vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am XXXX and hold superior title and ownership over the principal ( XXXX XXXX XXXX ). I rebuke and reject XXXX  XXXX XXXX XXXX false presumption through a promissory note claiming my superior title and ownership over the principal ( XXXX XXXX XXXX ). I command XXXX XXXX XXXX XXXX with the account number XXXX to remove their debt immediately from my credit profile. The attached photo identification is evidence I hold superior title and ownership over the principal ( XXXX XXXX XXXX ) and that XXXX XXXX XXXX XXXX has no standing at law against my superior title and ownership over the principal ( 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 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a text on my cell phone claiming to be from Ally confirming a potential fraudulent charge on my account. I logged into the web banking, saw the pending charge, so responded " no '' the text. I immediately received a call from " Ally Bank '' and they asked my security questions and verified the charges that were on the account. After confirming the couple charges were fraudulent, the person on the other line said they would send out a new card. After a few days of not receiving the card, I got a call to verify a code on my phone. I got suspicious and hung up. I checked online and my mailing address had been changed and the new card had been sent to the incorrect address. I called into Ally, got everything straightened out, and got a new card sent again. It arrived on XX/XX/XXXX. I activated the card successfully and I tried to use it and it didn't work. Called back in and they said the account was locked again. At this point I was getting multiple calls from different numbers, not knowing who was legit. I finally just called in and requested the account to be closed. I was assured it would be done. It is now XX/XX/XXXX with no movement. I call in and no one will tell me anything. They will not give me a timeline of when the account will be closed and when I will be sent my money. They will not let me speak to any supervisors.

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 2023-09-05 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: IL

Complaint narrative:
Hey Im trying to dispute this because I already contacted the credit bureaus and they stated they cant remove it because it was verified. However I need this removed because of this law 15 U.S. Code 1681b. Did not have my consent to post on credit file! 

as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

They dont have in writing that I initiated a credit transaction for these accounts to be posted at all. 

As the law states 15 U.S. Code 1681b. In accordance with the written instructions of the consumer to whom it relates.

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 2023-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Redfin Corporation
State: HI

Complaint narrative:
In selling my property XXXX XXXX XXXX XXXX, Hawaii XXXX. The seller had to pay both agents commissions which were set at 2 % commission. The time that it went into the escrow account. I noticed that their commission was taken off from the top which was not the actual correct price that the seller was getting because they added the credit back to the buyer of XXXX. I went over this with the seller 's agent and they made an amendment but when it came to the buyer 's agent their answer was no. Who I am disputing. XXXX XXXXXXXX XXXX XXXX XXXXXXXX at XXXX ( XXXX ). XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Hawaii XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I received a bill from XXXX XXXX XXXX XXXX XXXX collections. On this bill 2 separate amounts owed were listed. Date of bill was from XX/XX/XXXX statement date was XX/XX/XXXX. The 1st amount was {$79.00} on page 1 of bill. On page 2 the amount due was {$100.00}. I contacted XXXX to clarify amounts along with obtaining further information regarding the interest fees on XXXX at XXXX. I was then given another amount due, I inquired why a 3rd change in the amount owed. And if they were able to clarify their interest charges. I was not given much information by the representative and transferred to their Supervisor XXXX. I left a voicemail and have not received a call back. This information has me uneasy as I believe they are being deceptive in the collecting the incorrect amounts owed and can fraudulently keep an individual owing them money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated federally protected rights to privacy and confidentiality under U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal information i have never live at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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.

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 2023-09-05 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.

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 2023-09-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hey Im trying to dispute this because I already contacted the credit bureaus and they stated they cant remove it because it was verified. However I need this removed because of this law 15 U.S. Code 1681b. Did not have my consent to post on credit file! 

as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

They dont have in writing that I initiated a credit transaction for these accounts to be posted at all. 

As the law states 15 U.S. Code 1681b. In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: IL

Complaint narrative:
Hey Im trying to dispute this because I already contacted the credit bureaus and they stated they cant remove it because it was verified. However I need this removed because of this law 15 U.S. Code 1681b. Did not have my consent to post on credit file! 

as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

They dont have in writing that I initiated a credit transaction for these accounts to be posted at all. 

As the law states 15 U.S. Code 1681b. In accordance with the written instructions of the consumer to whom it relates.

