vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 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: AZ

Complaint narrative:
I hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to my XXXX account. 

Despite being charged off, my account is reported as 'charged off ' on a monthly basis. This ongoing reporting is causing it to appear as though new negative events are happening every month, which is misleading and inaccurate. 

As per the Fair Credit Reporting Act, a charged-off account should only be reported as such once, not continuously every month. This consistent reporting not only contravenes this guideline but also unduly impacts my credit score.

Due to these persistent inaccuracies and the adverse effect they're having on my credit standing, I kindly request your intervention to rectify this situation. I am seeking the removal of this account from my credit report, given its incorrect and misleading monthly charge-off reporting. 

Thank you for your prompt attention to this matter. 

Best regards, 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
Consumer complaint received 2023-07-07 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: AZ

Complaint narrative:
I hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to my XXXX account. 

Despite being charged off, my account is reported as 'charged off ' on a monthly basis. This ongoing reporting is causing it to appear as though new negative events are happening every month, which is misleading and inaccurate. 

As per the Fair Credit Reporting Act, a charged-off account should only be reported as such once, not continuously every month. This consistent reporting not only contravenes this guideline but also unduly impacts my credit score. 

Due to these persistent inaccuracies and the adverse effect they're having on my credit standing, I kindly request your intervention to rectify this situation. I am seeking the removal of this account from my credit report, given its incorrect and misleading monthly charge-off reporting. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
As of XX/XX/2023, my credit bureaus have added a new hard inquiry from an unknown authority. The TD BANK/Target inquiry did not come from any inquiry of my doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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: OK

Complaint narrative:
I have previously written to Experian to address a list of hard inquiries on my credit report that went largely ignored. Today, I sent Experian a formal Notice of Intent to Sue letter via CM RRR # XXXX. I have demanded under FCRA U.S. Code 15 U.S.C. 1681 et seq 604 that the list of hard inquiries are there without my express consent. In XXXX of 2022 I experienced XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and the entire contents of my purse along with identification documents were stolen. There is a police report regarding such ; however it contains very personal information and I should not have to expose myself or render myself vulnerable to a large bureaucratic agency with obviously zero empathy or regard for how they respond to consumers and how their respective neglect affects lives. I am a XXXX yo XXXX, these hard inquiries have driven down my credit score, making it extremely difficult to rent an apartment or to buy a car without an exorbitant deposit or a extremely high interest rate. Experian should step up and pay the penalty as outlined in the FCRA for reporting inaccurate information, per each violation. I have attached my formal letter, along with an example of damages from a recent apartment application. The expenses involved are application fees that I can not recover while I go completely ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: AL

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry 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 non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-07-07 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: LA

Complaint narrative:
I have made several attempts to dispute accounts reporting on my consumer report that do not belong to me. These fraudulent accounts are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts, I did not open these accounts, and I have never resided at the address listed on these account. It is very clear that the companies opening these accounts as well as the CRA 's are not taking the proper procedures to verify identification and is essentially assisting the thief in identity theft. I have resided in the same home with the same phone number for the last 39 years and any business I conducted should be attached to that information only. Anything else is fraud I have filed my FTC report and if these accounts are not removed I will file suit. I know for a FACT none of these companies or CRA have verified the consumers identity and won't be able to stand a chance in court. This is my final demand for permanent block and removable of these fraudulent accounts from all major credit bureaus.

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 2023-07-07 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: LA

Complaint narrative:
I have made several attempts to dispute accounts reporting on my consumer report that do not belong to me. These fraudulent accounts are 1. XXXX  2.XXXX XXXXXXXX XXXX 3XXXX XXXX 4XXXX XXXX 5XXXX XXXXXXXX XXXX XXXX I have no knowledge of these accounts, I did not open these accounts, and I have never resided at the address listed on these account. It is very clear that the companies opening these accounts as well as the CRA 's are not taking the proper procedures to verify identification and is essentially assisting the thief in identity theft. I have resided in the same home with the same phone number for the last 39 years and any business I conducted should be attached to that information only. Anything else is fraud I have filed my FTC report and if these accounts are not removed I will file suit. I know for a FACT none of these companies or CRA have verified the consumers identity and won't be able to stand a chance in court. This is my final demand for permanent block and removable of these fraudulent accounts from all major credit bureaus.

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 2023-07-07 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: Grain Technology, Inc.
State: PA

Complaint narrative:
I reached out to Grain Technology via email and they have not responded into updating my report to correct the incorrect reporting status on my credit reports. My grain account is paid and full. I paid the full balance of {$82000.00} on XX/XX/2023, I have tried contacting this company and they never respond or when they do its weeks later. They still have not updated my reports showing account paid in full. I would very much like to get this resolved as quickly as possible as I have been experiencing XXXX  XXXX  since trying to contact this company. And in there statement email it says they promise to get a response to you in 2 business days its been almost 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: AZ

Complaint narrative:
I hope this message finds you well. I am reaching out regarding an issue with my XXXX XXXX account, as reported on my credit report. 

The report shows one instance of a missed payment for this account. However, there are several months where no data is reported at all, leading to an inconsistent and potentially inaccurate record of this account 's standing. 

According to the Fair Credit Reporting Act, all data reported on a credit report must be 100 % accurate. In this case, due to the inconsistencies and potential inaccuracies, it appears this standard has not been met. 

These inconsistencies are negatively impacting my credit score. I respectfully request your assistance in rectifying this situation by removing this account from my credit report, due to its potentially inaccurate reporting. 

Thank you for your prompt attention to this important matter. 

Best regards, 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
Consumer complaint received 2023-07-07 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: AZ

Complaint narrative:
I hope this message finds you well. I am reaching out regarding an issue with my XXXX XXXX account, as reported on my credit report. 

The report shows one instance of a missed payment for this account. However, there are several months where no data is reported at all, leading to an inconsistent and potentially inaccurate record of this account 's standing. 

According to the Fair Credit Reporting Act, all data reported on a credit report must be 100 % accurate. In this case, due to the inconsistencies and potential inaccuracies, it appears this standard has not been met. 

These inconsistencies are negatively impacting my credit score. I respectfully request your assistance in rectifying this situation by removing this account from my credit report, due to its potentially inaccurate reporting. 

Thank you for your prompt attention to this important matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: AZ

Complaint narrative:
I hope this message finds you well. I am reaching out regarding an issue with my XXXX XXXX account, as reported on my credit report. 

The report shows one instance of a missed payment for this account. However, there are several months where no data is reported at all, leading to an inconsistent and potentially inaccurate record of this account 's standing. 

According to the Fair Credit Reporting Act, all data reported on a credit report must be 100 % accurate. In this case, due to the inconsistencies and potential inaccuracies, it appears this standard has not been met. 

These inconsistencies are negatively impacting my credit score. I respectfully request your assistance in rectifying this situation by removing this account from my credit report, due to its potentially inaccurate reporting. 

Thank you for your prompt attention to this important matter. 

Best regards, 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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts, dates, and amounts that I do not recognize, nor am I responsible for, nor have I received any money or goods from the creation of these unknown accounts. I AM A VICTIM OF IDENTITY THEFT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I lost my wallet and the person who found it is using my social security card information to apply for credit cards and possibly other methods of credit. I am getting hard inquiries on my credit reports. 

The person has applied for a Chase credit card thus far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TN

Complaint narrative:
We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We just started using Square.com for CC and checking expenses for company. We only have 6 transaction on the ledger as we just started using it. on XX/XX/XXXX we transferred {$500.00} into account for operating expenses. Went to try and purchase Feed for our livestock. It was declined 3 times. Called and they told me my account was under review. the next day got a email stating the account was deactived and they will hold our funds for 90 days before returning. We have had XXXX goats die ( {$500.00} ), had to cancel 4 classes ( {$2000.00} ) plus the {$500.00} they are holding. This is my last attempt before getting a lawyer. I contacted and filed a complaint with the XXXX as well as the Attorney General of TN. XXXX got reply that they will investigate it, note only one goat died at this time. the next day another one died because of this. I immediately logged into XXXX  and reported that I did not accept the resolutions. This was the reply from them and what I wrote back. 

From Square : Hi XXXX, My name is XXXX and I am a Manager with Square. I am reaching out about a XXXX XXXX XXXX  complaint that you filed on XX/XX/XXXX. I am currently investigating this issue, but wanted to make contact with you. I will follow up again once I have more information about the situation. If you have any additional questions related to this issue, please respond to this email directly. I am happy to help. 


Regards, XXXX ( she/her ) Complaints Manager | Square Customer Success ref : XXXX : ref My Reply : From : XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Subject : Re : A Message from Square Support To : Square XXXX Cc : Yes it has been a nightmare I have only used it for like 6 transactions and just started using it for business expenses. We have no reason why it was deactivated. We now have our feed bill for our XXXX XXXX XXXX XXXX XXXX in limbo. It now starts transfer in progress. But every day keeps changing the date started out pending transfer on XXXX next day it changed to XXXX and today changed to XXXX. We are a XXXX XXXX that relies on donations and operating expenses which two of our goats have does since this. And we had to cancel 4 classes as we teach the youth about XXXX XXXX  and sustainability. There was money moved there to test debit card. Then there was a test transaction from website then the feed expense which was denied 3 times even though we moved money into it for this expense. We need that money released so we can feed our animals. Right now we are at a loss for about XXXXXXXX XXXX for the goats. XXXXXXXX XXXX for the classes canceled and the XXXX tied up in limbo. We need a resolve in this matter as if we loose one more animal there will be a lawsuit drawn up. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: LA

Complaint narrative:
I have made several attempts to dispute accounts reporting on my consumer report that do not belong to me. These fraudulent accounts are XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I have no knowledge of these accounts, I did not open these accounts, and I have never resided at the address listed on these account. It is very clear that the companies opening these accounts as well as the CRA 's are not taking the proper procedures to verify identification and is essentially assisting the thief in identity theft. I have resided in the same home with the same phone number for the last 39 years and any business I conducted should be attached to that information only. Anything else is fraud I have filed my FTC report and if these accounts are not removed I will file suit. I know for a FACT none of these companies or CRA have verified the consumers identity and won't be able to stand a chance in court. This is my final demand for permanent block and removable of these fraudulent accounts from all major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: LA

Complaint narrative:
Of the year between XXXX, my wife and I took out a personal loan with Republic Finance LLC . My wife became deceased in XX/XX/XXXX and I and my daughters were making payments to Republic Finance then I had a XXXX in XX/XX/XXXX and was not working, but my daughters were still making payments. I received a letter XX/XX/XXXX mark dated XX/XX/XXXX, from XXXX, XXXX & XXXX XXXX stating there was a judgment placed on XX/XX/XXXX, in favor of Republic Finance L.L.C. I was not even aware of a court date due to having XXXX XXXX XXXX in XX/XX/XXXX and never received a notice to appear for said court date. On XX/XX/XXXX, I reached out to XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. requesting the report of the delivery notice to appear for the court date and the contract between the firm and Republic as I do not give consent for my information to be transferred to a third party. They have not responded even though stating I only had 5 days to respond while taking two of those days for mailing. I also contacted the XXXX XXXX branch of Republic Finance on XXXX XXXX XXXX request that I receive my loan agreement and initial was told that a manager would have to be reached or I would have to get it from the attorney, which I requested to speak to the manager because my loan agreement should be delivered upon request as it contains my name and my social security number. I was finally told I can pick on my agreement on XX/XX/XXXX.

Company response to consumer: Closed with explanation