vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
So I had a problem with cash app I disputed some charges I didnt recognize nor I did so cash app close my account so I couldnt do anything so I deleted my account but I forgot to withdraw my money I have in there I tried making a new cash app account but couldnt because cash app doesnt let me due to me violating cash app terms. So when I contacted customer support I told them I needed help verifying my identity which they told me theyll contact me email which they havent. I need help withdrawing my money and verifying my identity so I can have my money transferred to my new account..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: VA

Complaint narrative:
The account from Jefferson Capital is over 10 years old. XXXX and other credit companies took it off my account but XXXX is having a hard time doing so when the account is too old to be there. What is the issue and how can it be resolved and removed!? I disputed twice!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: MD

Complaint narrative:
I just got a direct deposit today XXXX XXXX and when I transferred my money on Dave App I cant login nomore they took my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Misleading information with transunion Equifax, XXXX and XXXX XXXX XXXX  credit balance is incorrect utilization rate s incorrect a 5 year medical bill, late payment correction, XXXX XXXX XXXX XXXX payment is adjusted and current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I had filed a complaint against Equifax on XX/XX/2024 identification number XXXX tEquifax responded that they would get back to me in 60 days. This is not acceptable and I Do Not Consent. The relevant law is the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which deals with procedure in case of disputed accuracy. Here is the relevant excerpt : " Section 611 ( a ) ( 1 ) ( A ) If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In other words, if I dispute an item in my credit report, the credit reporting agency must investigate the dispute and either update the status of the disputed item or delete it from your file within 30 days of receiving your dispute notice. If XXXX XXXX fails to comply with the Fair Credit Reporting Act ( FCRA ) and does not respond to my dispute within the 30-day timeframe as required by law, I am entitled to certain damages and penalties. Here are some of the potential fines and penalties that XXXX XXXX may face for non-compliance with the FCRA : 1. Statutory Damages : Under the FCRA, if a credit reporting agency willfully fails to comply with the requirements of the Act, the consumer may be entitled to recover statutory damages ranging from {$100.00} to {$1000.00} per violation. 2. Actual Damages : I may also be entitled to recover any actual damages I suffered as a result of XXXX XXXX XXXX failure to respond to your dispute in a timely manner. 3. Punitive Damages : In cases of willful non-compliance or egregious conduct, a court may award punitive damages to punish XXXX XXXX and deter similar conduct in the future. 4. Attorney 's Fees and Costs : If I have to take legal action against XXXX XXXX for non-compliance with the FCRA, you may also be entitled to recover your attorney 's fees and court costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I applied for PA unemployment for the first time ever after being let go from my employer XX/XX/XXXX. I was issued a Money Network debit card for my unemployment benefits to be issued. I was allowing the funds to build then i would transfer to my bank account and pay my monthly bills. 
On XX/XX/XXXX, I went to transfer funds from the Money Network card to my account and noticed {$1000.00} was missing from my balance. I immediately researched this and noticed my external transfer account was no longer my account with XXXX XXXX and XXXX XXXX, the information on the external transfer page was changed. I looked up the routing number and it was for XXXX XXXX XXXX in XXXX. I have never banked with XXXX XXXX. So, I immediately called Money Network closed the card and filed a dispute. I was told to contact US Treasury, PA unemployment and file a police report with my local police department. I did all of that on XX/XX/XXXX, and since then i have been in communication weekly to try to retrieve my stolen funds. 
My concern is that Money Network indicated that a transfer of funds takes about 2 days to reach your bank and i contacted them within the time frame that they should've been able to stop the transfer but did not. I received a letter from them indicating my dispute was closed and the funds were deposited to me. I then, called them and filed an appeal since the Officer handling my case informed me that this was in fact fraud and i never received the funds, they went to a bank that was not mine. He was also in process of reaching out for the bank records to prove this. I did ask him to fax the police report to the Money Network Card and he did this. 
On XX/XX/XXXX, the officer called me to indicate that he received the bank records and was hoping to make an arrest in Florida.

I hope they do to avoid this from happening to someone else however, he also mentioned that i most likely wouldn't have my money recouped. This is extremely frustrating since i have a financial working background and do not understand why when i followed all the necessary procedures i am being told that i am out {$1000.00}. 
I am hoping that reaching out will help me understand why i will not be reimbursed. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: OK

Complaint narrative:
receivable management is not licensed or bonded in the state of Oklahoma and they are harassing me attempting to collect a debt I do not know of. I've asked for copies of my contract with a wet signature and they have yet to furnish anything. They are stating i owe a debt for {$660.00} with the account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These unauthorized inquiries are reporting on my credit file. Please see the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: VA

Complaint narrative:
I am writing to file a complaint against XXXX, XXXX, and XXXX On XX/XX/XXXX I sent in a Correction to my Credit Report Letter excursing my right per 12 CFR 1006, 15 USC 1692 and sent a request of how I would like it fixed per violations of law 15 U. S. Code 6802-6805. This company is reporting inaccurate information about the consumer ( XXXX XXXX ), reporting unverified information, reporting incomplete/ missing info, etc. The incomplete / missing information on every account number is a violation of the Fair Credit Reporting Act section 609. These debts were charged off meaning it is income for the consumer per 26 U. S. Code 108, Which you can not report income. Transaction history should not be reported per to law 15 us code 1681a ( 2 ) ( i ) -which reads ( 2 ) exclusions ( a ) Credit report should not include ( i ) report contain information solely as to transactions or experiences between the consumer and the person making the report.

These are serious breaches of my Privacy Rights per 16 CFR 313. Additionally, These Debts are not registered to any entity so therefore these debts can not be reported per Privacy act of 1974. All these debts are personal are personal and not commercial, so they dont reserve the right to report to a commercial entity and I demand them to be removed.

The following items that have been attached whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. Per the Privacy Act of 1974 5 USC 552 ( 522 ) FTC Report Identity theft ( you are not supposed to give your SSN to anyone but the government ). These adverse items being reported has nothing to do with any sort of crime or conviction thereof and is not equitable to be reported.

Over the past serval months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Summary of Accounts being challenged in list form : 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 explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud 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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are three accounts appearing on my Experian Credit report that are inaccurate. Alleged accounts belong to XXXX XXXX XXXX stating I owe {$14.00}, XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX I requested the original contracts with these companies, to prove that contracting occurred in accordance with 15 USC 1602 ( g ) ( 2 ). I also disputed through Experian sighting FCRA violations as well as the violations in consumer law. In accordance with 15 USC 1602 ( g ), the consumer is the original creditor, and when there is no evidence of a debt there has to be contract which the consumer grants the creditor permission to report in accordance with 15 USC 1681 ( b ) ( a ) ( 2 ). All alleged creditor - debtor relationship has to have a contract, and all contracts are checks ( UCC 3-104 ( e ) ( f ) ), deposited by the seller. All alleged finance companies are draft purchasers, ( UCC 2-104 ( 2 ) ). I Thank You for your time and attention to this matter, and that honest and accurate reporting follows. 

Thank You, 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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I paid and settled my debt I ask would it be immediately taken off my credit they said yes its been ample enough time and still no deletion. In order for us to have no further problems I would like them to manually delete this from my credit. As they should have not told me. It would be deleted so soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Summary of Accounts being challenged in list form : 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