vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This is an extension of my latest complaint against Resurgent. In their response to the CFPB complaint " XXXX '' ( no last name ) from their compliance department left the " compliance contact '' phone number XXXX. I called the number and was then informed that " this is an attempt to collect a debt ''. No, that is totally inappropriate. I am calling a compliance department to discuss a violation. Anyway, the automated system then attempted to trick me into pressing various numbers that would falsely allow them to claim that the purpose of the call was to make a payment. When I finally get to speak to a rep, the rep says she needs to ask questions for security verification. Two of the security verification questions are variations of " do we have permission to contact you. '' So they are lying on the face of it again attempting to entrap me and then misrepresent the conversation in court later... totally inappropriate .... I decline, and then she refuses to speak to me unless I lift the cease and desist order. I give up. The next day I call again. Same bad faith response from resurgent. This time I speak with 3 seperate reps. I am informed that my case is " not being handled by compliance '' and they refuse to transfer me or tell me who XXXX is. They will not listen to anything I have to say unless I lift the cease and desist order, which they violated anyway, which is the purpose of the call. This is completely ridiculous and there is no way this is legal or moral in any society... I want to sue them. They have been illegally harassing me for months to pay a debt that I do not owe. Even the written response to the government complaint is in bad faith. This is so flagrant. Someone needs to go to prison over this .... They better not delete the voice recordings before the court gets to listen ... and who the XXXX is " XXXX ''?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed inaccurate and fraudulent accounts on my credit report and no reasonable investigation or action was taken to remove those accounts Accounts To Remove : XXXX. XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX Late Payments to Update : 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 2023-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit inquiries were made without my authorization. I would like to have them removed from my credit report as soon as possible. It is defamation of my character and livelihood to do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, Act Name : XXXX  XXXX, Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX XXXX, Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2023-06-03 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, Act Name : XXXX  XXXX, Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX XXXX, Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1. Denied on refinancing the Townhouse and was told I qualified for Loan Modification after giving me the running around 2. Denied on Loan Modification for the very same Townhouse I was previously told I qualified for under the same circumstances of multiple excuses

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 2023-06-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX is not compliant with their investigation The operators are not allowing me to explain show them The law that they are violating there are an authorized Account on mine consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I disputed inaccurate and fraudulent accounts on my credit report and no reasonable investigation or action was taken to remove those accounts Accounts To Remove : 1. XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 4. XXXX 5. XXXX  XXXX 6. XXXX XXXX XXXX Late Payments to Update : 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 2023-06-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I disputed inaccurate and fraudulent accounts on my credit report and no reasonable investigation or action was taken to remove those accounts Accounts To Remove : XXXX. XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX Late Payments to Update : XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: NJ

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 # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Member ID XXXX XXXX - XXXX FILE # XXXX - XXXX - Unknown MULTIPLE FAILED ATTEMPTS TO HAVE NEGATIVE INFORMATION AND OLD ADDRESS REMOVED FROM CREDIT AGENCIES Including multiple disputes and letters. 

XXXX XXXXXXXX XXXXk - Acct : XXXX XXXX - Sold to XXXX XXXX XXXX - Acct : XXXX XXXX XXXX - Acct : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Acct : XXXX XXXX ( XXXX XXXX  XXXX XXXX ) Acct : XXXX Old Address - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX To whom it may concern : In reference to 15 U.S. Code 1681 Law, Accurate and Fair Credit Reporting I am asking for removal of ALL NEGATIVE ACCOUNTS, LATE PAYMENTS AND OLD ADDRESSES. I HAVE MADE NUMEROUS ATTEMPTS REQUESTING THIS TO BE DONE BY ALL AGENCIES ( XXXX, EXPERIAN, & XXXX ) AND THEY HAVE NOT COMPLIED WITH MY REQUESTS. 

These negative accounts reported on my credit reports have been a hindrance on my life. I have made multiple attempts to have them removed from XXXX, XXXX and Experian. and I would appreciate if you would enforce any action needed to the 3 major credit reporting agencies to have these accounts removed. This is a defamation of my character and has resulted in a failed attempt to become a first time home buyer. 

I HAVE ATTACHED MY ACCOUNT NUMBERS FOR EACH AGENCY for reference. Also attached is a copy of my drivers license and a current bill to prove my identity. 
Thank you for your help, XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX Last 4 of Social - 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 2023-06-03 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, my Citi Credit card had charged me today for a charged of {$680.00}. I didn't authorize anyone to used my credit card at XXXX XXXX Plus the charged today was more than what was the disputed amount which was supposed to be {$430.00} as you'll be able to see in the attached copies. The {$430.00}, was also charged back in XXXX bill which I paid the total balance. 
After going through my statements charges, sometime inXX/XX/XXXXI saw the charged in my citibank statement for {$680.00} I had already paid. When I called the fraud department they told me that the charged was {$680.00} but the store XXXX XXXX had giving me a refund for {$250.00}, which the disputed amount was {$430.00}. I went to the XXXX XXXX and the manager gave me all the receipts of the transaction which I have attached. The manager of XXXX XXXX said that once the person returns the machinery the deposit of {$250.00} is refund it to my credit card. The Manager said that the guy returned the machinery and did not used it and that's were the store issue a store credit for {$430.00}. I told the manager that I didn't authorize that transaction. Plus, returning the machine proves he didn't do any job so how is it that I got charged for something i didn't authorize? And how is it, that he was able to rent by just giving a credit card number that didn't belong to him. The card has been in my possession so that means he used my unauthorized number. The store aloud it. It makes me think they are used to doing this perhaps. The manager said that the guy used the store credits for different tools on different days. If you look at the receipts attached, the guy used the store credit for a XXXX XXXX sounds like a shampoo carpet and other tools. After XXXX XXXX gave me those receipts I called citibank and the supervisor told me not to worried because citibank had issued a credit and the case was closed. Today when I looked @ my statement I see a charged for {$680.00} that citibank had reversed. I had paid for the whole balanced today so I don't get fees charged. I called today and I talk to Supervisor XXXX ( XXXX XXXX, from Citibank dispute. XXXX said not to worried that he will appeal the case. I said to him that not only they charged me an authorized charged but also they charged me more than it was supposed too. I take care of my XXXX XXXX XXXX mother who's very ill and all this situation it's giving me more stress and I'm also ill and don't need more problems. If this is not resolve I will cancel this headache card. Citibank didn't even asked the store for the receipts or how did the guy used my credit card number? I believe this charged was not investigated thoroughly.

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 2023-06-03 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: GA

Complaint narrative:
Ive sent over information to Equifax regarding fraud. I sent them my statement, my report from the FTC, and everything requested. Instead of clearing my information, I was told debts were validated. They couldnt remove or block anything. I was also told the proof of identity sent in did not match their records. 

It would not match their records because its not me. It has not been me. My name is not XXXX XXXX, along with a few other names listed. I dont know how many other ways I can state this. They already have my a copy of my license that Ive sent, along with a copy of my social. 

Beyond that, its beyond the number of days, by law for them to respond, 4, and they are still playing games with me. At this point they are actively participating in fraud, which is a violation of my natural rights. I know who I am. Ive told you who I am, and you are actively allowing fraud to be perpetrated on a consumer record, knowingly. I know that monetarily, I am now owe for several violations, and will be pursuant of those damages. 

Ive sent this information certified. The CFPB has it. Its still in the other open case. This should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : # XXXX, DEPT OF ED/XXXX : # XXXX, DEPT OF ED/XXXX : # XXXX, DEPT OF ED/XXXX  : # XXXX, DEPT OF ED/XXXX : # XXXX, DEPT OF ED/XXXX  : # XXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This bank was supposed to cancel out the debt not make it a collection account. My father has been deceased since XX/XX/2020 and the XXXX was turned in. This is criminal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
Just for the record we have been merchants with square for over 6 years we have never had a charge back we have never had an issue and we've been running transactions successfully for over 6 years with you guys. 

I recognized up front that the transaction I was about to run for purchase of equity within my company through square was a large amount so I called in for help. 

When I called in I asked how to run an ACH transaction properly to make sure that we would not take any risk of flagging the account or us having any issues with our merchant processing for compliance and underwriting purposes with Square. 

I called and spoke to One of your reps in XXXX to make sure that everything was done properly and there would be no problems. She eagerly walked me through and told me that no transaction should be over XXXX anything over XXXX  would be held. 

Just to be sure she would walk me through the process over the phone to make sure everything was submitted properly. The total of equity that was purchased cost XXXXXXXX XXXX 

So that was 8 separate ACH transactions to be withdrawn from XXXX XXXX going to XXXX XXXX XXXX. The representative then ended the call over the next few days the transaction started to withdraw daily and they never stopped until it depleted all of XXXX 's account. 

The entire time frame all the money was being held at Square, after a week or so of not getting access to the funds she went in to dispute the transactions to get the money back, so she could find another measure to be able to make payment for her company. 

From there it's been nothing but a nightmare we've tried to reach out to different managers we've tried to reach out in many different ways all unsuccessfully every time no manager ever returned any calls. 

Sadly we will call back within 24 to 48 business hours never came. Anytime after if we did finally reach someone the representative would just hang up the call. 

I just found this strange because we've never had an issue with square and we've been loyal consistent merchants never had any fraudulent issues nothing so for you to deactivate the account and for you to hold the money as if theres a reason is especially this long is beyond us. Especially knowing that you did not give it back to us nor to the customer is just very unprofessional and quite greedy. This whole time youre drawing interest on my money and this is preventing us from paying our employees and worst of all its during XXXX. 

Now I can not make payroll to pay my employees and no one at your company will return my call and continues to hang up anytime anyone of us calls about this issue. 

The fact that Square held funds so long has caused a tremendous loss for our business and has forced us out of commission we've had to shut down operations completely now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the following information on my credit file. I recently reviewed a copy of my credit report. The credit report showed credit inquiries that I did not authorized. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I authorized it in writing. Please have these inquiries removed from my credit file immediately. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of these the aforementioned permissible 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 explanation