vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX acct : # XXXX, XXXX XXXX  acct : # XXXX, XXXX XXXX  acct : # XXXX, XXXX acct XXXX # XXXX, XXXX acct XXXX # XXXX, XXXX acct : # XXXX, XXXX XXXX  acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX acct : # XXXX, XXXX acct : # XXXX. Personal information : Incorrect addresses XXXX XXXX XXXX XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

U.S.C. 1681A States I have the right to privacy.

U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.l

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: MO

Complaint narrative:
XXXX has violated my Fair Credit Reporting Rights by not honoring my certified mail request on XXXX XXXX XXXX  request to remove inaccuracies from my credit report. I reported inaccurate information related to my personal information and remove old addresses that do not belong to me. I have a FCRA right to have accurate credit reporting from each credit reporting agency and all reporting agencies should be reporting the same information. 

I have one name : XXXX XXXX I have one address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 

I sent a copy of my state issued drivers license and a copy of my social security number as verification. However, my records were not updated. There are still 23 addresses that do not belong to me. Please remove all addresses except for the address listed on my ID. 

Also, the following items are disputed and I am requesting verification of the steps taken to validate the following debts : Who you spoke to? Where did you go to validate the debt? Provide a copy of the original debt with my wet ink signature signed with the actual reporting agency? A detailed accounting showing how the account made their determination from the day the account was established? Documentation to show these transactions were indeed made by me not a transferred security? Please provide original documents not verification from E-Oscar with is a violation of my FCRA rights. I am also a victim of identity theft and have a right to remove inaccurate accounts. 

XXXX is liable under the SEC to follow federal rules according to the FTC and SEC. If this is not corrected, I as a consumer will filing Form 211 Treasury OMB Forms to audit a consumers account. XXXX is securitizing my data but is refusing to provide me with accurate reporting and full disclosure related to my consumer file. 

The following accounts are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no co applicant. Im not married. 

Please update my info to the one address on my ID. 

All addresses

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 2023-09-07 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: MO

Complaint narrative:
XXXX has violated my Fair Credit Reporting Rights by not honoring my certified mail request on XX/XX/ request to remove inaccuracies from my credit report. I reported inaccurate information related to my personal information and remove old addresses that do not belong to me. I have a FCRA right to have accurate credit reporting from each credit reporting agency and all reporting agencies should be reporting the same information. 

I have one name : XXXX XXXX I have one address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 

I sent a copy of my state issued drivers license and a copy of my social security number as verification. However, my records were not updated. There are still 23 addresses that do not belong to me. Please remove all addresses except for the address listed on my ID. 

Also, the following items are disputed and I am requesting verification of the steps taken to validate the following debts : Who you spoke to? Where did you go to validate the debt? Provide a copy of the original debt with my wet ink signature signed with the actual reporting agency? A detailed accounting showing how the account made their determination from the day the account was established? Documentation to show these transactions were indeed made by me not a transferred security? Please provide original documents not verification from E-Oscar with is a violation of my FCRA rights. I am also a victim of identity theft and have a right to remove inaccurate accounts. 

XXXX is liable under the SEC to follow federal rules according to the FTC and SEC. If this is not corrected, I as a consumer will filing Form 211 Treasury OMB Forms to audit a consumers account. XXXX is securitizing my data but is refusing to provide me with accurate reporting and full disclosure related to my consumer file. 

The following accounts are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no co applicant. Im not married. 

Please update my info to the one address on my ID. 

All addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: VA

Complaint narrative:
XXXX XXXXXXXX XXXX  Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. 

After asking for method of verification from XXXX, Experian, and XXXX whom have failed to provide any response. This account is reporting inaccurate according to the XXXX XXXX XXXX XXXX. 

After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. 

I also mailed XXXX XXXX XXXX and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. 

I have attached below all Exhibits Certified Mail sent to data furnishers of information below. 

This account needs to deleted from my account because it is incomplete and 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 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Square Inc. regarding their unethical and potentially illegal actions in relation to a recent ACH transaction totaling {$5500.00}. This transaction occurred on XX/XX/ and was my first experience with Square as a payment processing company. Regrettably, it has been nothing short of a nightmare. 

I initiated a {$5500.00} ACH transaction through Square 's platform. To my astonishment, immediately after the transaction, my Square account was inexplicably deactivated, and I was left in the dark about the status of my funds. I contacted Square 's customer service department immediately to seek clarification and resolution. 

My initial contact with Square 's customer service was disappointing and unprofessional. The representatives I spoke with displayed a complete lack of empathy and professionalism. They failed to provide any concrete information about the reason for my account deactivation and the status of my funds. Instead, they assured me that " management would call [ me ] within 2 business days to resolve the issue. '' However, as the days turned into a week, I heard nothing from Square 's management or anyone else from the company. Frustrated and concerned about the safety of my funds, I attempted to follow up with Square multiple times. On each occasion, the customer service representatives were unhelpful and, shockingly, even hung up on me without any explanation. 

The condu

ct of Square Inc. in this matter is not only unacceptable but also potentially in violation of federal regulations governing ACH transfers. By deactivating my account and withholding my funds without any reasonable explanation or avenue for resolution, Square has demonstrated a blatant disregard for ethical business practices and consumer rights. I believe that this behavior may constitute an unfair and deceptive trade practice. I kindly request the Consumer Finance Bureau to investigate this matter thoroughly and take appropriate action against Square Inc. to en
sure that they adhere to ethical and legal standards in their business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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:
I have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.

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 2023-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
I reached out to Choice Recovery IncXXXX in XX/XX/2023 after finding a medical debt that has a balanced owed under {$500.00} with an account # XXXX listed on my consumer report. The mail was returned undeliverable although it is the address listed on my consumer reports. When I went to verify the address for Choice Recovery on my credit report, I pulled a new copy of my credit report to find that the same account XXXX XXXX was now being reported and collected on by Wakefield & Associates. I reached out to Wakefield & Associates requesting a debt validation because I was never notified prior to them parking this alleged debt on my consumer report and also this alleged debt is a medical debt with a balance owed under {$500.00} and should not be reflecting on my consumer report due to the Medical Debt Rule that clearly states that UNPAID MEDICAL DEBT with a balance due BELOW {$500.00} SHOULD NOT BE REPORTED TO THE CREDIT REPORTING AGENCIES. I received a response from Wakefield & Associates claiming debt was verified by XXXX XXXX but I do not recall provided them with permission to disclose my personal NON PUBLIC private information with Wakefield & Associates or anyone connected with this company. Wakefield & Associates did not provide me with any disclosure or HIPAA authorization to show otherwise. My privacy and HIPAA rights have been violated. My personal NON-PUBLIC information was provided to this company, and they refuse to provide me with proof on how they received my information and how they have the right collect. I sent a letter to them via certified mail on XXXX and they have not repsonded.This company is willfully violation my rights and federal, state, privacy and HIPAA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
In XXXX of XXXX my XXXX was stolen. On this XXXX had all my personal information including my SSN, address, and account information. No accounts had been opened during the first 2 months so I assumed everything was fine outside of a compromised Apple XXXX. On XX/XX/XXXX I got an email from XXXX saying my Apple Card had been closed, so I immediately called Apple because I know I did not open another credit card, especially with them. Come to find out, the card had a bill over XXXX so I immediately opened a dispute. The agent even told me that someone was making payments on the account, so why not just trace the account that was making the payments and confirm that the bank account does not belong to me! After months of trying to get them to receive my documents, they finally come back and tell me I am responsible for the account but did not include how they came to that conclusion and what information they investigated in order to hold me liable. I sent in a police report, identity theft report from the FTC, proof of identity, and bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: CA

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 XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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:
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 XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a 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 2023-09-07 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: VA

Complaint narrative:
XXXX XXXX XXXX  Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. 

After asking for method of verification from XXXX, XXXX, and Equifax whom have failed to provide any response. This account is reporting inaccurate according to the Metro 2 Compliance Standard. 

After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. 

I also mailed XXXX XXXX XXXX and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. 

I have attached below all Exhibits Certified Mail sent to data furnishers of information below. 

This account needs to deleted from my account because it is incomplete and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: CA

Complaint narrative:
in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. account number # XXXX. XXXX XXXX account number : XXXXXXXX XXXX account number :XXXXXXXX. XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number # XXXX XXXX XXXXXXXX XXXX, XXXX. account number # XXXX. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years. 15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe 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 2023-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX Now Part Of XXXX illegally SOLD my debt and information to a third party debt collector on XXXX Which would be I.C. SYSTEM, INC. Both of these Debt Collector Companies REFUSE to RECONNECT my phone services as a Consumer for personal/family use pursuant to 15 USC 1692c , and I am TIRED of repetitively being ABUSED and HARMED from both of these companies for having my services Disconnected Every Since XXXX XXXX XXXX XXXX XXXX pursuant to 15 USC 1692d XXXX Both Debt Collector Companies have False and Misleading Claims/Representations stating that I owe a DEBT of a POSITIVE BALANCE of {$420.00} pursuant to 15 USC 1692e . This is HIGHLY UNFAIR to me as a consumer and neither one of these debt collector companies have Validated this debt they Falsely Claim I owe, pursuant to 15 USC 1692e AND pursuant to 15 USC 1692f AND pursuant to 15 USC 1692g. I.C. SYSTEM, INC has furnished multiple deceptive forms to me via email which is VERY UNLAWFUL AND ILLEGAL pursuant to 15 USC 1692j ( a ) and 15 USC 1692j ( b ), And ANY person OR Company who violates this section shall be liable to the same extent and manner of a Debt Collector under section 15 USC 1692k! As of Today, XXXX my phone services for Account Number : XXXX STILL Remain ILLEGALLY DISCONNECTED and according to the FDCPA and FEDERAL LAW 15 USC 1692k CIVIL LIABILITY Specifically States, that is backed by Congress to protect Consumers, AND it is {$1000.00} PER VIOLATION AND DAMAGE to the Consumer. My phone services need to be RECONNECTED ASAP, IMMEDIATELY!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

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