vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: TN

Complaint narrative:
On XX/XX/2024 at XXXX XXXX, I received a phone call from ( XXXX ) a lady named XXXX, saying she was calling from XXXX  ( Van & Huffman LLC ) attorney office, a debt collector and that she paperwork on her desk that she needs to go over with me, I said that if she has all the paperwork on her desk, please send it to me via U.S. Postal mail, so that I will have it in my hand, she said that tht they have sent it before, I said that I've never received any type of communication from her office concerning this alleged debt. I said that you have the address please send it by mail and please do not contact me again by telephone. She hung up!! 
On XX/XX/2024 at XXXX XXXX I received another call from ( XXXX ) the same lady ( XXXX ) from the debt collector, XXXX XXXX XXXX, and again paperwork I need to go over with you, I again told the lady to please send me all the documentation on this alleged debt and any and all correspondence via the U.S. Postal Mail, and to please do not contact me again by telephone, she hung Up. 
I reviewed MyFICO XXXX bureaus reports for XX/XX/2024 and Van & Huffman had placed this alleged debt as a collection account on XX/XX/2024. 
In reviewing the historical data on the Credit bureau Report, Van & Huffman Law obtain this alleged debt on XX/XX/2024 : XX/XX/2024 was my first contact : XX/XX/2024 was my XXXX contact. XX/XX/2024 email was received requesting that I pay!! 
No other written correspondence was ever received by me from this debt collector concerning this alleged debt. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WY

Complaint narrative:
I started a account with cash app years ago and then for some reason it would allow me I to my account says can not identify and then it says start a new account and. Chat with support so I would and then I would get back into my account and then it would happen again and again and now it's. Been years and I have so many accounts with cash app not because I want to but cash app won't allow me into my accounts and I have hundreds of dollars in these accounts that I can not get to I even had the bank identifier and location and all the stuff I needed and still they said the could not find my funds and I could not get into my account but I did tell them I felt like my cash apps were getting hacked by someone because I would login and the. I would get. A message saying new device login which it shouldn't say but I have been trying for yeas and years and I just want my money they shouldn't have a company that is able to steal people 's. Money without being held responsible for there company lack to help the people that keep them in business

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I looked at my XXXX, Equifax, and XXXX credit report onXX/XX/2024, and still noticed XXXX, Equifax, and XXXX and is reporting incorrect/ inaccurate personal information. I sent letter regarding the inaccurate information. I contacted the companies to update my personal information. I am telling them to update or delete the incorrect personal information. XXXX, Equifax, and XXXX have failed to delete the items from my credit which cause XXXX XXXXXXXX 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 1681 e ( b ), 15USC 1681S-2 ( A ) & ( B ), and 15 USC 1681 1i ( 5 ) ( a ) ( i ) & ( ii ) these accounts are in violation of not reporting 100 % accurate. Here are the accounts : XXXX. XXXX delete immediately XXXX-delete immediately XXXX XXXX delete immediately XXXX delete immediately XXXX delete immediately XXXX XXXX XXXX delete immediately XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -delete immediately XXXX XXXX XXXX- delete immediately XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - delete immediately XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX  ) delete immediately XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) delete immediately XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) delete immediately I demand that the above accounts be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a concerned consumer after looking at my credit report. I see many inaccurate items on my credit report which I have informed this credit reporting company about but I keep getting ignored.

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 2024-04-08 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed multiple credit inquiries that I find to be problematic.

The first inquiry in question was apparently made by 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 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 XXXXXX/XX/XXXX I also filed a identity theft report with ftc

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 2024-04-08 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed multiple credit inquiries that I find to be problematic. 

The first inquiry in question was apparently made by 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 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 I also filed a identity theft report with ftc

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 2024-04-08 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: TN

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hunting my ability to obtain credit. It, s my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking account XX/XX/2024. I deposited {$150.00}. Then I changed my payment information for my phone to draft payment from this account. XXXX days later when I tried to log in to my account through my phone, I got an error message saying there was a problem with my information not matching so I called the customer service line. I asked them about why I couldn't log in and they informed me my account was frozen due to fraudulent activity. I asked what kind of fraudulent activity and they said they didn't have any I information on that. Then I received a message from my phone carrier saying they were going to charge me {$15.00} for a funds return fee because they were not able to draft the payment I initially setup. I tried calling the bank again the next week and they still had no information for me nor were they able to provide me with any update or what kind of fraudulent activity was associated with my account. I still dont know if my information was compromised or what's happening with my account. I have recently called again ( week XXXX now ) and they keep telling me another department is handling my case so they can't tell me anything and they still have not let me know what is going on or when matters will be resolved. I don't know if my identity was stolen or if the funds I deposited is gone.

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 2024-04-09 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Account # XXXX Re : Dispute of Unauthorized Disclosure of Information Pursuant to 15 U.S.C. 1692 ( c ) To Whom It May Concern, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate. Please delete from all credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
I have setup a payment plan with the Virginia XXXX XXXX XXXX after my XXXX XXXX XXXX XXXX. XXXX was dismissed. This firm has called me everyday since XX/XX/year> and on XXXX regarding this debt and I have informed them I have an advocate at the Virginia XXXX XXXX XXXX and have setup my plain even though I have a new XXXX XXXX filed XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I discovered unauthorized activity on my credit account. This included car loan inquiry Upon discovering the unauthorized activity, I immediately contacted the [ name of the company or financial institution ] to report the issue. I spoke with a representative and explained the situation. The representative informed me that [ describe any actions taken by the company, such as freezing the account, initiating an investigation, etc. 

Subsequently, I took several proactive measures to address the situation. These included contacting credit bureaus to place a fraud alert or freeze, etc. 

I am submitting this report to ensure that the appropriate actions are taken to investigate the unauthorized activity and prevent any further occurrences. I appreciate your attention to this matter and request prompt resolution. 

Please feel free to reach out if you require any additional information to assist with your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I tried to use this card to buy water, food and to pay for a public transportation pass and for all of them they got declined I called them up and they said just try another store so i did and no matter that i did it didn't work no matter what where i went and no matter how much money i had spend on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2024-04-09 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: 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.

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 2024-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Complaint against TransUnion for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ). 
I had previously contacted TransUnion on XXXX regarding a Bankruptcy on my TransUnion credit report that is not mine. As per the FCRA, I requested detailed information and documentation related to their investigation of my dispute. However, despite my repeated requests, TransUnion has failed to provide the necessary information and documentation. 
This lack of transparency and failure to provide the requested information is, to my understanding, a violation of the FCRA. The FCRA clearly states that consumers have the right to know the information in their file and the right to dispute incomplete or inaccurate information. 
Furthermore, due to TransUnion 's non-compliance with the FCRA, I have been unable to secure credit. This has caused me significant financial hardship and distress. I believe that TransUnion is liable for monetary damages due to their violation of the FCRA and the subsequent impact on my ability to secure credit. 
I kindly request the Consumer Financial Protection Bureau to look into this matter and take appropriate action. I am hopeful that your intervention will ensure that TransUnion complies with the FCRA and provides the necessary information and documentation related to their investigation. 
Please find attached copies of my correspondence with TransUnion for your reference. 
Thank you for your attention to this matter.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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