vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 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: CA

Complaint narrative:
Law Firm never answers their phone, lawyer committed fraud by removing XXXX XXXX from the debt owed without the creditors permission nor serving me. 

As XXXX XXXX is also responsible as he was a resident. I have emails where XXXX XXXX ADMITS HE WOULD PAY THE AMOUNT IN FULL. 

LAWYER XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX ( friend of LAWYER XXXX XXXX AND XXXX XXXX removed him from any responsibilities. 

PAYMENT HAS BEEN MADE and HAVE NOT UPDATED CREDIT REPORT FOR MONTHS! INTEREST KEEPS ADDING. 

WHEN TRYING TO REACH THEM. THERE IS NO ANSWER.

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 2022-04-23 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: NM

Complaint narrative:
XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax Made by : XXXX XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax Made by : XXXX Made on : XX/XX/2020 Made with : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: AMCOL Systems, Inc.
State: OK

Complaint narrative:
I have received a letter from amcol system Inc about the amount I owed at XXXX XXXX XXXX XXXX and I do not complaint, I just want to let you know that I already sent a money gram # XXXX for the amount {$50.00} on XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Investigation upon dispute of accounts on my credit report took more than 30 days. My dispute letter was received by Equifax on XXXX XXXX and dispute results show XX/XX/2022 and I didn't receive the dispute results letter from the credit bureau days after that.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. 

See attached for documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/2022 my business excepted a business capital loan from Square. The payment was suppose to be a percentage XXXX XXXX of sales each day. But it turns out that it was percentage of card sales which our business is a small restaurant and if someone uses a card to tip the server they are taking a percentage of the servers tips. That is not our funds it has to be paid to the server at night. I feel that square is using predatory lending tactics for small business. Especially restaurants who are already hurt from the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: MO

Complaint narrative:
In accordance with a Fair credit reporting act XXXX  XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A. Section 2 consumer reporting agency can not furnish my 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 2022-04-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX {$3500.00} Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  {$2500.00} Account # XXXX, XXXX {$2800.00} Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, have 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

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 2022-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: KY

Complaint narrative:
Square Inc. processed 43 transactions for my company, XXXX XXXX, on XX/XX/2022 between the hours of XXXX XXXX totaling the amount of {$670.00}. The transactions occurred at a local craft show in XXXX, Ohio called XXXX XXXX at XXXX XXXX XXXX Their website as a payment processor is www.squareup.com but their parent company name is " Block ''. Square has a long history of collecting credit card transactions for small businesses such as myself. 

On XX/XX/2022, Square informed me that another account existed for my company under the name " XXXX XXXX '' and email " XXXX '' - neither of which is correct for my company which has been in business for 13 years, nor did I receive any kind of verification before it conducted business on my company 's behalf. The name is spelled incorrectly and the email is invalid. When visiting " XXXX XXXX' it is clearly a spam website. Square should not have allowed this account to process any transactions under my business name. 

No further information has been provided from Square, such as many questions I had : When was the fraudulent account opened? How much money was fraudulently spent? What is the address listed on the account? None of these questions have been answered by Square and they have been generally uncooperative. I filed an FTC and Identity Theft complaint online which Square responded was " insufficient ''. My FTC report is available, however it has very little information included due to Square 's reluctance to provide this to me. They have continuously replied with the same copy/paste message as shown in the image below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

US Dept of ED Account # 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

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

US Dept of ED Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: GA

Complaint narrative:
I got an Identity Theft Report done and sent it in to the credit bureaus and they would not remove the information that was incorrect. 

( Derogatory Marks ) XXXX XXXX- Opened XX/XX/2021, for {$580.00} ( Inquiries ) XXXX- XX/XX/2021, and XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I did mobil check deposit on XX/XX/22 and everything was normal how it has always worked the check was pending I received the XXXX until rest of the check cleared, I transfer XXXX dollars on XX/XX/22 to my regular checking account to pay a bill which I did. Later that evening I went to grocery store and my card declined, so I went to see why at the atm and it showed I was XXXX in my account. They pulled the XXXX back from me and slapped me with a negative balance. Following day XX/XX/22 I went to XXXX XXXX california branch to find out why this had happened I was told the fraud department put the hold on my account and that if the funds cleared tomorrow the hold would be lifted.That same night I go to check if there has been any change to my account and I magically have XXXX dollars in my account, so I pay my phone bill go to bed wake up the following morning and Im now XXXX in my checking out so now Im XXXX in the negative between my checking and savings account. So now its XX/XX/22 XXXX oclock at night my car payments due and they still have not lifted the hold even though I was told the check has cleared and was a good check, so Im late on my car payment now which will now have fines for me to pay.

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # 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

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Bank # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX Funding # XXXX has violated my rights. 

XXXX5 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 non-monetary relief
Consumer complaint received 2022-04-23 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: CA

Complaint narrative:
Law Firm never answers their phone, lawyer committed fraud by removing XXXX XXXX from the debt owed without the creditors permission nor serving me. 

As XXXX XXXX is also responsible as he was a resident. I have emails where XXXX XXXX ADMITS HE WOULD PAY THE AMOUNT IN FULL. 

LAWYER XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX ( friend of LAWYER XXXX XXXX AND XXXX XXXX removed him from any responsibilities. 

PAYMENT HAS BEEN MADE and HAVE NOT UPDATED CREDIT REPORT FOR MONTHS! INTEREST KEEPS ADDING. 

WHEN TRYING TO REACH THEM. THERE IS NO ANSWER.

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 2022-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I had an amazing health insurance company, XXXX XXXX XXXX XXXX XXXX for the last 11 years, and got a wrong bill from XXXX XXXX  on XX/XX/2020 for XXXX when I called last year to see where this came from mybinsirance told me XXXX insurance was having this problem with a big amount of people in this country. But now I got a credit collection service letter for a debt collector. They are trying to collect a debt I DONT HAVE. AND I DONT OWE this is not fair at all. 
The account number is XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I sent in my police report and my FTC affidavit to the three credit bureaus XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these Navy Federal credit union Account XXXX. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX again and was accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. I went down to the police station and sent in a police report along with my FTC notarized Affidavit. XXXX also accused me of not getting a police report from the police department that is not ture and insulting. The fraudulent account reporting is as follows Navy Federal credit union Account XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character I appreciate your prompt attention to this matter, and await your reply. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX {$3500.00} Account # XXXX, XXXX XXXX AUTO Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX {$2500.00} Account # XXXX, XXXX {$2800.00} Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: GA

Complaint narrative:
In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX -XXXX XXXX : account XXXX XXXX XXXX XXXX XXXX XXXX : XXXX -XXXX XXXX XXXX : XXXX -XXXX XXXX XXXX : XXXX 15 U.S. Code 1681 section 602 ( a XXXX states that I have to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions,

Company response to consumer: Closed with explanation