-11 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:
Dear Sir/Madam, I am writing to bring to your attention an issue that has caused considerable concern. Upon a thorough review of my Transunion credit report, I have identified 23 inquiries that do not seem legitimate. Specifically, the hard inquiries made by XXXX XXXX on three separate occasions in XX/XX/2022, and other inquiries from entities such as XXXX  XXXX, XXXX and XXXX indicate potential fraud or unauthorized activities on my account. Additionally, other entities like XXXX, XXXX On The XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX made similar unauthorized inquiries around the same time frame causing significant damage to me unnecessarily regarding creditworthiness issues. I must also state that similarly unauthorized requests were made by XXXX XXXX XXXX  XXXX ( on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX ( on XX/XX/XXXX ). Having successfully disputed these attacks against my XXXX report in the past has given me hope for a quick resolution for a complete investigation with immediate initiation into this matter by Transunion. knowing high urgency drives results. I expect confirmation upon cessation of review & their respective removals, renewing confidence extending good faith towards quick resolution while standing willing to share further exchanges at XXXX. Thank you for your prompt attention devoted actively disarming unlawful third party predators stand warrantied deflagration completely & professionally resolved making things right again.Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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:
I had my personal information exposed in several data breaches including the XXXX data breach, the XXXX data breach and the XXXX XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.

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 2023-05-11 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: NC

Complaint narrative:
I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; Medical XXXX Balance : {$630.00} ; XXXX XXXX Balance : {$930.00} XXXX XXXX XXXXXXXX Balance : {$890.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: SC

Complaint narrative:
This is one of many attempts I've made to alert credit reporting agencies to the fact that I've been the victim of identity theft and that I want to check some of the records in my files that the crime left behind. Any transactions involving goods, services, or money that I have made or authorized are unrelated to the documents I'm looking at. Remove any information that was allegedly obtained through fraud or extortion from my credit record, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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.

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 2023-05-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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:
XXXX XXXX for XXXX, XXXX for Equifax, and XXXX for XXXX is an account I never made and do not recognize, the account is fraud and should not be on my report at all, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. The XXXX inquiry was also not performed by me or my permission, this should also be removed from my credit report because this is fraud. 

There is also multiple inquires from " XXXX '', " XXXX XXXX  '', and " XXXX XXXX  '' which I do not recognize, The inquires that are fraud on XXXX are " XXXX  '', The inquires that are fraud on Equifax are XXXX XXXX ', The inquires that are fraud on XXXX are XXXX XXXX ', The second " XXXX ' inquiry, " XXXX XXXX  XXXX and " XXXX XXXX  ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: PA

Complaint narrative:
XXXX XXXX for Experian, XXXX for XXXX, and XXXX for XXXX is an account I never made and do not recognize, the account is fraud and should not be on my report at all, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. The XXXX inquiry was also not performed by me or my permission, this should also be removed from my credit report because this is fraud. 

There is also multiple inquires from " XXXX '', " XXXX XXXX '', and " XXXX XXXX  '' which I do not recognize, The inquires that are fraud on Experian are " XXXX '', The inquires that are fraud on XXXX are XXXX XXXX ', The inquires that are fraud on XXXX are XXXX XXXX ', The second " XXXX ' inquiry, " XXXX XXXX  XXXX and " 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 2023-05-11 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:
I had my personal information exposed in several data breaches including the XXXX data breach, the Equifax data breach and the XXXX XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: PA

Complaint narrative:
I had my personal information exposed in several data breaches including the XXXX data breach, the XXXX data breach and the XXXX XXXX data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.

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 2023-05-11 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: TX

Complaint narrative:
I, XXXX XXXX, consumer, natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681and FDCPA agent to pursue a debt collection lawsuit against a consumer after the statue of limitation expired ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX ( XXXX  ). 
15 USC 1681a ( 2 ) ( B ). 
XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 
Delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Fraudulent credit card was opened and charged up to XXXX that I never received used or entered into a card member agreement for an account o be opened on my name with pnc bank. This account is fraud and I plan to escalate this matter to court if needed. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Attempted to send a debt validation letter with information thats reported on my credit report and letter was returned ANK ( attempted not known )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: PA

Complaint narrative:
Credit Control willfully failed to provide any of the requested documents or a contract. Please see attachments.

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 2023-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I called the company today on XX/XX/2023 and spoke to a representative who refused to give me her name. I requested information on the payment history and she said she can not give me any information except I owe {$440.00} on XX/XX/2023 and a payment was made on XX/XX/2023. I requested to know when the payment had been made and why I did not receive an email. She said I can not give you any information. I am confused why I am still locked out of my account as a main borrower on the loan. I have also submitted a local police report on Ally Auto for breeching my privacy.

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 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: MS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXXXXXX XXXX XXXX XXXX XXXX MS XXXX XXXX : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX To Whom It May Concern : You are reporting the following collections as an OPEN ACCOUNT which is not under FCRA compliance . This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the below deletions have been removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX COMPLETE CREDIT SOLUTIONS XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NC

Complaint narrative:
I dont regonize this inquiry. 

AMEX Date of inquiry : XX/XX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2023, I purchased a salad at XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, GA. This salad made me ill. I complained to XXXX about it and they did nothing other than send me a Dear XXXX email and have the manager call up to say " it's only you '' and hang up. Then I disputed it with Discover. All of a sudden, they don't cover bad food. The sorry piece of XXXX that answered the phone named XXXX even said it's my fault for eating the food. The problem is food illnesses are not instantaneous. It took hours. What was I supposed to do, take them my XXXX and then request a refund? XXXX refuses to do the right thing and refund my money, Discover is now trying to hide and say they don't cover food purchases but that is not in the cardmember agreement. They have actually covered it before. I do not see what the problem is all of a sudden.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I was not able to log into my Bank of America account. I called and not only did it take over an hour to get connected to someone but I was disconnected two times. When I finally got ahold of an actual person they made me wait for about a few minutes just to inform me that they were going to close my account, no reason why. I figured its due to fraudulent activity because my account was compromised. Instead of verifying with me or setting up a new account to make sure nothing like this happens again they chose to just close my account entirely with funds still in it. I also had two ongoing claims with Bank of America for the total amount of XXXX. The claims were submitted in XX/XX/XXXX and it has been well over XXXX business days with no update to the claims whatsoever. It was two unauthorized transactions. The level of unprofessionalism and no transparency at all with customers is mind blowing to me. I will be telling everyone Bank of America is by far the worst brick and mortar bank to work with.

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