vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The XXXX XXXX  stole money from my account for 6 months without my consent. How clear is that?

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 2024-04-14 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-14 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: KS

Complaint narrative:
Over the last two days I've had two large payments taken from my account. Each for {$150.00} totaling to {$300.00}. I tried contacting cash app support with no luck and did two disputes and they refused them. Says they found no error. But I see a huge error. My XXXX dollars being stolen is a pretty big error to me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. Please remove these accounts from my report, they're hurting my ability to obtain access to my credit. There are companies reflecting on my credit report that stole my identity. Identity theft is the fraudulent acquisition and use of a person 's private identifying information, usually for financial gain. These companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT licensed in the STATE OF TENNESSEE TO COLLECT ANY DEBT. The Debt collectors are Illegally attempting to collect a debt. The debt collector has already BOUGHT the DEBT, and is attempting to collect on a debt that is considered income and most likely taxable. I'm requesting Experian, XXXX, and XXXX to remove these fraudulent accounts from my credit report. considering the fact that I received NO correspondence from the debt XXXX letting me know they will report to my credit report which is a violation of my rights as a consumer under the FCRA. I HAVE NO CONTRACT WITH THESE COMPANIES! I'm not talking about the ORGINIAL CREDITOR. Once the debt is bought the original creditor is taken out of the equation. No proper validation of debt has been provided. 



Providing me with the contract that I have with the debt XXXX. IF this item is unable to be provided in a timely matter I request that Experian, XXXX, XXXX removes the fraudulent accounts from my credit report. {$1000.00} per violation, I would like a check mailed to me at the address Experian, XXXX, and XXXX has on file In the event that Experian, XXXX, XXXX fails to remove these fraudulent accounts and sends me a check for the violations. I will be forced to file a lawsuit against Experian for violating my rights as a consumer under the 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 2024-04-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I received gift card for {$100.00} and it was in my possession a little over 2 years. I tried to use it at XXXX and it was declined. I called the company and was told that a charge was made in XXXX  California, I reside in NY. As this was a gift card, only the issuing company would have had access to its information and it aging unused status and thats why Im filing this complaint. Additionally the store clerk said has seen this numerous times with this particular company. Company info : Vanilla by e2interactive InComm. They also operate as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX ( ... XXXX ) has improperly reported a debt to a credit reporting company without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX negligence on this account has caused a negative credit bureau report. 
I paid a total of {$2700.00} through XX/XX/2022 through a XXXX XXXX XXXX program which my wife XXXX set up for us. All was going well. Then without our knowledge, XXXX XXXX withdrew from receiving monthly payments. For 2 years afterwards, XXXX XXXX never sent us any kind of communication for additional balance after they refused monthly payments leading me to believe the account was paid off. 
We didnt find out about a remaining balance until my credit reports were recently pulled when I applied for a loan. 
I have contacted XXXX XXXX about this but was told the account does not exist and the second time I contacted them, they had no explanation as to why I wasnt informed that they were no longer accepting payments and why they never me statements for previous balance or the remaining balance. 
I should not be penalized for their negligence, gross lack of communication which denied me the chance to at least be aware of the outstanding balance after they stopped taking my monthly payments. The account is over 7 years old, I am requesting it be removed my XXXX & Equifax reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: CA

Complaint narrative:
I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions that I have made or authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: CA

Complaint narrative:
I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions that I have made or authorized.

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 2024-04-14 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: FL

Complaint narrative:
Equifax, XXXX and XXXX are in violation of FCRA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc.
State: NH

Complaint narrative:
I have an account with MoneyLion and pay {$9.00} membership fee per month for a MoneyLion WOW membership. One of the benefits is being able to get a XXXX XXXX plus loan. I have paid off XXXX, all earlier than final payment date, the most recent being in XX/XX/2023. 
Most recently, whenever I try to apply for a new XXXX XXXX loan on the MoneyLion app, they keep denying me. I don't even get a chance to fill out an application. As soon as I click on " Get My Loan '', I receive an automated email informing me that due to poor performance with MoneyLion, I'm not eligible. 
When I call, no one can provide info and I'm told it's being referred to their dedicated team and they will be in touch. They never get in touch and the issue never gets resolved. Their answe is always, " I know this isn't the resolution you were expecting, but I hope we were able to address your issues ''. 
Their is no reason why I shouldn't be eligible and because of their actions, my credit score keeps dropping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just looked at my consumer credit report from Transunion XXXXXXXX XXXX XXXX  I saw hard inquiries on my credit report that do not have permissible purpose. I have attached evidence. 
List of inquiries : XXXX XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXXXXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I live in Michigan, looking to relocate to XXXX. I have made purchases and hotel booking payments for the last XXXX weeks. When prompted to verify charges via text I accept, acknowledge and verify I made the purchases. They have now decided to freeze my account AFTER I authorized said charges. Now I have no access to my account to get paid, I am unable to pay for my housing which is weekly, food nor transportation. I may become homeless if this problem isnt fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Due to a problem with my checking account I made a late payment on my credit card. The payment was due XX/XX/2024 and my payment wasn't made until XX/XX/2024. I was charged a {$40.00} late fee on XX/XX/XXXX. When I called Capital One 's customer service to complain about the amount of the late fee and mentioned the new law limiting the amount of late fees, the customer service rep told me they had never heard of the law. I asked to speak to a manager and the manager told me the law was not in effect yet. I have searched on my own and can't find a clear date when it takes effect. I am seeking clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
As an active credit user, I currently have several accounts on my credit report, most of which are positive. However, XXXX are negatives. Overall, I have a total of XXXX accounts that are active and XXXX are in good standing while XXXX are not. I make all payments on time and as of the third of this month, the information offered was still accurate. The problem is my credit score and despite the outweighs of positive accounts vs negative accounts, plus an account history that dates back to XXXX years, my credit score is relatively low. My current credit score as reported on XXXX XXXX is XXXX for Transunion and XXXX for XXXX while XXXX is reported as XXXX on XXXX credit journey. In my perception a score that fails to display my actual credit standing and one that robs me of lower interest rates or better credit deals. Ideally, a process that forces me to accept prime credit cards and high-interest rates despite my excellent credit 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
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had an account open with Citi for less than 6 months before having it closed mid-travel due to " credit abuse. '' The cited credit abuse is simply a couple of payments getting returned due to timing issues with my payment bank - I had payments set to be paid on a certain day, and Citi was requesting them earlier in the day than my bank was transferring them. This is a lesson to be learned, but I had no warning my account would be closed until I was abroad relying on this card only to have it fully shut off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX  has reported account as delinquent. 
But at the same time reports payments made and all showing ontime. 
All payments have been made within the time frame so as not to be delinquent. 
Due to the delinquent status it is preventing me from closing on a home this coming week. 
Weve disputed with the bureaus and XXXX which state it will be reviewed within 30 days. 
We requested an expedited review due to the current situation and were denied and told 30 days. 
The information reported to the credit bureaus by XXXX shows payments as all current and on time. But has flagged the account as XXXX daysdelinquent. Not more than XXXX payments past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX  has reported account as delinquent. 
But at the same time reports payments made and all showing ontime. 
All payments have been made within the time frame so as not to be delinquent. 
Due to the delinquent status it is preventing me from closing on a home this coming week. 
Weve disputed with the bureaus and XXXX which state it will be reviewed within 30 days. 
We requested an expedited review due to the current situation and were denied and told 30 days. 
The information reported to the credit bureaus by XXXX shows payments as all current and on time. But has flagged the account as XXXX daysdelinquent. Not more than XXXX payments past due.

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 2024-04-14 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 Accounts Listed Below have violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX- Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, and XXXX  XXXX Acct # XXXX, have violated my rights. 

15 U.S.C. 1681 Section 602A. Clearly states, " [ I ] have the right to privacy. Furthermore, 15 U.S.C.1681 Section A Subsection ( 2 ), states, " a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c Section ( a ) ( 5 ) further states : no consumer reporting agency may make any consumer report containing any following items of information and/or any adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-1 Sections ( A ) ( 1 ) : Indicates a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any 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 2024-04-14 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 Accounts Listed Below have violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX- Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, and XXXX XXXXXXXX Acct # XXXX, have violated my rights. 

15 U.S.C. 1681 Section 602A. Clearly states, " [ I ] have the right to privacy. Furthermore, 15 U.S.C.1681 Section A Subsection ( 2 ), states, " a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c Section ( a ) ( 5 ) further states : no consumer reporting agency may make any consumer report containing any following items of information and/or any adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-1 Sections ( A ) ( 1 ) : Indicates a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any 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