vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Showing a bankrupcy # XXXX, XXXX, XXXX and XXXX I have no record of these item and the federal court has no record of these for me. When asked how did the Bureaus verify these items they have not been able too. 

Per FCRA, they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified without using E-OSCAR or third party per Thomas v. Trans Union, LLC ( 1:18-cv-06460 ). 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA They have failed to provide information as to how this hurtful information is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: FL

Complaint narrative:
I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) Account Name XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2022-08-18 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: SC

Complaint narrative:
I sent a letter to XXXX, Transunion and XXXX on XX/XX/XXXX, How ever the credit beureas said the completed the investigation and everything was 100 % accurate. 

15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and ho it was completed

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 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: MI

Complaint narrative:
Cash App received my government stimulus check. I had been trying to find where my stimulus money went and contacted them on multiple occasions. I had deleted my account and thought it was closed. When the funds went into the account Cash App never contacted me. 

When I realized which account the funds were in, I contacted Cash App multiple times to get access to my account. I no longer have access to the email address nor do I have the phone number I registered the account with. I have the cash app card. However, this was not enough to verify my ownership of my account. 

There needs to be other mitigation processes in place for people like me who have struggle to get access to my funds. 

At this point, my stimulus money has been issued to me ; however, I do not have access to it. I can use the card issued to the account ; however, I need the cash money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/2022 I reviewed a copy of my credit report and noticed the following information regarding inquiry below to be in error. Per the Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. 

The following inquiry is not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

1. PAYPAL SYNCBPAYPAL I reached out to Paypal who was not of any assistance to address this issue and directed me to contact the credit bureau to delete this inquiry from my credit report. 

I contacted XXXX to investigate and provide evidence that Paypal says that they have pulled my credit report with my permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit. 
2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission. Please include documentation of said permission. 

XXXX sent a response explaining why the inquiry is on my credit report and didnt appear to investigate this matter at all.

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 2022-08-18 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: SC

Complaint narrative:
I am a natural person. I am a living being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed because, according to 15 USC 1681 : I have a right to privacy and I did not give Equifax permission to furnish these accounts. 
Accounts : XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$24000.00} XXXXXXXX XXXX XXXXXXXX XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX continues to report fraudulent information on my credit report. I have disputed several times to no avail. They are in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
2 Remaining Negative Accounts. 

Account Name : CCB/DAVIDS Account Number : XXXX Account Name : CB/TORRID Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had entered into a non- binding mediation proposal with wells fargo because of the use of my credit score to profit by the bank and the opening of an unauthorized checking and savings account on my behalf by the bank. On XX/XX/2022 and on XX/XX/2022 l had sign an agreement with the bank because of the terms listed on the mediation proposal by the independent mediation service provider XXXX. Wells fargo had paid to me the sum of {$970.00} for the agreement made because of the mediation proposal. The agreement was for wells fargo to pay to me the sum of {$700.00} grossed. The sum of {$970.00} paid to me by wells fargo is a very little sum of money compared to what the mediation proposal had ask to be paid. The proposal had ask for a two year identity theft protection along with the {$700.00} grossed to be paid to me by the bank, wells fargo bank. Wells fargo had ask me to enroll in XXXX XXXX, a {$60.00} XXXX in value base upon my opinion. I had told the bank that l had enroll in XXXX XXXX  because of the lawsuit file by XXXX because. of the data breach that had occurred and the settlement of the lawsuit that was file because of the XXXX data breach. I was told by the wells fargo mediation program office and by the claim representative of wells fargo, XXXX XXXX, that the most wells fargo could offer me for my failure to procure the identity protection service offered by the bank because of my prior enrollment in XXXX XXXX XXXX offered also by wells fargo is the sum of {$200.00}. I would like for the consumer financial protection bureau to inform wells fargo of any exact amount of money owed to me by the bank, wells fargo because of the agreement made between myself, wells fargo bank and the independent mediation service provider, 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 2022-08-18 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: KS

Complaint narrative:
XXXX XXXX XXXX has failed to report the deficiency balance on this voluntary surrender. The balance that is reporting is incorrect. they have also failed to report the original balance or high credit. The date of first delinquency has also not been told to me or verified, as I believe the date of last payment has been changed to affect the statute of limitation and reporting date. This company has also failed to report that this account is in dispute. I have attached a copy of the credit reporting to this complaint.