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 2023-09-05 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: CA

Complaint narrative:
I found inquiries on my report that are not mine

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunlight Financial LLC
State: IN

Complaint narrative:
I was sold a solar system for my home under fraudulent sales tactics and false production. I notified the lender since the company had gone bankrupt and told them I was using my rights under the FTC Holder rule to withhold payment and requested them refund me my payment i have made. they refunded me 1 payment. I hired an attorney to handle this case and also included my state attorney general. My attorney sent the lender a letter back in XXXX of this year and we never heard a response back from the lender. The lender has put me as being late on all my payments and has dropped my credit score from the 700s to the 500s for using my rights by the Federal Trade Commission to withhold payment. they still continue to report to the credit dept that i am late on my payments. i have sent letters to all the credit company 's and included the letter from my attorney. they responded by all information is correct. To this date we have yet to hear from the Lender, and feel they are continuing to operate under fraudulent tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX is reporting a hard inquiry from XXXX XXXX from XX/XX/XXXX that was removed XX/XX/XXXX but their re showing it in XXXX even though it was removed in XXXX by XXXX XXXXXXXX and reported to XXXX and also removed by XXXX and also credit karma. But now both parties are showing it which is against the fair credit reporting act This hard inquiry didnt show all XXXX and even at the end of XXXX! U cant dig up old hard inquiry that have been removed and reapply them I will ask that the cfpb note my complaints on XXXX XXXX, XXXX XXXX, and credit karma as reference and proof!

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX is reporting a hard inquiry from XXXX XXXX from XX/XX/XXXX that was removed XX/XX/XXXX but their re showing it in XXXX even though it was removed in XXXX by XXXX XXXX and reported to XXXX and also removed by XXXX and also XXXX XXXX. But now both parties are showing it which is against the fair credit reporting act This hard inquiry didnt show all XXXX and even at the end of XXXX! U cant dig up old hard inquiry that have been removed and reapply them I will ask that the cfpb note my complaints on XXXX XXXX, XXXX XXXX, and XXXX XXXX  as reference and proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc.
State: NC

Complaint narrative:
KIckoff account on my credit that I did not give permission to furnish on my credit report. 15 usc 1681 a2 of customer laws states " I HAVE TO GET WRITTEN TO HAVE THE ACCOUNT FURISHED ON MY REPORT. which I did not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
Square ( now called Block ) has devactivated my account and held onto funds since XX/XX/2022. They will not release my funds. I have been 'escalated ' at least four times to solve the problem, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On the XXXX XXXX XXXX XXXX # XXXX account that you FINALLY got the dates correct on, took forever, you removed the expiration date for when the account will fall off my credit. Why was this date removed????? Please put the expiration date back on the report so I know when the account is scheduled to fall off!

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 2023-09-05 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: Self Financial Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and i have paid off 2 seperate self credit builder loans and now i have a 3rd one that was opened at the same time as the second one that i paid off and its reporting to my credit report as delinquent as 80 days and bringing my credit score down. I called in XXXX to get it corrected and they told me wait 30 days, so i did and now its reported again as delinquent on my account. I called twice toda on XX/XX/2023 to try to resolve the issue and was told that the deliquent account isnt even attatched to my social security number and has a whole differnet social security number, meaning you guys have reported someone elses deliquent account on my credit report and have violated my consumer privacy laws. This will be one of the last times reaching out before i reach out to my attorney again my name is XXXX XXXX, i currently have a secured self credit card open with you guys too the FRAUDULENT acoount you guys reported to the credit agencies XXXX XXXX CAN YOU PLEASE RESOLVE THIS AS SOON AS POSSIBLE? 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Gave the Cras reporting this information the amount of time needed to provide me validation of the alleged debts and verify these accounts that are on my consumer report but the demand has yet to be met

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
I am not liable for the debt associated with XXXXXXXX XXXX XXXX  Texas. I do not have a contract with XXXX XXXX XXXX XXXX, and they have not provided me with the original contract as requested. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over the principal ( XXXX XXXX XXXX ). I rebuke and reject XXXX XXXX XXXX false presumption through a promissory note claiming my superior title and ownership over the principal ( XXXX XXXX XXXX ). I command XXXX XXXX XXXX with the account number XXXX to remove their debt immediately from my credit profile. The attached photo identification is evidence I hold superior title and ownership over the principal ( XXXX XXXX XXXX ) and that XXXX XXXX XXXX has no standing at law against my superior title and ownership over the principal ( 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 2023-09-05 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: MA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.

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