vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.

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 2024-12-27 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX and Experian are inaccurately reporting a XXXX XXXX  account ending in XXXX. This account and its balance do not belong to me ; they are a direct result of identity theft and fraud. I have reported this issue multiple times, yet they have not taken action to remove this account and update my credit report within the required timeframe. I demand immediate correction of this error.

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 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> someone ( with access to my social security number ) was able to call into Everbank and convince a banking agent to change the phone number on my accounts and the agent was in the process of changing a user ID and password on my account as requested by the fraudster. Were it not for me receiving an auto email that the phone number on my account was changed and had I not called in to enquirer, the fraudster would have taken over my accounts by a simple phone call to Everbank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc.
State: SC

Complaint narrative:
MY ACCOUNT # XXXX Whats good. 
XXXX XXXX you up to let you know I dispute the debt under the Fair Debt Collection Practices Act Aint no need for proof or more docs I just dont agree with the debt straight up If you got ta contact me hit me by email only XXXX  to XXXX  XXXX to XXXX XXXX XXXX XXXX No live calls no voicemails and dont send no mail through XXXX XXXX XXXX or any XXXX either Thats just inconvenient Thanks for understanding

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim XXXX XXXX XXXX XXXX, these accounts are fraudulent.

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 2024-12-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-27 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: MS

Complaint narrative:
There are changes being reported after 180 days after the account has been charged off. This is inaccurate reporting of the account and it is hurting my ability to obtain credit. I am demanding a deletion of the of the following account. XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I initiated a wire to transfer and Chase implemented triple quadruple factor checking that I did not request thats not in my interest instead of transferring the funds into a bank account that has my same name on it. So my money is trapped in Chase because I wont remove my program on my phone that requires numbers that I know come through that was set up by My Son. I actually dont know how to take it away. All they would have to do is call from the same number thats on the card or on my bank statements or for them to allow me to click over from speaking to one of the representatives to whoevers calling in on the new call and to add insult to injury when I requested my funds on demand be available when I came up there, they said they wouldnt be able to do that that large amount they would have to do it in intervals that would take a week!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file I demand that the above inquiries 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. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MY ACCOUNT # XXXX Whats good. 
Im hittin you up to let you know I dispute the debt under the Fair Debt Collection Practices Act Aint no need for proof or more docs I just dont agree with the debt straight up If you got ta contact me hit me by email only Monday to Friday XXXX to XXXX east coast time No live calls no voicemails and dont send no mail through XXXX XXXX XXXX or any couriers either Thats just inconvenient Thanks for understanding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX of XXXX, Bank of America closed my checking and savings account without any given reasonable explanation. I requested the reason for me the be permanently banned from them but none of the employees from BoA could provide a specific reason for them to close my account. So they said their system put me in their black list and Im probably in other banks black list as well because they are using XXXX together. They said after 6 months without banking I can try to open the checking account again but its been around 2 years and I still not can open any bank under my SSN. Until today I still dont understand why the bank decide to put me in their black list. They were holding all of my money around {$3500.00} from both checking and savings account I have for months later despite knowing the fact I need the money from my account to pay for my bills but they still not care and let me struggled.

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 2024-12-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of XXXX XXXX XXXX these accounts are fraudulent.

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 2024-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Since settling my debt with COLUMBIA DEBT RECOVERY LLC DBA GENESIS at the beginning of XX/XX/year>, I have noticed that the debt collector has continued to report the full balance on my account and credit report. Despite fulfilling my obligation and requesting that the account be closed with the balance updated to XXXX, I have received no action on this matter. Instead, I have been repeatedly sent emails requesting further payments. I have asked the company to update my account and provide a confirmation of the balance being settled, but I have only received excuses. I request immediate attention to this matter and the necessary adjustments be made to my account and credit report.My credit seriously hurt because of this balance that they refused to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent inquiries be deleted from my credit report immediately. Please remove it from my credit report or I am seeking litigation, please delete it. 

XXXX on XX/XX/XXXX. 
XXXX XXXX on 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
MY ACCOUNT # XXXX Whats good. 
Im hittin you up to let you know I dispute the debt under the Fair Debt Collection Practices Act Aint no need for proof or more docs I just dont agree with the debt straight up If you got ta contact me hit me by email only Monday to Friday XXXX to XXXX XXXX XXXX XXXX No live calls no voicemails and dont send no mail through USPS XXXX XXXX or any couriers either Thats just inconvenient Thanks for understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Last year, I got a credit card from Capital One. During the period I had to pay I was at the hospital for two months and my account was cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
To your company ( I am requesting THE METHOD OF VERIFICATION ) I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED FOR DELTION AND UPDATE EACH ACCOUNT THAT IS SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY TO PAID ON TIME/ NEVER LATE IMMEDIATELY. ( YOU HAVE 15 DAYS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. )

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 2024-12-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account 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 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
In early XX/XX/year>, my account with Cash App was closed. After my identity was stolen, I relied on this service for direct deposit. Cash App closed my account without any explanation but without any issue in still allowing charges to be attempted to my account. Due to this, I fell behind on bills and other essential payments. Customer service did nothing but tell me the latest they'd get back to me would be 30 days. Over 30 days later, still no answer. I submitted a complaint to the CFPB and they were able to get Cash App to respond, where I was told on XX/XX/year> that Cash App had " reinstated [ my ] account '' and that I " now [ had ] full use of Cash App and no further action [ was ] required at [ that ] time. '' Cash App never reinstated my account completely. Recently, on XX/XX/year> I attempted to order a new card, but contacted Customer Support when the option to get a new card ( after they cancelled my old one ) was unavailable. On XX/XX/year>, Cash App support sent me an email telling me they " have determined that you are not eligible to appeal your account closure, '' without even as much of an explanation or acknowledgment of their previous report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
Date : XX/XX/XXXXXXXX  XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief