vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 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: PA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: TX

Complaint narrative:
XXXX XXXX XXXX # XXXX {$670.00} XXXX XXXX XXXX # XXXX {$790.00} XXXX XXXX XXXX # XXXX {$1600.00} has violated my rights 15. U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 section 2 : its also states a consumer reporting agency can not furnish an account without my written instruction.

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 1681 section 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 2022-12-16 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:
Reporting incorrect information and should be deleted according to the FCRA. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX showing past due balance of {$890.00}, this account was closed in XXXX and updated when I filed dispute. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX past due balance of {$870.00}, this account was closed in XXXX and updated when I filed dispute. 
XXXX. XXXX showing in XXXX XXXX bankruptcy, which is incorrect information, I disputed this account and it was still added to my credit report. 
( 9 years reporting on credit file ) XXXXXXXX XXXX XXXX Bankruptcy XXXX : ,Discharged Date Filed/Reported : XX/XX/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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXXXXXX 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 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 2022-12-16 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: PA

Complaint narrative:
I appreciate your taking the time to REMOVE some of the unverified inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XX/XX/XXXXXXXX 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 2022-12-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: MT

Complaint narrative:
Cash App reviews Cash App - Unauthorized transactions that were refunded but not recieved XX/XX/2022 Verified Reviewer 0 comments 1.0 Name : XXXX XXXX XXXX XXXX  : $ XXXX Reason : Back in XX/XX/2022 I had 4 unathorized transactions go through on my accpunt that I did not authorize nor did anyone have access to my secure card or account information which i keep very secure with multiple passwords on my phone. I disputed these transactions in the amounts of XXXX, XXXX, XXXX, XXXX. 

I never make these sort of purchases, especially repeatedly like this. So Cash App said refunds were sent back to my card linked to my account but have still gave never recieved a penny of them. Was told to conntact my card issuing bank and even with the trace numbers provided to me by cash app they were not able to locate said refunds anywhere. Fast foward and many many chats emails and phone calls, hours wasted talking with too many support agents to count, still nothing. 

So cash app tells me they will start their own investigation if i provide proof i never recieved them and things like name reason i think these were unauthroized, cashtag, dates and amounts. I provided all of this and have been the most cooperative with cash app three times now. They refuse to start investigation without any valid reason and keep giving me the mosy ridiculous automated answers as if they have no idea what i am even talkinh about even though i have chats that go back more than three months ago about this very issue. Sometimes i am just completlely ignored and told if there is anything else they could help me with theyd be happy too.

I need my money that is owed to me and i have waited lomg enough and have already started a complaint with the XXXX and CFPB and have no problem getting legal helo to go to arbitration if that is what it is going to take in order to get my money at least located. 

The weird thing is that each of these transactions still are in a pending status that says " REFUNDING BY XX/XX/2022. '' IT DOES NOT SAY REFUNDED, IT SAYS REFUNDING AS IF IT HASNT HAPPENED YET. i am really hoping to get this resolved immediatley and hope you will be able to help me out with this situation. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, 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 2 also states a consumer reporting agency can not furnish an account without my written instructions. Furthermore, this account is being reported without my consent.

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 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I submitted a bill pay to my XXXXXXXX XXXX XXXX from capitalone mobile XXXX on XX/XX/22 from my checking account. Before submitting the bill pay it said it would be delivered within one business and be sent electronically. After submitting the payment i got an email saying that Capital One is mailing a check to XXXX which will take 5-7 business vs what showed up BEFORE submitting the payment. I called capitalone about cancelling it and they said the only thing I could do was to dispute and it would take 90 days to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16 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: IL

Complaint narrative:
In accordance with the fair credit reporting act 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 2 also states a consumer reporting agency can not furnish an account without my written instructions. Furthermore, this account is being reported without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: IL

Complaint narrative:
In accordance with the fair credit reporting act 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 2 also states a consumer reporting agency can not furnish an account without my written instructions. Furthermore, this account is being reported without my consent.

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 2022-12-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXX # XXXX {$790.00} XXXX XXXX XXXX # XXXX {$1600.00} has violated my rights 15. U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 section 2 : its also states a consumer reporting agency can not furnish an account without my written instruction.

