vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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 want these XXXX loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of 1974 these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.

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 2024-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want these XXXX loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of 1974 these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-03 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: KS

Complaint narrative:
The account is reported as completely incorrect. I will attach proof of payments for as far back as my bank can pull statements for the reported late payments, but the last state of activity, the last state of payment, the payment history, the account balance, everything on this credit item on my credit report looks to be incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: OR

Complaint narrative:
I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2024-01-03 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: IN

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 2024-01-03 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-03 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  male, from XXXX, Illinois. ( maroon late model XXXX XXXX temp plates ) wanted for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unlawful restraint, and XXXX XXXX  Can we post his photo for capture so no others are hurt? If needed will post a reward myself for his capture! 

XXXX XXXX ( Small Red no tint 4 Door XXXX illinois plates silver or grey hubcabs small wheels ) chase checking ends XXXX Chase card : XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) Local assault / attempted XXXX  Occurred : XX/XX/XXXX XXXX XXXX XXXX report : XXXX Chase opened an account without proper user identification, this criminal never lived at my address by planned to XXXX  me and live in my home for XXXX. Its unacceptable to allow individuals to open accounts without proof of residency this is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX Bank XX/XX/2022 XXXX XXXX XX/XX/2022 Sensible Auto XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Capital XXXX Auto XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Capital XXXX Auto XXXX XX/XX/2022 Ally Financial XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 2022

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed multiple credit card disputes against a merchant who falsely identified himself as a Licensed General Contractor and scammed me for over {$100000.00} for work he never rendered or completed ( Only a portion of this was on Credit Cards I also paid cash and sent XXXX Payments ). I filed disputes with Capital One to try to have the payments returned for the services which were not performed. I filed the disputes but was told incorrect information by Capital One employees the entire time. Every time I call in I receive incorrect or conflicting information. I was told by one person " Not to submit too many documents because the caseworker is busy land will get overloaded '' I was also told that after the merchant responds that as long as I respond with any documents, the dispute will be sent back to the merchant/visa. I responded with a lot of documents, which I was lead to believe were adequate, and Capital One sent me a letter saying they can not assist with the dispute and that they're closing the dispute. I asked what the correct documents to upload were or what was wrong with my documents and I have not been able to receive a direct answer. This was extremely important to me and Capital One told me conflicting information again and again. I also was told that if I respond to the merchants response with more documents that I would receive a new deadline with additional time to upload documents, if Capital One decides they need more documents. I was later told this is incorrect and that I will need to upload additional documents by the original date, even if I upload documents and more documents are requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want these student loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of 1974 these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want these student loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of 1974 these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXXXXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XXXX I received a response stating that the account ( s ) were verified on XXXX 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this account is not showing up late on my XXXX report, just my XXXX and Transunion XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any PROOF of validation to me. 


Best Regards, 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 non-monetary relief
Consumer complaint received 2024-01-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XXXX I received a response stating that the account ( s ) were verified on XXXX 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this account is not showing up late on my XXXX report, just my Equifax and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any PROOF of validation to me. 


Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXXXXXX XXXX XXXX  RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XXXX 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any PROOF of validation to me. 


Best Regards, 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 2024-01-03 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:
This company is reporting late payments for XXXX and XXXX of 2023 and has failed to provide any verifiable proof within 30 days of my requests to do so. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is delivered to the consumer not later than 21 days. I never gave any written instructions to furnish this data which is a violation of 15USC 1681b. They must comply with 15USC SEC 1681li ( a ) and I am gathering all of this information with help from my attorneys for further litigation. I demand said late payments be removed immediately from my consumer 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 2024-01-03 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: FL

Complaint narrative:
This company is reporting late payments for XXXX and XXXX of 2023 and has failed to provide any verifiable proof within 30 days of my requests to do so. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is delivered to the consumer not later than 21 days. I never gave any written instructions to furnish this data which is a violation of 15USC 1681b. They must comply with 15USC SEC 1681li ( a ) and I am gathering all of this information with help from my attorneys for further litigation. I demand said late payments be removed immediately from my consumer 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 2024-01-03 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: PA

Complaint narrative:
I have not gotten a response from the credit furnisher to my previous documents that I submitted to them.

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 2024-01-03 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: TX

Complaint narrative:
I am requesting that it will be removed from my credit 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 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XXXX XXXX XXXX at approxmiately XXXX central time, someone unknown to me attempted to withdraw {$1500.00} from my then XXXX account that has subsequently been closed. That same day, someone was successful in wiring {$2500.00} from my XXXX account which XXXX did refund me, but not after a battle to get it. 

I immediately reached out to CashApp, but there was never a live person to speak with, everything is done via a XXXX  to explain the situation. I told the Cashapp people I had no knowledge of who the person or people were, but they were clearly working simultaneously on my XXXX and Cashapp account, but Cashapp said I authorized the charge and closed the case. They, Cashapp, said they investigated the claim and came back with a finding of responsiblity after a 24 hour " investigation. '' I asked them if they followed the wire transfer to see where they money was transfered and they said no because I authorized the charge. I ask, did they really do an investigation because they had already said it was a charge I approved. They money had to end up somewhere. I have always suspected the theft/fraud was an inside job because of the quick investigation and their unwillingness to offer any real assistance or resolution. It also doesn't help there isn't a real person to speak with to handle such sensitive matters. Everything is done virtually and you NEVER SPEAK TO A REAL PERSON!!! 

I recently revisited the original complaint because I noticed someone attempted to make another account using my name. I haven't used Cashapp since this theft happened and will not ever use an app that handles money and no real person to talk to. They continue to spin me and offer no assistance. Like I explained in my initial complaint, if this {$1500.00} dollar charge was something I authorized, why am I still fighting to recover the money three years later. I strongly maintain this was an inside job. 

I would also like to add this was at the height of XXXX when online crimes of this nature were at an all-time high. I have attached the transactions from that day. YOu can see the flurry of activity that looks like a desperate attempt to steal money. And, never have I ever used anything bitcoin related. Lastly, someone attempted to create another account using the name XXXX XXXX That person was not me. And why would I? This app is not at all reputable. The fact you can't speak to a person gives rise to people working there to engage in all kind of criminal activity because they know the victim will never be able to speak with anyone.

Company response to consumer: Closed with explanation