vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 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: GA

Complaint narrative:
In accordance with fair credit reporting act. The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX Account numberXXXX XXXX. Account number XXXX. XXXX XXXX XXXXXXXX. XXXX Account number : XXXX XXXX XXXX account numberXXXX XXXX XXXX account number XXXX . Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish account, without my written instructions .15 U.S.C 1681c ( a ) ( 5 ) section States : no, consumer reporting agency may make any consumer report containing any of the following items of Information, other than records of convictions of crimes Which antedates the report by more than seven years .15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable call to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: GA

Complaint narrative:
In accordance with fair credit reporting act. The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX account number : XXXX .XXXX XXXX account number XXXX. XXXX XXXX. Account numberXXXX.XXXX XXXX Account number XXXX. XXXX XXXX XXXXXXXX. XXXX Account number : XXXX XXXX XXXX account numberXXXX XXXX XXXX account number XXXX . Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish account, without my written instructions .15 U.S.C 1681c ( a ) ( 5 ) section States : no, consumer reporting agency may make any consumer report containing any of the following items of Information, other than records of convictions of crimes Which antedates the report by more than seven years .15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable call to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: CA

Complaint narrative:
First Progress XXXX XXXX XXXX XXXX XXXX  TN XXXX. XX/XX/XXXX I applied for secured credit card in the amount of {$200.00}. Account approved and opened. I never used this card. No purchases were ever made. I lost my job due to Co-Vid XX/XX/XXXX. For an entire year First Progress remained with a balance of {$0.00} between XX/XX/XXXX thru XX/XX/XXXX. It wasn't until XX/XX/XXXX that the card was charged an annual fee of {$49.00}. Every bill after this was charged late fees and interest. First Progress ran my {$200.00} secured deposit all the way down to - {$4.00} and closed account. They kept my security deposit and made derogatory statements to the credit reporting bureau agencies. I can't see how I can lose my deposit on a card I never used

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: DE

Complaint narrative:
I am the owner of The XXXX XXXX XXXX. I provide personal training services to those in the Delaware area. On XX/XX/XXXX I received an email from a customer inquiring about personal training services for her XXXX children. I shared my booking link via email once again for her to check out my packages, policy, and let me know what would be best for her and her children. She let me know she was hearing impaired and ill and wanted her XXXX girls to start training on XX/XX/XXXX of 2023. I gave her a clear explanation of my packages and pricing and she chose the best XXXX for her which was 3 month packages for both kids totaling to {$1600.00}. I sent the invoice over for the payment and she successfully made the payment. It was also made clear and clarified that I do have a no refund policy and to make sure training still gets completed. Payment was processed XX/XX/XXXX. This customer kept up with me via text from that point on about training for her children, she chose their dates and times and they were added to schedule. On XX/XX/XXXX square space messages me about a dispute for {$1600.00}. I sent a copy of my policy, my packages, and all communication between the customer and myself. From that day until now XX/XX/XXXX squarespace held the {$1600.00} from my account. Then they debited my personal account for that same {$1600.00} multiple times putting me in the negative. They have held every paid invoice I received from other clients totaling {$1600.00}. Their agents failed to clearly explain why this was happening each time telling me they could not help. As of today XX/XX/XXXX my account is still on hold after being told XX/XX/XXXX that I was in the clear as far as the {$1600.00} due to them holding paid invoices to equal that amount.They have as of XX/XX/XXXX hit me account for that {$1600.00} yet again. It is sad they don't have any resolution for honest business owners. This has caused a huge inconvenience as this is how I live and take care of my family. They have been no help and I get told different things every Time I call. I will not be continuing business with this company and would appreciate for my account to be returned back to it original state and for them to return the {$1600.00}. I am also not able to keep track of my sales because the app is also improperly tracking my sales as SquareSpace keeps doing their own adjustment due to this! I have reached out to the CEO of this company via email to let him know what is happening and I have also contacted an attorney on this matter as I feel I am being cheated and robbed at this point with no clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: TX

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-07-03 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: GA

Complaint narrative:
This is my 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Today I looked at my consumer report and seen some items rom who I do not know. WAKEFIELD & ASSOCIATES are on my XXXX and XXXX 4 times. According to federal laws I have never received any written communication from this debt collector. The account they have listed are security accounts in which I most definitely have zero knowledge of. Wakefield & associates stole my identity from XXXX XXXX XXXX, XXXX XXXX XXXX, and two accounts from a company called XXXX XXXX XXXX XXXX XXXX XXXX  which is permanently closed according to XXXX. I have never dealt with any of these companies I have never given any of them my signature or even have i ever went into any contracts with these companies and the companies that wakefield & associates have bought my identity from I have never even given it to them. Stealing identity is a federal crime per 18 usc 1028 and according to the privacy act of 1974 this should have never happened. They never contacted me concerning either of these companies neither have any of the companies contacted me. This is pure fraud that needs to be fixed. per 17 cfr 248.124 I opt out of any of these companies reporting to my consumer report. You are not allowed to even place an alleged debt on someone consumer report without prior written permission I never received any notifcation of attempting to collect an alleged debt. This is total fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: NV

Complaint narrative:
On XX/XX/2023 my mortgage with XXXX XXXX XXXX was paid in full. I disputed the balance and they have refused to report that loan is paid in full and reported to credit bureau that their reporting in correct.

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 2023-07-03 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: NJ

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-07-03 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:
I recently pulled my credit report only to find that there were accounts being reported illegally with Experian, XXXX, and XXXX. They are in direct violation of 15 U.S. Code 1681s-2

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 2023-07-03 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: GA

Complaint narrative:
XXXX stated they were going to do a soft credit check and they put a hard inquiry on my credit file for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX {$52000.00}. XXXX XXXX {$20000.00} XXXX XXXX {$100000.00} XXXX XXXX {$8500.00}. XXXX XXXX {$3500.00} have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I have a right to opt out of having accounts reported to my consumer report and now I am exercising my rights to do so.remove all accounts list at once.

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 2023-07-03 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: FL

Complaint narrative:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Completely out of the blue, I received a letter from Chase stating that they are closing my checking account and credit cards due to unexpected activity. When I called to ask what caused this, they wouldnt/couldnt tell me, saying a different department had made this decision and that is final and permanent with no appeals process. I have no idea what might have happened to make them come to this decision. They had never given me any indication before that there was a problem. Ive never had any penalties and have always paid my account balance in full on my credit cards. Theres no rational reason I can think that they would spontaneously close my accounts, and its extremely frustrating that they wont tell me why. 
The letter was dated XX/XX/XXXX but I only received it XX/XX/2023 and they said I have until XX/XX/XXXX to withdraw all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX ( Original Creditor : XXXX 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 604 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX ( Original Creditor : XXXX 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 604 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Please find the HARD INQUIRY details listed across all 3 Credit Bureaus. 

Hard Inquiries : CAPITAL ONE Inquiry : XXXX XXXX, XXXX Institution Information : CAPITAL ONE XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX I contacted Capital One in XX/XX/XXXX regarding this inquiry following an alert via XXXX XXXX of a new inquiry made against my credit report ( s ). I contacted Capital One with the details provided by XXXX XXXX, the representative I spoke with identified that an application had been submitted using my SS #, but had been declined without a documented reason. I inquired about whether the application was submitted online, via phone or in person, as well as the provided address given during the application process without any information being able to be provided by the representative since the application was declined. I asked that this inquiry be removed, as I never submitted any application for a Captial One product in XX/XX/XXXX or prior, and that I was living abroad at the time of the application and contacting Capital One. As I understood this would be removed by Captial One across all 3 Credit Bureau. This inquiry is still showing as a HARD INQUIRY on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: NV

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief