vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: MD

Complaint narrative:
TransUnion is illegally allowing/providing XXXX XXXX XXXX operating under XXXX XXXX access to my consumer reports prior to and after I requested to opt out of sharing consumer data. 

I currently do not have any accounts banking or credit accounts with XXXX, prior to XXXX, I had accounts with XXXX XXXX, XXXX XXXX XXXX which were closed prior to XXXX  purchase of said brand. 

At no time did I or ask XXXX for any additional lines of credit or to re-open any accounts my business was concluded with the cardholder once accounts were closed in XXXX. 

At no time did I grant permission purpose to XXXX for any reasons in fact I sent TransUnion a letter opting out of sharing data without my express written consent. 

XXXX has illegally obtained/requested my consumer report every month from XXXX  to present date. 

I attempted to reach out to XXXX who refused to provide answers or cease and desist illegally accessing my consumer reports. 

I am requesting CFPB investigate and bring legal actions against both parties for illegally access consumer credit reports and enact or enforce current laws that provide consumer protection and relief from this abusive practice.

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 2023-06-07 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
From approximately XX/XX/XXXX until the beginning months of XXXX, I was the victim of severe identity theft and fraud on all of my financial accounts and personal technology. Additionally, in XXXX of XXXX I got sick and required hospitalization. I was not well again until the beginning of XXXX. As a result, I did not add any charges to the card during that time frame. Additionally, there was additional coverage on the car insuring the resolution of any outstanding balance if, in fact, I did become ill and could not otherwise resolve the dame. I therefore dispute the balance in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: IN

Complaint narrative:
All three major credit reporting agencies continued to dis regard my attempts via certified mail to furnish proof of debt ownership with an original contract with my wet ink signature. The alleged ownership of the negative accounts reporting on my consumer report has and still are severely impacting me financially and mentally. Ive provided proof of identity and current address and still, they have yet to provide me with proof of debit ownership in accordance to United States consumer laws, I found that these companies have been in major violations in accordance to these federal laws. 

By furnishing these alleged debts my following rights have been and continues to be violated : 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 section 2 : states the a reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681 - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term consumer report does not include ANY REPORT containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.

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 2023-06-07 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: Monterey Financial Services LLC
State: NY

Complaint narrative:
I have sent in disputes and also a debt validation letter. Included will be the mail tracking number and documents that were received from them in correspondence to the debt validation. The information they sent does not suffice a validation of a consumer or credit debt that I owe. The company Monterey Financial Services LLC, account # : XXXX is reporting on multiple credit bureaus inaccurate information. 
Certified mail receipt tracking # XXXX Date : XX/XX/2022 No documents that were included were the required documentation to validate a debt. 
Included will be all documentation received from Monterey Financial Services LLC. I would like to also be compensated for the multiple violations committed by company Monterey Financial Services LLC and or XXXX. 
{$1000.00} per violation under 15 USC 1681 ( a ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MO

Complaint narrative:
On XXXX XXXX the IRS issued a tax refund to my Cash App by direct deposit. The amount was XXXX dollars. 

I have contacted the IRS three times about this. Each time they make sure it was sent to the correct account. The third time a tracer was place and could take up to 190 days. 

Cash App has been contacted multiple times about this. They can not find the deposit and won't connect me with someone that can or will. They say that they do not give tax advice and I need to call the IRS. I have been told that management will contact me by email. That has not happened. I have emailed support through the app mid XXXX. Still no response. After the Cash App representative checks to see if it has been deposited, I am told that there is no more information they can give. After I ask for another number or to talk with management, they repeat that they have no more information to give me and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: TX

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 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 is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: AR

Complaint narrative:
These companies has furnished my credit for so many years to a point XXXX cant buy a home, get a vehicle for me and my family, nor any loan. Which they violated my rights as a consumer

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 2023-06-07 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: TX

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX Account Number XXXX XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Method of Verification for Transunion : This notice is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX Account # XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter.

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 2023-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
2023 XX/XX/2023 Case Number : XXXX XXXX XXXX I am writing to file a complaint against [ Capital One Bank ] for [ denying and refusing to credit back to my account {$840.00} for a defective/ faulty piece of equipment/malfunctioning machine that I purchased from The Merchant name is XXXX. We purchased this piece of equipment from their companys website XXXX XXXX XXXX XXXX. Order Number : XXXX dated ( XX/XX/2023 ) and received it on XX/XX/2023, however, this order ( which is Order Number : XXXX ) contained a malfunctioning machine / defective equipment on my Capital One credit card Capital One Account # XXXX. I notified the merchant first about the problem with the equipment and they in turn requested pictures of the machine when it would malfunction and stop working. I provided the information that they requested of me. They went as far as even suggesting that I try to find any repair point locally and they would bear the repair cost, in addition to offering a partially refunded to be in in the amount of {$250.00} as compensation for me to try to keep it. I should not have to pay that much money for something and then have to search for someone to make repairs to it before it is able to operate. I am willing to return this piece of equipment back to them if they would send me the requested material ( the return slip ) which is needed to return the machine, Again I do not think that I should or am obligated to have to pay for something that was/is non-operational when I received it and does not work I next notified my credit card company about this problem. They had at first refunded my account back the {$840.00} the amount I am disputing, which I had already paid but then they took it back off and reapply the charge back to my account stating that the charge would appear on my next one to two billing statements because the XXXX disputed my claim At that time, they considered my case closed. 
and If I wanted to continue with this dispute, They requested a signed and dated letter that included my case number, the merchant 's name, the date of the transaction, and the disputed amount by XX/XX/2023. along with all of the correspondence describing the problem I had experienced and copies of all relevant documents that support my claim, which I have provided them with all of this information. I was instructed to fax the requested information to XXXX XXXX and allow 10 business days for THEM to respond This has been going on since or first started XX/XX/2023 2023

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
We updated our hazard insurance policy and notified our mortgage company before payment was scheduled to be sent. After we notified them of the new insurer, they sent the old premium payment of {$1300.00} to the old insurer. We noticed their error and had them send the payment to the new insurer, and it was received. However, we have contacted them multiple times since they sent the payment in error and have been told that the check has been stopped and that the {$1300.00} would refund to our escrow account. Today we learned that the information provided on multiple occasions was never true, and the old insurer had presented to check for payment and to seek a refund from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: VA

Complaint narrative:
I hope this letter finds you well. My name is XXXX XXXX, a federally protected consumer. I am writing to inform you that I have recently discovered that I am a victim of identity theft. After returning from a XXXX in XXXX with my wife, I was shocked to find that my credit has been severely compromised. The past seven years have been spent abroad, making it unnecessary for me to utilize American banks. However, upon returning and checking my credit report, I discovered various fraudulent activities, including unauthorized addresses, a different social security number attached to my consumer report, and unfamiliar names. 

I am deeply concerned about the impact this identity theft has had on my creditworthiness, particularly as it is hindering my ability to provide a stable home for my family. We are currently unable to purchase a house due to the presence of these fraudulent accounts on my credit report. 

To support my claim, I have attached a copy of the police report and the identity theft report, both of which detail the fraudulent activities I have encountered. I kindly request that you thoroughly investigate the matter and take immediate action to remove all fraudulent information from my credit report within four business days. 

Below is a list of the fraudulent accounts that need to be addressed : XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX  - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX & XXXX Additionally, I would like to bring to your attention the following fraudulent address and social security number associated with my consumer report : Fraud Address : XXXX XXXX XXXX, XXXX, MI XXXX Fraudulent Social Security Number : XXXX I kindly request that you provide a genuine response to this matter, considering the urgency and severity of the situation. Please ensure that the response is not an automated or generic response from e-oscar. 

I appreciate your immediate attention to this matter and your cooperation in resolving this identity theft issue promptly. Should you require any additional information or documentation, please do not hesitate to contact me at the provided contact details. 

Thank you for your understanding and assistance. 

Sincerely, 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 2023-06-07 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: DISCOVER BANK
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been a Wells Fargo customer off and on since XXXX. I have had car loans and checking and savings accounts. I reopened a checking and savings account and did so two plus weeks prior to my deposit issue. Unfortunately, the local XXXX, VA branch of Wells Fargo closes at XXXX XXXX. on Fridays including the drive thru. I submitted a check deposit through the ATM and it was verified. The check being deposited was a Wells Fargo payroll check going into my Wells Fargo account. They have placed a hold on the check since Saturday, XX/XX/XXXX. I am told that they will not release the hold until XX/XX/XXXX. Under law, I am to the understanding that they can only hold a check for seven days. That I was told by XXXX in their customer service department was also a company policy. XXXX tried to say that on their end, it showed the hold being placed on Monday, XX/XX/XXXX. My documentation shows otherwise. I can not get anyone to help me with this and feel that not only is this poor business practices but also violating laws which in the past Wells Fargo has done and lost court cases to. I would like some help in getting this resolved as they are unwilling to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation