vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 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: MA

Complaint narrative:
On XXXX XXXX, I sent an investigation letter certified ( XXXX ) ( XXXX ) ( XXXX ) to all bureaus to make sure all my accounts were properly investigated and completely accurate. These inaccuracies are severely affecting my credit rating resulting in denial in pursuit of purchasing a home and job denials while trying to take care of my family. Since you are supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus, please remove these detrimental inaccurate items immediately. 

the credit bureaus stated XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX were properly investigated but how is that possible when the date of last activity, account status, payment status, dispute status, date opened, high balance, last payment date, last verified, date last active close dates, are all wrong and still reporting inaccurately even after the investigation. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on 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 non-monetary relief
Consumer complaint received 2023-01-31 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: MA

Complaint narrative:
On XXXX XXXX, I sent an investigation letter certified ( XXXX ) ( XXXX ) ( XXXX ) to all bureaus to make sure all my accounts were properly investigated and completely accurate. These inaccuracies are severely affecting my credit rating resulting in denial in pursuit of purchasing a home and job denials while trying to take care of my family. Since you are supposed to remove ANY account that doesn't have the exact information on all XXXX credit bureaus, please remove these detrimental inaccurate items immediately. 

the credit bureaus stated XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX were properly investigated but how is that possible when the date of last activity, account status, payment status, dispute status, date opened, high balance, last payment date, last verified, date last active close dates, are all wrong and still reporting inaccurately even after the investigation. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Started XX/XX/XXXX with XXXX dollars then two installments Of XXXX then another XXXX again on the XXXX. Before that, on the XXXX by another at XXXX XXXX  till XX/XX/2023 small increments first of XXXX then XXXX installments of XXXX in total of XXXX then two XXXX dollar charges total of XXXX .all together XXXX. On XX/XX/XXXX a toda of XXXX was transferred to unknown merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-01-31 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-31 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: NV

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: 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. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, # XXXX Account name XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : 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 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 2023-01-31 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: 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. 

Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, # XXXX Account name XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : 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 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 2023-01-31 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: OH

Complaint narrative:
I was recently going through my credit report with EXPERIAN, XXXX AND XXXX. I notice they are a few accounts that do not belong to me and I do not recognize any of these companies. Also, it appears that someone will trying to get credit in my name and put hard inquires on my credit report. 
According to FCRA, I have the rights to dispute the following accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX 
Hard Inquiries XXXX XXXX XXXX  AND XXXX Please delete these fraudulent accounts from 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 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: MI

Complaint narrative:
To whom it may concern, I XXXX XXXX, the natural living man recieved correspondence from HRRG XX/XX/23 via U.S. mail regarding an unknown alleged debt. I have never done business with HRRG, I HAVE NOT SIGNED ANY CONTRACT WITH HRRG. I have never given consent for HRRG to house, store, nor share my personal/private information. I dispute the validity of this alleged debt, I demand validation for the alleged debt pursuant FDCPA FCRA guidelines. I have never authorized HRRG to access my private/personal information and do not know what this company is regarding to any alleged debt said to be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: CA

Complaint narrative:
Incorrect information on credit report should be deleted immediately. 
Sent documents to bureau called and sent certified documents. Collection agency XXXX XXXX  XXXX also sent letter and updated status stated it should be forged with no response from credit bureaus. 
Account # XXXX Amount ; {$540.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX United States

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 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was purchasing electric car chargers from a person on a XXXX group. I used XXXX at my Chase bank to transfer money. I have not received shipping information nor do I expect to at this point. 
How can Chase be allowed to promote a service where there is no recourse for getting scammed? If I use a debit card I can get recourse. If I use a credit card I can get recourse. How is this different?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid XXXX. XXXX XXXX order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$62000.00} in accordance with HJR-192 Public Law 73-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Chrysler XXXX XXXX XXXX XX/XX/2022. They accepted my instrument, but did not credit my account correctly. I did call on XXXX XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXX  and XXXX XXXX ID # XXXX recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they XXXX remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Ref : XXXX my initial complaint was not resolved : problem : A. Falsely reported my account was closed due to FRAUD ( misleading and not true ) B : reported to early warning credit.

C. Reported a discrepancy charge ( that should of been refunded back to my account, but BofA decided to take the side of the person I was disputing the charges with '' related to my son 's basketball fee to play basketball on a team that he never played for. ( We only did a few practices then decided not to move forward. 
D. My XXXX olds sons account was comprised this was documented and reported to bofa : the check signature is not my son 's ( this was all documented and reported ) E. Due to misleading information, I can not open a traditional account for a 7yrs F. This is discrimination, i would like this resolved and correspondence email back to me & CFPB with a resolution to restore checking account, i opened my account in XXXX and have never had such problems :

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 2023-01-31 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: IL

Complaint narrative:
Incorrect information being reported to tri-bureaus. Would like to freeze consumer reports.

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 2023-01-31 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: FL

Complaint narrative:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

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 2023-01-31 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: FL

Complaint narrative:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX I received an email ( included ) that may account had been closed and I owed {$8.00} in overdraft fees. I immediately sent a cashiers check to the address included in the email ( Citibank N.A.Bank by Mail XXXX XXXX XXXX. XXXX, MO XXXX ). I waited 10 business days and called to confirm the check was received. According to customer service, it was not. In the weeks to come I called countless times and spent SEVERAL hours on the phone with Citi Customer Service while they tried to locate the check for {$8.00} to resolve my account. I was told the check was never found. Then in XXXX I worked with my bank ( XXXX ) and they confirmed the check was cashed on XX/XX/XXXX ( Ive included proof of the cashiers check being cashed by LOSS REPORTING ). 

At this point, Im not sure why I was never told my account was in good standing by the customer service team, since the check was cashed in XXXX. 

Then on XX/XX/XXXX, I received a letter ( included ) that the check for {$8.00} was available at a branch in XXXX XXXX and that my account was given an auto credit. At this point, I assumed all the phone calls trying to locate the check were not necessary and that my account was cleared of the overdraft charged. 

Then on XX/XX/XXXX, I received TWO letters ( included ). The first letter dated XX/XX/XXXX is the exact same letter as the XX/XX/XXXX letter and explains the check is available at the XXXX XXXX branch and the account was given an auto credit. The second letter dated XX/XX/XXXX is stating the check has not been located and is requesting proof of the 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