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 1681 section 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 2022-12-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} has violated my rights 15. U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 section 2 : its also states a consumer reporting agency can not furnish an account without my written instruction.

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 1681 section 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 2022-12-16 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: IL

Complaint narrative:
I have a hard inquiry that is not mine. It was a fraudulent inquiry. Somebody was trying to open credit cards with my information. I tried removing this from the credit bureau and its still there. Theyre not doing their job. The income is XXXX XXXX bank address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, phone number 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 2022-12-16 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:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 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 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 2022-12-16 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: KY

Complaint narrative:
This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to fraud. Under the FCRA section 605b, I am requesting of you to remove the following accounts off my Credit File : XXXXXXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$900.00}. If you believe that the disputed accounts belong under my name, you should have send me results of your investigation to support your claims. In the absence of such documents you should have removed the disputed accounts off my Credit File.

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 2022-12-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
in XX/XX/2021 I talked with XXXX XXXX XXXX of XXXX, because i had fallen a few payments behind and i was scared i was going to lose my home. So i gave them XXXX or XXXX XXXX dollars to start my case and i filled out with my signature a cease and desist form for my morgage with us bank. Then i was suppose to fill out more paperwork and send them more money. They started being real pushy and I suspected fraud right away. So I told them in email i wasnt going to be using there services. And i felt they were fraudulent. Months later when i went to do my taxes. I noticed them on my tax paperwork. I went to the bank, they actually were rude to me as if i was crazy. I felt discouraged and time went by. Im talking to morgage assistance yesterday and they pointed them out on my morgage statement. I had no idea they were on it. I called the bank I told them to take them off of person of contact they are fraud. She told me she could not do that.. Im upset that i never signed any paperwork or any contracts with them and i didnt do any of there obligations they said i had to do in a timley maner. now when i go to talk to my bank they cant help me out. I have proof of emails telling them i was not using there services. I cant believe the bank will quickly put them on my morgage. I have not gave them any money I have been paying the bank my morgage each month to us bank. Im so afraid. They are trying to take over my home. Espacally I never did any business with them. What do i do next?

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Reporting incorrect information and should be deleted according to the FCRA. 

1. XXXX XXXX XXXX  XXXX showing past due balance of {$890.00}, this account was closed in XXXX and updated when I filed dispute. 
2. XXXX XXXX XXXX # XXXX past due balance of {$870.00}, this account was closed in XXXX and updated when I filed dispute. 
3. XXXX showing in XXXX  XXXX bankruptcy, which is incorrect information, I disputed this account and it was still added to my credit report. 
( 9 years reporting on credit file ) 4. XXXX XXXX Bankruptcy XXXX : ,Discharged Date Filed/Reported : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Reporting incorrect information and should be deleted according to the FCRA. 

1. XXXX XXXX XXXX XXXX showing past due balance of {$890.00}, this account was closed in XXXX and updated when I filed dispute. 
2. XXXX XXXX XXXX # XXXX past due balance of {$870.00}, this account was closed in XXXX and updated when I filed dispute. 
3. XXXX showing in XXXX XXXX bankruptcy, which is incorrect information, I disputed this account and it was still added to my credit report. 
( 9 years reporting on credit file ) 4. XXXX XXXX Bankruptcy Status : ,Discharged Date Filed/Reported : XX/XX/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 2022-12-16 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:
I have a hard inquiry that is not mine. It was a fraudulent inquiry. Somebody was trying to open credit cards with my information. I tried removing this from the credit bureau and its still there. Theyre not doing their job. The income is XXXX XXXX XXXX address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: IL

Complaint narrative:
I have a hard inquiry that is not mine. It was a fraudulent inquiry. Somebody was trying to open credit cards with my information. I tried removing this from the credit bureau and its still there. Theyre not doing their job. The income is XXXX XXXX XXXX  address, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, phone number 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 2022-12-16 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:
I have an inquiry that is fraudulent someone else did it and I tried removing it from the credit bureau and they wont do it. The inquiry is XXXX  code services. XXXX. The address is XXXX XXXX XXXX  XXXX XXXXXXXX, NY ZIP Code, XXXX. The telephone number is XXXX. 
The inquiry was on XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation