vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This has been going on for a year now with equifax. I get a code XXXX and Im told to call them Ive done that Ive sent my id and social to them to verify my identity and my equifax still doesnt report my credit score nor update. They dont let me speak to a higher superior and they always act like everything is fine on their end but the problem is never resolved on my end. Id put time and dates but Ive called so many times I now can not even keep count. They keep telling me theyve removed the promotional block on my account but I dont even think they know what their talking about at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer 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 2023-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
I sent letters out, and call and still no replies to get this Charge off and Closed Accounts off which make no sense .Account shows charge off and was paid.l completely off.

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. New City Funding Account # XXXX, has violated my rights. XXXX XXXX CO Reference # 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. 9a0950 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 agency if the person knows or has reasonable cause to believe that the information inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer 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 explanation
Consumer complaint received 2023-02-25 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  XXXX  data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} 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 2023-02-25 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5300.00} 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 explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX  an Unauthorized User, used my Cash App App and tried Fourteen transactions with various amounts, totaling {$2400.00}. My bank at the time, XXXX XXXX, was able to stop Eleven of the transactions but Three went through in the amounts of {$5.00}, {$200.00}, and {$500.00}. I immediatley contacted my Bank and CashApp about the unauthorized access on XX/XX/2022. XXXX XXXX said to contact CashApp about it because it was a Point of Sale issue and not their jurisdiction. CashApp stated to contact my bank about it, because my bank issued debit card was linked to my Cash App account. So the Circle begins! As of the date of this letter, I have since been refunded for two of those transactions for {$200.00}, but I have not been refunded for the last one for {$500.00}. The last time I contacted CashApp was on XX/XX/XXXX  and they said to get updates from XXXX XXXX. XXXX XXXX  has since closed my checking account associated with the linked debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
EQUIFAX refused to update my account with XXXX XXXX. I sent them a 1099 c form and told Equifax the debt has been canceled by XXXX XXXX. They forgave the debt. While I still have to pay taxes to the IRS on this debt, I no longer owe XXXX XXXX. 

I submitted the documents to Equifax on XXXX that XXXX XXXX sent that clearly says THIS DEBT IS CANCELED. 

Equifax said they did an investigation and contact XXXX XXXX  who claimed nothing changed and did not change it to a XXXX balance. XXXX. 

If XXXX told them that I still owe them then the 1099. c form is fraud. I uploaded the 1099 c form to all 3 credit reporting agencies, XXXX Exquifax and XXXX XXXX. 

The only one who agree to the change was XXXX XXXX. While they did not remove the it off their credit report, at lease XXXX XXXX honestly looked at the 1099 C form from XXXX Bank and agreed I no longer owe this debt per XXXX XXXX. In turn, XXXX XXXX rightfully shows a XXXX balance owing to XXXX, while in XXXX and Equifax. deny I don't owe and left the balance unchanged. 

XXXX and Equifax told me to contact the XXXX and ask them for proof. I did contact them after I recieved the 1099 c form and the agent said I do not owe XXXX  it was forgiven, it was canceled as stated on the 1099 c form. The only reporting agency who is reading it correctly and making the proper changes is XXXX XXXX. 

Leaving me with an outstanding balance to XXXX by XXXX and Equifax is misleading to consumers who check my credit and kinda fraudulent and unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: CA

Complaint narrative:
I am submitting a complaint to you today to inform and notify you that I am a victim of Identity theft. There are accounts in my file that are erroneous and must be blocked or removed, I have already sent the required and necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please block these accounts : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

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 2023-02-25 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: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.

This alleged debt is disputed on the basis it is statute barred under the Limitation Act ( NSW )

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 2023-02-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer 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 2023-02-25 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: CA

Complaint narrative:
I am submitting a complaint to you today to inform and notify you that I am a victim of Identity theft. There are accounts in my file that are erroneous and must be blocked or removed, I have already sent the required and necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please block these accounts : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX  Balance {$3400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 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: CA

Complaint narrative:
I am submitting a complaint to you today to inform and notify you that I am a victim of Identity theft. There are accounts in my file that are erroneous and must be blocked or removed, I have already sent the required and necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please block these accounts : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXXXXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes to remove XXXX XXXX XXXX from my credit report for over a year. I totaled my car XX/XX/2021 and it was written off before XXXX XXXX bought my loan and added {$5300.00} to the original amount. XXXX XXXX continues to try to collect the debt from me for {$5300.00} and ithey keep reporting this going on 150 days. My original loan was for {$15000.00} and only after my lloan was sold did an extra XXXX was added. And I just saw the news article on your website that XXXX XXXX is being sued in NY because they are doing it to majority of their customers

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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes to remove XXXX XXXX XXXX from my credit report for over a year. I totaled my car XX/XX/2021 and it was written off before XXXX XXXX bought my loan and added {$5300.00} to the original amount. XXXX XXXX continues to try to collect the debt from me for {$5300.00} and ithey keep reporting this going on 150 days. My original loan was for {$15000.00} and only after my lloan was sold did an extra XXXX was added. And I just saw the news article on your website that XXXX XXXX is being sued in NY because they are doing it to majority of their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes to remove XXXX XXXX XXXX from my credit report for over a year. I totaled my car XX/XX/2021 and it was written off before XXXX XXXX bought my loan and added {$5300.00} to the original amount. XXXX XXXX continues to try to collect the debt from me for {$5300.00} and ithey keep reporting this going on 150 days. My original loan was for {$15000.00} and only after my lloan was sold did an extra XXXX was added. And I just saw the news article on your website that XXXX XXXX is being sued in NY because they are doing it to majority of their customers

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 2023-02-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation