vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting 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:
In accordance with The Fair credit reporting act XXXX XXXX account XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right to privacy.

15 U.S.C. 1681 section 602 A Section 2 : it also states that a consumer reporting agency can not furnish an 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 2024-05-02 00:00:00
Product: Credit reporting 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: I.C. System, Inc.
State: WV

Complaint narrative:
Account # XXXX is all I can access. I.C. Systems inc is the company. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I filed complaint earlier today along with my birthdate and they couldnt pull up my information using my correct date of birth. Or my legal name that I have had since XXXX. The IRS, has documented that I had identity fraud through there agency as well. The information they have is not accurate 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 explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC
State: PA

Complaint narrative:
XXXX has deleted the account from my consumer report thus supporting my claim. Pursuant to section 623 ( b ) ( D ) I demand that this agency removes this item of information from all consumer reporting agencies immediately. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I was at the mall with my kids. My son was getting his haircut. While he was doing that my daughter and I went to look around at another store. I had my phone in the pocket of my jacket. We were probably in the store about XXXX minutes when someone tapped me on the shoulder and said here you lost your phone. I said Thankyou and left to get my son and go back to the car. As Im about to cash app the barber from in my car before I pull out I see that all of my money was gone and sent to the person who gave me my phone back. I immediately contacted support from cash app, requested the money be sent back from the person and after they denied it I reported and blocked them. So first I filed a dispute through the app and then I immediately called them and filed directly with a person. After that I called my bank as well since my cash app is linked to my bank account. They cancelled my cards immediately and made sure my bank was not connected with cash app anymore. I did everything I was supposed to do but yet got denied. I was told they were gon na send me the documents of why I got denied but never did. The people on the phone dont know anything and just say the same things back over and over again about how they cant do anything about it and do I have any other questions about anything else. I have used cash app for years now and never had any problems but as soon as something did happen they just denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: PA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX RE : Discover Platinum # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, Currently I am enrolled in active benefit with Discover Payment Protection Program. 
This benefit puts on hold monthly interest charges, premiums for such program, and minimum due payments, until benefit is no longer active. Benefirs were activated since last fall. 
A periodic renewal form Discover requires for me to sign, date, & return. A continuing form extends benefits,. When signed form remits back, benefits resume where they left off, to retroactively continue. 
BUT since early XXXX, Discover delayed to send form, while they charged my acct next XXXX billing periods : ( XXXX, XXXX, & XXXX ) DESPITE showing I remained enrolled and my benefits stayed active. 
Since early XXXX, six requests been made for form, to two secure addresses. Received not until XXXX. Faxed return by XXXX, the due date. 

Also Discover insists first class US mail ( without tracking ) be used to send form despite my offer to pay for a more secure delivery method. AS IF Discover determined, form is SUCH an important form, they would not allow a MORE secure delivry method! 

Discover deprived me of benefits I am enrolled in. I want a credit adjustment for 3 cycles of charges which are covered by my benefit. 

I request CFPB review, and direct Discover to place credit adjustment equal to charges that are protected while my benefits were to be continued and active. ( Continuing defines to pickup where it left off ) Lastly, I need to OPT OUT where company sends updates of card info automatically to vendors nust because theres recurring charge, or vendors otherwise established, returning responsibility to report updates/ changes in card info back to me. Vendors misbehave. 
I am entilted to share, or recind my card info or converted card # s to prevent misuse/ fraud by certain vendors. To OPT OUT of creditors sending updates of new card info to vendors. While this maybe more convenient now and then it unfortunately allows old / obsolete # s to still be used to authorize new charges, despite new numbers been reissued. 

Discover has refused to cooperate. They wont help me protect myself, and they dont recognize my rights. Please help to resolve this. 
Thank you. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Sent from my XXXX Sent from my XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

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.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

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. 

has violated my rights. Or a list of inquiries : 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I requested information regarding the account Bank of america - XXXX and have not received anything. 

Please have this company upload the following documentation : Last 12 months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E., allocation of payment.

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 2024-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MORTGAGE SOLUTIONS OF COLORADO
State: SC

Complaint narrative:
On XX/XX/year>, my home was XXXX XXXX due to a neighbor 's negligence. This XXXX  caused my home to be a complete and total loss. I had worked with the insurance and builders to get ready to begin the rebuild of my home. Everything with my insurance company and the builders was SEEMLESS. When I obtained the check from the insurance company, I reached out to Mortgage solutions insurance claim team to obtain all of the steps required to make sure things went smooth. Mortgage solutions is filled with liars and thieves. I the received my check on XX/XX/XXXX, XXXX they TOLD ME, " Nothing else is needed from you will receive 25 % of the funds equally XXXX in about 7 business days ''. THAT NEVER HAPPENED. I called them back multipleXXXX. They NEVER contacted me never sent me any letters or anything on what this process with them consists of. If I don't call them, they don't say ANY THING. They this week told me that now BUILDING PLANS are needed for this process. it's almost going to be a month since they pocketed MY money and NOW, they are saying that is needed. they also say that actually the cap to release funds is only XXXX. XXXX gets a builder NO WHERE when building a home! They told me I needed to have the builders send a payment schedule so they can get paid. I had my builders call in ( and yes, I had paperwork sent in giving them authorization to speak on this situation ). When they called in a day after I tell them about needing a payment schedule, they were told, THAT WAS NOT NEEDED. This company is operating in bad faith. They are withholding funds possibly, to gain interest from money that is to be used to rebuild my home. In SC the law requires a mortgage company to provide in writing all of the requirements of release of funds in a situation like this. They have failed to do so. I've lost everything I own, and this company is stealing the rest. mortgage solutions financial is the rebranded company of XXXX XXXX XXXX that have been sued MANY times for stealing customers insurance money and they are doing it again!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bridgecrest Company for their violation of consumer laws, specifically outlined in 15 USC 1681b. It has come to my attention that Bridgecrest has included the transactional history between themselves as the creditor and me as the consumer in my consumer report. This inclusion of transactional history directly contradicts the regulations set forth in the aforementioned statute.

According to 15 USC 1681b, a consumer report should not encompass the transactional history between the creditor and the consumer. However, despite this clear legal provision, Bridgecrest has failed to adhere to these guidelines, thereby infringing upon my rights as a consumer. 
The presence of this transactional history in my consumer report has had severe adverse effects on my overall credit standing. It has unfairly skewed my credit profile and misled potential lenders and creditors, impacting my ability to secure favorable financial terms and opportunities.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX Formerly known as XXXX XXXX Formerly known as XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXT XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date reported XX/XX/year> Date assigned XX/XX/year> Amount {$1800.00} Status date XX/XX/year> Balance date XX/XX/year> Account number XXXX  XXXX According to 15 U.S.C. 1681i, I did not authorize the reporting agencies. Please block and remove the accounts under 15 U.S.C. 1681c-2.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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