vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: NY

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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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
Consumer complaint received 2023-11-30 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: NY

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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
The website XXXX XXXX XXXXearlywarningXXXX has some sort of warning on my account i was told by XXXX XXXX XXXX XXXX I am trying to sign up and request a copy of my data and the site does not allow you to even try to sign up. 

I've tried multiple devices, locations and keep getting the same error. Why have a site and service such as this if it is impossible to get pass registration? 

This is the error. There is no way my information is invalid, it only ask for your email. 
Invalid registration info, invalid reCAPTCHA response, or not allowed to register from this location.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: CT

Complaint narrative:
I use company name Taptap to transfer money to XXXX since XX/XX/2023. I called to conceal the transaction because I mistakenly place the wrong figure which they told me is already late. After somedays the receipt called to informed me that the part of the money just disappeared from her account. I contacted taptap and the receipt bank immediately and I was told that the money is withheld. The only solution is for taptap to call their correspondence in XXXX to releases back the money to recipient account. Taptap have fail to meet up with these obligations, I have called them million times but to no avail. Pls I need your help to retrieve my money back. Thank you. Yours faithfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to the FCRA, it is Equifax job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with Equifax is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true.

I had asked Equifax two months ago for the following they could NOT provide : How did you investigate this account?

Who did you speak with?

What date and time was this investigation Equifax could not provide any information.

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to the FCRA, it is Experian job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with Experian is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true.

I had asked Experian two months ago for the following they could NOT provide : How did you investigate this account?

Who did you speak with?

What date and time was this investigation Experian could not provide any information.

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.

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 2023-11-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the Equifax data breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, Equifax, XXXX didnt make sure it was reporting 100 % correct. 

I reached out to them, and nothing was done. In accordance with Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a concerning issue I have encountered after filing a complaint. Following my complaint submission, I am unable to access my credit reports using the same information I have used previously. Transunion the most but now XXXX. I also can not dispute name that is on my credit report with transunion that is not correct at all. These are not my names and never was spelled they way they have them spelled. 

Moreover, I suspect that the involved companies might be employing phishing tactics to obtain information to place on credit reports. 

I kindly request your prompt assistance in investigating and resolving this matter. I believe the issue poses a significant threat to the security, right to privacy of my information, and I am eager to ensure a swift resolution. 

Thank you for your attention to this matter, and I appreciate your ongoing efforts to protect consumers.

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 2023-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I had contacted the debt collection company to find out why there was a collection against me as the product was paid for at the time of service. They were less than helpful and said that they would not accept proof of payment in the form of bank statements but would be happy to discuss a repayment plan. How else other than a bank statement am I supposed to prove that I paid for something?

They then told me to contact the original company and send them the bank statements, and when I did it took them 2 weeks to get back to me. When I finally spoke to someone they had no idea what the debt collection agency was talking about and they couldn't accept the statements. I've been sent in circles with no resolution for something that I've already paid and is ruining my credit.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I looked at my Credit Profile recently and saw that I had duplicate accounts being reported that are damaging my score. As a Consumer I have the right to a credit report that is 100 % accurate. On my Experian credit report, I see that Portfolio has reported account XXXX twice. I am hereby requesting that Experian please remove one of these account as they are inaccurate and should not be on my credit report. I understand that Experian oversees several accounts and mistakes can happen. However, I would like them to please remove this duplicate account 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 explanation
Consumer complaint received 2023-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
OK I noticed at around XX/XX/XXXX. I was having problems with my cash app so my cash app was connected to my XXXX account so around about XX/XX/XXXX is the date that everything got missing so XX/XX/XXXX which was a Sunday I woke up to find out only had XXXX XXXX in my account Made me go check on my bank account and I seen a bunch of cash app withdrawals and I never ever send that kind of money through cash app. It was a bunch of {$500.00} {$300.00} {$100.00} {$200.00} {$600.00} and I never did that so I could not get anyone on the phone at the bank Because it was a holiday weekend so I had to wait till that Tuesday so Tuesday came and finally got somebody on the phone and that point they didnt seem like they was really trying to help me retrieve my money but as I stated to them which it read on their website that my account is protected by XXXX XXXX or XXXX insurance so as soon as I mention that I get an email stating that they have closed my account and I would not be able to reopen it. I let them know that there is scammers at her call doing a thing called cash app XXXX XXXX glitch Which is where theyre getting your XXXX XXXX or cash app information and they steal your money to a dummy account or send it to somebody elses cash app I dont really know I sent them proof from someone else who got {$39000.00} took from them same night and I just keep getting reports back stating they no error. Of course youre not gon na see an error, when they are cloning, my account on my card is going to appear like its me I reached out to cash app cash app has not responded only with the investigation, but would not wit the resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WI

Complaint narrative:
For the past week it has been nearly impossible to access the account to check balances, make payments, monitor interest, etc. The login page loads almost immediately, but when trying to go any further the page either does not load or it kicks back to the login page. This is not due to incorrect account information, it is the system itself that will not load. The only thing I've found successful is to try at multiple times through the day, and OCCASIONALLY I can make it through after about 20-30 attempts. This is ridiculous, especially from the " Official Service Provider for Federal Aid ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am trying to obtain a mortgage for a house, and for some reason there is a glitch when it comes to TransUnion and the XXXX scoring system. Even though Trans Union sometimes has less things than other bureaus my XXXX score for mortgage loan is hundreds of points lower and on a tri merged mortgage report its not showing any of my current accounts that are in good standing which I think is affecting it. Im not sure if this is a glitch on Trans Union side or with XXXX but it is hurting me and causing harm to my credit file and I have been working hard to fix my credit so I can live the dream and buy my family a home. I need your help to make this happen. Its only transunion that seems to be the issue. Thanks

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
This is regarding my Citi Best Buy credit card. They had promotion which I took advantage of. Promotion was for purchases over {$500.00}. You can payoff the same in 6 months without incurring any interest essentially deferred interest. 

I have Promotion which expires on XX/XX/2023. In my XXXX billing cycle I had some other purchases in the billing cycle which didn't qualify for the promotion and I have revolving balance. When I made payment for my XXXX billing cycle. I was expecting my payment to be applied to my revolving balance first so I am not incurring fees or interest but instead the bank applied to Promotional balance and I will now incur the interest on revolving balance although I have 28 days to still payoff my promotional balance. 

Bank had done this last year to me and that time they had way to correct the situation. But this time agent and their supervisor told me their system has changed in XXXX and they are no longer able to reapply payments as per my request. 

As it stands today no one can tell me how to correct the situation. I asked bank to file complaint and they put compliant but there is no outcome expectation as they said there may be follow-up from bank if they need anything from me otherwise they will review.. As a customer this completely misleading. If promotion is for 6 months and there is date published online, bank should not have applied my payment this way. Additionally, if they want it to behave this way then end promotion on the billing cycle. This completely misleading.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
First of all thank you for taking the time to review my case. I will very grateful for your help. Chase sent me a letter saying to close my credit card because I closed an account in the past. I have only used this card for two months. I have used it correctly and have not missed any payments or anything like that. This will seriously affect my credit score, for no other reason. I have tried to speak to customer service and they will not give me any explanation. I don't understand why they would give me a card only to take it away in two months knowing that this will cause irreparable damage to my credit score for 7 years. I have worked hard to improve my credit score and one system decision is about to destroy everything. According to the customer service agents at Chase it was the bank 's system that made the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi spitefully and ignorantly sent years of credit card statements via unsecured email, when my request was clearly for a very short list of the specific merchants within the app profile in question and clearly noted [ XXXX, XXXX, XXXX ]. I dont work for Citi XXXX Its not my app. And, not my rules. Its not my job to prove a negative here.it is the obligation of the Executive Team at Citi they seem determined to avoid. Citi must prove the XXXX XXXX as intended by providing the dates of charges for the merchants previously provided and found in the Citi app. Now its up to you CFPB to get what I asked for. Its very simple. Thus, since youve repeatedly closed my previous complaints IN ERROR, Ill simply reopen yet another. Thank you.

PS : I do expect the CFPB will take steps to shield and protect years of credit card statements that the idiots of the Citi Executive Team chose to unnecessarily disclose to delay the inevitable realization that the XXXX is deeply flawed and fails to work in practice as intended.

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 2023-11-30 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: GA

Complaint narrative:
I looked at my Credit Profile recently and saw that I had duplicate accounts being reported that are damaging my score. As a Consumer I have the right to a credit report that is 100 % accurate. On my Equifax credit report, I see that XXXX has reported account XXXX  twice. I am hereby requesting that XXXX please remove one of these account as they are inaccurate and should not be on my credit report. I understand that Equifax oversees several accounts and mistakes can happen. However, I would like them to please remove this duplicate account from my credit report.

Company response to consumer: Closed with explanation