vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 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: GA

Complaint narrative:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging XXXXXXXX XXXX XXXXXXXX XXXX {$2000.00}. THE FOLLOWING CREDIT INQUIRIES NEED TO BE INVESTIGATED AS WELL : 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 2023-04-30 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:
XXXX XXXX XXXX card states I have two lates XX/XX/XXXX and XX/XX/XXXX. This direct violation of FCRA US code 15 1666 ( b ) timing of payments " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-04-30 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: VA

Complaint narrative:
XXXX XXXX XXXX card states I have two lates XX/XX/XXXX and XX/XX/XXXX. This direct violation of FCRA US code 15 1666 ( b ) timing of payments " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: VA

Complaint narrative:
XXXX XXXX XXXX card states I have two lates XX/XX/XXXX and XX/XX/XXXX. This direct violation of FCRA US code 15 1666 ( b ) timing of payments " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2023-04-30 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: CBC Companies, Inc.
State: OK

Complaint narrative:
A credit dispute letter was sent to Innovis Consumer Assistance, ( XX/XX/2023 ) on my behalf regarding late payments that show on XXXX XXXX XXXX ( ACCT ending in XXXX ) and Freedom Mortgage ( ACCT ending in XXXX ) and the credit reports were not updated. 
XXXX XXXX XXXX has been paid in full and closed. Documentation was sent from XXXX XXXX was sent to provide the inaccuracy of the letter that was mailed. 

A second written request was mailed certified to Innovis ( XX/XX/2023 ) to remove unverified accounts listed above according to the Fair Credit Reporting Act, 15 U.S.C.ss1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ) and according to Fair Credit Reporting Act, 15 U.S.C.ss1681 Section 611 ( a ) ( 7 ).

No response has been given from Innovis Consumer Assistance at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: CA

Complaint narrative:
Upon checking my consumer report i noticed inaccurate accounts and information that does not belong to me, i didnt authorize to any of this information to be reported on my credit recorf, it's affecting my life!

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 2023-04-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
So on XXXX XXXX I was diagnosed with XXXX, it was so severe I had to be in the hospital I explained to my landlord I lost my job due to my illness. 
I had just got this apartment two weeks ago that month, and they are now putting it on my credit report that I owe {$8700.00} dollars. 
When in reality I hadnt moved my stuff in, and I hadnt moved in yet officially because I was ill. 
I need this removed so now that I am recovered I can get a new apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX Capital One reversed all charges from XXXX  XXXX that I had disputed and provided letter from a doctor that my membership be put on hold/canceled due to XXXX. There were 7 transactions of {$36.00} and one of {$49.00} that was reversed. XXXX  XXXX kept charging my card even After I provided letter from doctor that I was high risk XXXX a d couldnt work out. So I disputed my charges and it was still reversed after i provided all necessary information. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I've reached out to this company numerous of times about my federal income that has been taken off my Serve account prepard American Express card. They have denied me multiple times for my dispute. On XX/XX/XXXX my card has been used and had XXXX taken off my card. They keep saying I've authorized these transactions. I'm currently living in a hotel and that money was for my apartment to move into a home with my XXXX  children. It was my FEDERAL INCOME TAX. After my third 3 attempt with my dispute they have closed my account and locked it. Saying I haven't kept up with the agreement that they have with me. I asked for documents to see their evidence I never received a copy. I really feel like it's a inside job. Or because the amount they don't want to give me my funds back. I have police reports, and also the offericer has subpoena them for their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-30 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon checking my credit report i noticed inaccurate accounts and information that do not belong to me, i did not consent to any of this information to be reported on my credit, it's affecting my life, please 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 non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Ria Envia, LLC
State: MD

Complaint narrative:
I signed up with Ria Transfer online on XX/XX/23 and successfully made an international transfer and was able to download the confirmation details. Less than a week later I attempted XXXX more transfers ( to the same and additional recipients ) and XXXXne was successful but delayed by 3 days and two were declined for no reason, including a payment to the recipient who successfully received the first payment. I contacted Ria Customer Service via " chat '' and was told the " Order Verification Department '' had cancelled the transfers. I asked for the reason ( XXXX ) why but the agent was unwilling or unable to tell me. Therefore I had no way of " fixing '' what was wrong. 

Later I received messages from the Ria system saying " All orders are subject to review by our third-party fraud service, and they flagged this order as suspicious. '' These transfers were NOT suspicious. I have used XXXX to pay this same recipient almost 100 times over the past 2+ years. And, the recipient had successfully received a payment via Ria less than a week before. This blacklisting of me and my transferee is unfair and I want to know what I can do to hold Ria accountable for this. 

I am now unable to access my account to print out the details of the successful transfer. I have included attachments with the details. I can understand if Ria doesn't want to do business with me- trust me, the feeling is mutual and I hereby pledge that I and any company I work for will never use Ria or its parent company XXXX XXXX XXXX XXXX. But they need to either allow me to access my account to download the details of the second successful transfer or send it via email. I have called twice and the representative said he was " emailing '' the fraud department and I should have my access restored but it was a lie - nothing has been done. 

Ria 's customer service is beyond pitiful and I hope anyone reading this pauses before using any of their services. It may appear to work but don't count on that continuing and once you have a problem they will leave you high and dry. Thank God for CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: LA

Complaint narrative:
On Friday XX/XX/XXXX I had a total of {$22.00} on my cashapp. The next morning which was Saturday XX/XX/XXXX I woke up to only {$5.00} with no transaction history I have been contacting cashapp for over 24hrs about the problem & they arent replying. That money was for food not for them to take. As you can see in picture I was sent {$51.00} I used only XXXX my card was locked so therefore XXXX declined so nothing could take money out of my account but there is clearly money missing & as stated no transaction history it doesnt even show where it went

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Account was paid for to be settled and DELETED off of mine and my wife 's credit profiles. Account has since only been settled as paid, but not removed from collections. I do have email confirmation of payment and of the company stating they would delete the account pending payment but have yet to remove or delete the account at all. 

XXXX XXXX : XXXXXXXX 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 2023-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2023 I sent a letter to Transunion, XXXX, and XXXX to investigate my inaccurate accounts on my credit report. It has been over 45 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 45 days so they should be deleted immediately. 

I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong persons. 

The evidence will be attached below.

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 2023-04-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2023 I sent a letter to XXXX, XXXX, and Equifax to investigate my inaccurate accounts on my credit report. It has been over 45 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 45 days so they should be deleted immediately.

I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong persons. 

The evidence will be attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX You are in Direct Violation of The Fair Credit Act { capitol one and XXXX XXXX XXXX LOAN } HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602A CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604ASECTION 2 : IT ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRRITTEN CONSENT.

15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE REMOVE THESE LATE PAYMENTS AND UPDATE THESE ACCOUNTS IMMEDIATLEY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Account was paid for to be settled and DELETED off of mine and my wife 's credit profiles. Account has since only been settled as paid, but not removed from collections. I do have email confirmation of payment and of the company stating they would delete the account pending payment but have yet to remove or delete the account at all. 

XXXX XXXX : XXXXXXXX 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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Account was paid for to be settled and DELETED off of mine and my wife 's credit profiles. Account has since only been settled as paid, but not removed from collections. I do have email confirmation of payment and of the company stating they would delete the account pending payment but have yet to remove or delete the account at all. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation