vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
Upon reviewing my Consumer Reports, I discover some instance of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is Imperative that this information be reported with at most accuracy. I have never missed a payment on the following account. ( XXXX XXXXACCOUNT NUMBER XXXX. I request a thorough investigation into these discrepancies. THIS IS AFFECTING MY LIFE. I cant move on with my life with this late payments in month of XXXX AND XXXX THAT SHOWS IN MY CREDIT.I DEMAND THAT THESE PAYMENTS BE PROMPTLY UPDATE TO REFLECT THEIR TRUE STATUS AS ON-TIME, AS I HAVE CONSISTENTLY UPHELD MY PAYMENT OBLIGATIONS WITHOUT DELAY. THANK YOU FOR YOUR WORK HELPING ME GET THIS RESOLVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: Kriya Capital, LLC
State: TX

Complaint narrative:
This account is in litigation I have not been supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
This account is in litigation I have not been supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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:
To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide the names and business addresses of everyone you checked the information with so I may follow up. 
The date on which you contacted each information source. 
the method of communication used to verify the information. 
I also want to know if the furnisher provided you with my SSN, address, or date of birth. 

Once you have completed your investigation and made the necessary corrections, kindly provide me an updated credit report. 

Thank you for your time and help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( 06 ).

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 2024-11-04 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: MA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-11-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-11-04 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: OneMain Finance Corporation
State: WI

Complaint narrative:
I am not familiar with this account. I originally called XXXX XXXX and they informed me that they had not sent any accounts to collections. I then filed multiple disputes with XXXX. The results reported that the account was verified. I then contacted XXXX XXXX XXXX and they informed me that there was no account there matching my social security number. They said I needed to reach back out to XXXX to confirm the information being reported. When I spoke with XXXX, they concluded it was an account from XXXX, however, they do not offer XXXX in the region that I live. So, I believe this account was opened fraudulently under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
FOR THE COMPANY TO DO WHAT IS FAIR TO ME AS THE CONSUMER AND REMOVE THE INACCURATE AND UNVERIFIABLE INFORMATION FROM MY 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 2024-11-04 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts and inquiries listed on my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file. 
The specific accounts and inquiries that need to be blocked and deleted are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TN

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
End of Day Balance {$33000.00} I had {$33000.00} in my chase checking account and I tried to wire some money, I don't remember how much probably like $ XXXX. My bank was closed and it's been 2 months now. I try calling them and they tell me to wait a week. I've been calling them every week for the past month now and they just say the same thing over and over. I went in real life and they told me the exact same thing I heard on the phone. No explanation or timeframe of when they'll release my money. I got a check in the mail from chase, and it was a check for {$5.00} .... I'm scared I'll never get my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Kikoff Inc.
State: TX

Complaint narrative:
XXXX which was the supervisor wouldnt help me with filing my claim as he indicated it is over 60 days old. It must be noted that Mastercard whom Kikoff uses indicates that users have 120 days to file such claims. Unfortunately Kikoff has created their own rules and are subjecting consumers to unethical business practices. Nonetheless allowing fraudulent transactions to go through instead of shielding consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
This company AXCSSFN/CNGO has made 12 Derogatory marks on my credit. No Documentation was provided to me about this account. I would like to have these 12 charge offs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hello, A while back, there was fraudulent activity on my bank account held by citizens bank. A check was supposedly cashed from my account in the amount of {$1200.00}. 

First off, I have never had checks for this account. 

Second, the bank says they denied my claim because the teller stated the person who cashed the check was an authorized user on the account and that the person matched video footage from a previous date. However, one of those dates I was in class at XXXX XXXX XXXX XXXX. Over 2 hours away from the branch in XXXXXXXX XXXX XXXX. The other date, I was working XXXX XXXX XXXX in XXXXXXXX XXXX. 

I have provided the bank with a police report and was told the claim would be reopened. After not hearing anything for a very long time, I called back. I was told that besides the police report I need addition proof that the person who stole from me is not me, before the bank would reopen the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I reached out to the CFPB for further assistance with the Cash App Claim, considering that Cash is refusing to refund my money for fraudulent charges. 

XXXX XXXX I sent this : Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance with an unresolved issue regarding a fraudulent transaction on my Cash App account. Despite repeated attempts to address this with Cash App, I have not received an adequate investigation or resolution. On XX/XX/year>, a fraudulent charge of {$350.00} was made to my account to XXXX XXXX, which I did not authorize nor initiate. I immediately reported the issue to Cash App 's customer support team, expecting a thorough investigation to be conducted. However, despite providing all necessary documentation and details, Cash App has failed to take appropriate action to investigate this transaction and has not refunded the funds. The lack of response and attention to this matter has left me frustrated and concerned about my account 's security and financial information. As a consumer, I rely on digital payment platforms like Cash App to safeguard my financial transactions, and their inability to provide proper support and resolution is unacceptable. The amount was deducted from my case app balance, not my checking account and I can not be disputed it through my banking institution. I am requesting that the CFPB take appropriate action to investigate this case and ensure that Cash App conducts a full and fair review of the fraudulent transaction, resulting in the prompt return of my {$350.00}. I have attached copies of all relevant documentation, including the transaction details, my communications with Cash App, and any other supporting materials. I trust that the CFPB will help resolve this matter promptly. Thank you for your attention to this urgent issue. 
I look forward to your response. 
Sincerely, XXXX XXXX On XX/XX/year>, I received the attached email and on XX/XX/year>, I received a letter from CFPB Cash App is failing to return my money, and now they are saying I reached out to them, which is very untrue and inaccurate. 

What actions must I take to get my money from Cash App? They also failed to provide the requested information on how they determined it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
Third Attempt!!! 
CFPB : Complaint XXXX Date XXXX CFPB : Complaint : XXXX Date XXXX On XXXX transunion emailed me the results of the investigation of dispute submitted on the complaints above. With the outcome of the accounts disputed VERIFIED AS ACCURATE. 
XXXXXXXX XXXX  XXXX # XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Balance {$990.00}. 
I asked Transunion to Provide the Method of verification and I haven't received proof of how the method was conducted.

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 2024-11-04 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: CBC Companies, Inc.
State: GA

Complaint narrative:
XXXX XXXX is reporting a bankruptcy on my credit report and they have put in this data furnisher as the US Bankruptcy Court of XXXX  which is false I have attach a letter from the US Bankruptcy Court of XXXX  verify and stating that they do not furnish information over to the credit bureau or any other credit monitoring services nor do they verify or validate any information concerning bankruptcy. XXXX is falsely stating this information on my credit report and has yet to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: AR

Complaint narrative:
RECENTLY LOOKING AT MY CREDIT REPORT I NOTICED. FRAUD ACCOUNT LISTED ON MY CREDIT FILE.

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 2024-11-04 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: AR

Complaint narrative:
RECENTLY LOOKING AT MY CREDIT REPORT I NOTICED. FRAUD ACCOUNT LISTED ON MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: IL

Complaint narrative:
DUE TO TRAFFICKING, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

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 2024-11-04 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:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM CLEARLY A VICTIM OF FRAUDULENT INFORMATION, AS THESE ACCOUNTS ARE NOT MINE AND MUST BE TAKEN OFF FROM MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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