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 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In the last year I began to receive letters from a collection agency for a debt that is not mine. The collection attempts were from recurring charges that appeared on my credit card account in XXXX to XX/XX/2020. The bank removed the charges and provided me with a new card number. XXXX XXXX  deemed the charges as fraudulent and I was not responsible for payment. The vendor, XXXX, did not initiate a chargeback of the charges or provide evidence to validate the charges with XXXX. XXXX did not record the charges as fraudulent within their own system hence why I am now getting collection attempts. 
I have provided the collection agency, Resurgent, with a letter requesting that they cease and desist collection and a letter from XXXX indicating the charges were fraudulent and stating that I am not responsible which is dated XX/XX/2020. I also completed the company 's affidavit indicating the charges were due to fraud and not mine. Resurgent  is still attempting to collect payment from me. 
I will not pay for a debt that is not mine. I will not hesitate to sue XXXX and Resurgent if this debt is reported to the credit reporting agencies and show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received an email that CitiBank closed my account for violating the terms of my account. I'm not sure what that means, I haven't done anything unusual. I received an email right before stating that there was unusual activity on my account and that I needed to resolve it. I've called the number and extension mentioned in the email, and was just transferred from department to department with a 45 minutes to 1.5 hour wait time each time. I spoke with many individuals who barely spoke XXXX, and none of them were helpful. I asked to speak with a manager, they then told me that there wasn't one, and that they were going to disconnect the call. No one could tell me why my account was being closed, or why I can't get my money. I no longer have access to my account online, and I can't transfer anything out via the automated phone system. I have a large sum of money in the savings and checking accounts combined that I can't touch. Please help.

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 2022-08-18 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: MN

Complaint narrative:
I called XXXX XXXXXXXX XXXX  to ask if the could remove the late payment from my account and they stated there was nothing they could do that I needed to speak with the credit reporting agencies. I mentioned to them that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they should not have shared that information as the company is a third party and no-one notified me of this action taking place. This call occurred on XX/XX/2022 at approx. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NC

Complaint narrative:
XXXX XXXX inaccurately reported a late payment of 30 days for XX/XX/2022 on my credit reports. I disputed the late payment with XXXX and XXXX. The disputes resulted in XXXX XXXX updating to reflect paid on time with all 3 bureaus to include Equifax. In XXXX however, both XXXX and Equifax again inaccurately reported the late payment. XXXX reported it again as 30 days late and Equifax reported it as 60 days late this time with both being inaccurate. XXXX still shows the account as never late although it is now closed which is accurate. I disputed the items again with both XXXX and Equifax using information furnished to Equifax from the creditor themselves that shows {$0.00} past due in the month of XXXX as well as no activity indicator of any payments past due. Both Equifax and XXXX still refuse to update my credit report accordingly. I requested a copy of the information furnished to XXXX in response to my dispute regarding the late payment reported and a representative explained to me they don't get involved or ask for any proof. They only ask the company to verify whether or not is true and if the company says it is verified they will not remove it. 

I filed a complaint with the CFPB which is now closed. XXXX stated they updated the account in the conclusion however nothing has been updated. They stated they removed a name which they did not and that does not address the issue that I have. I have the payment history report that XXXX XXXX furnished to the credit bureaus which shows amount past due for the reported late payment as {$0.00} because there were no amount past due. There also is no activity indicator of a late payment on the payment history report that XXXX XXXX provided. XXXX refuses to update my credit report according to the payment history report provided from XXXX XXXX which I forwarded over to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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