vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have a utilities bill debt that looks to have been purchased by a company called BULLCITYFINANCIAL. I disputed it via experian and I lost my dispute. 

Basically what happened is my apartment complex swapped from us paying the utilities directly to them paying utilities and us paying them. At the same few months this was happening, I had moved from XXXXXXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. I literally moved to the apartment next door. So for the months BULLCITY is trying to get me to pay for, I was no longer living in the apartment and was already paying my complex directly for those months. My apartment complex should have been covering my old apartment, they're trying to get me to pay for an apartment while I wasn't living in it and since I didn't live there I never received any mail communication, and hadn't thought of this at all when I moved again because I was up to date on all rent. The apartment XXXX who was employed at the time I was living in the complex has moved to another company as well so I can not contact the apartment complex as they've had full staffing turnover. 

I tried to explain this and provide email evidence in the past, but since I didn't expect this I wasn't exactly building a case for paying utiltiies for a place I wasn't living in. XXXX also is missing one of my addresses from the profile, and has an address from a place I've never lived and I'm working to get that information corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. 
Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non- compliance as violation of its provisions. 

XXXX XXXX XXXX and 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 2024-05-24 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/year> I received a debit card from Cash APP. This is the second time in 30 days an account was fraudulently opened in my name. I have never used CASH APP NOR WILL I EVER use their banking services. We spoke to XXXX to have the account closed and once again they refused to do this over the phone, they will only send an email. We provided my email multiple times and still have not received an email to close this account. My credit is frozen, my SSN locked, and I have a security freeze in place with XXXX yet someone is still able to open an account in my name with CASH APP for a second time. Please see complaint XXXX. Cash APP refuses to block my information to be used to open a new account. XXXX also hung up on us at business closing time so now we are unable to resolve this timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: NC

Complaint narrative:
Someone elses Social Security number is on my credit report so it was his phone number is on my credit report and it is my ex-boyfriend from 3 years ago. I can not fix it. Also XXXX and XXXX have been pulling my credit daily. My name and addresses and phone numbers are also incorrect. It also states that my home phone landline number is XXXX XXXX XXXX XXXX aka 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 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During the period of XXXX XXXX XXXX XXXX XXXX, I was the victim of 11 unauthorized ATM withdrawals totaling {$9000.00}. These transactions were recorded in two different cities, including one where I have never been physically present. Unfortunately, my initial claim to rectify this situation was improperly handled and subsequently denied within two days due to an erroneous entry by the claims specialist, who inaccurately stated that my PIN had been compromised along with my card. 

Further complicating the matter, the specialist overlooked two transactions in the original claim. This oversight necessitated the filing of an additional claim specifically for these transactions, which were eventually acknowledged and permanently credited to my account. However, the errors affecting the initial claim were not rectified, leading to unresolved disputes over the larger sum. 

In pursuit of clarity and resolution, I requested detailed information on the investigation process, but the bank failed to provide definitive answers. As part of my efforts to establish my whereabouts during the dates in question, I submitted a comprehensive geo-timeline from XXXX, alongside the case number from my police report. Despite providing this substantial evidence and repeatedly engaging with the bank, there has been no progress, and it has now been over a month since the initial incident. 

The ongoing lack of resolution has resulted in significant financial strain due to accruing late fees and increased debt, exacerbated by what can only be described as inadequate customer service and flawed procedural conduct by the financial institution involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.

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 2024-05-23 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privac

y. 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and XXXX, and I am pleading with you to remove them immediately.

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 2024-05-23 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: CT

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. 
Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non- compliance as violation of its provisions. 

XXXX XXXX XXXX and 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 2024-05-23 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:
These accounts are fraudulent and do not belong to me. Please delete them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-23 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: GA

Complaint narrative:
These accounts are fraudulent and do not belong to me. Please delete them from my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, My XXXX  XXXX credit was was stolen from me, and when my card was stolen they used my XXXX  XXXX card for purchases which got approved. Due to those fraudulent purchases my XXXX XXXX card went 30 days late. I right away called XXXX  XXXX when I noticed these and disputed those fraud transaction and they verified due to the fraudulent transaction they will remove the 30 day late they reported to XXXX XXXX and transunion. Which they did remove. I have attached my XX/XX/XXXX credit report which you will see XXXX  XXXX removed the 30 day late they reported in XX/XX/XXXX and is showing the account as current for that month. After 3 months passed XXXX  XXXX reported the 30 day late back which I was in complete shock because that issue was resolved. I called them and they don't see the problem and I am having a hard time explaining the situation to them because everytime it is a new employee and they don't know what to do. I need this 30 day late removed from XXXX XXXX and Transunion reports because it is inaccurate and was due to fraud charges, and it is affecting my life. Below I have also attached my XX/XX/XXXX credit report which you will see the late is back and reporting on my credit. Please help me resolve this issue like it was originally. Thank you

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 2024-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
There is a collection agency trying to collect from me for something I do not owe. They sent me a letter on XXXX of XXXX. They are called FCO. They say that I owe money to The Reserve at XXXX XXXX XXXX XXXX because supposedly I didn't give them a 30 day notice. I did give them a 30 day notice in writing on XX/XX/XXXX and said I was going to move out on XX/XX/XXXX. 

I did notify them later that I was going to move out a bit early on XX/XX/XXXX of XXXX but that does not mean I didn't give them sufficient notice and that does not mean they can charge me rent for XXXX of XXXX a 30 day notice in XXXX means I am covered as long as I move out by the end of XXXX. Later I try disputing this account with FCO but they say I owe it still. I asked them for proof of why I owe money and they sent me a packet with lots of paperwork. 

I then study this paperwork and find many mistakes or bogus charges. First they send me pictures that are black and white and very grainy. Also both sets of pictures are before pictures. What are they trying to show me with grainy black and white before pictures? Next I notice they didn't even get any signatures for the walkthrough and they don't even write anything on the form. How can they try to accuse me of anything if they don't write anything in the walkthrough form? They claim to have an online form, but if they do that is written or typed up when I am not present and can't be legal as they can write whatever they want and im not present to agree or disagree with what they are writing. 

They then try to charge me rent for insufficient notice on XX/XX/XXXX of XXXX the day I move out. They then try and charge me lots of things up until XX/XX/XXXX of XXXX. Like I said earlier, I gave them a move out notice in XX/XX/XXXX. Why are they trying to charge me for XXXX? I try to dispute this for several months and everytime the collection agency does not care. They keep the account on my credit report and are damaging my credit. I then call FCO on XX/XX/XXXX and I ask them to stop collecting this account as I gave the apartments sufficient notice. FCO asked me to send them proof by fax. They said fax to XXXX. I did so twice just to make sure they received it. Now it is XX/XX/XXXX and I still see it on my credit report and they have not responded to me. What do I need to do to get them to stop? They are trying to cheat me and they don't care. Please stop them from collecting this bogus debt.

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 2024-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Federal Regulations Require the following : " A bank must make the first {$220.00} from the deposit availablefor either cash withdrawal or check writing purposesat the start of the next business day after the banking day that the deposit is made. The rest of the deposit should generally be available on the second business day. '' Per Federal Reserve Regulations. 

MARCUS by Goldman Sach 's has declared itself exempt from this policy. I am being told by their agent and by the website that I must wait ten days for the funds to become available. The bank 's policy of hold funds that have been deposited is contrary to US and XXXX banking Regulations. Goldman Sach 's continues to violate XXXX regulations as well by having this policy in place. 

There is no good reason for Marcus to be doing as as the funds are not listed as a certificate of deposit, however this policy puts into place of acting as a saving account, when it fact it is a certificate of deposit with a maturity date of ten days, which is also in violation of banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

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