vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The United States bankruptcy court XXXX XXXX of Michigan states they do not report to credit reporting agencies. Nor do they update information directly to the Credit bureaus.I have supporting documents as well.

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 2023-08-13 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: AZ

Complaint narrative:
Case XXXX Merchant Name : XXXX XXXX ( E-COMMERCE ) Dispute Amount : {$210.00} I have been disputing an ongoing case from XXXX. As the merchant indicated in their response to Discover, I had preorder a vehicle. They claimed I did not show up to pickup the vehicle.

So I reopened the case and provided Discover with XXXX map geolocation screen-prints ( with timestamps ) to prove I was at the location. In addition, the merchant physically scanned my Discover credit card at a physical terminal. I provided evidence that I possessed insurance prior to arriving. My reason for leaving without the rental vehicle is because I ordered XXXX vehicle insurance and the company attempted to charge me extra for their " premium required insurance '' without permission. Luckily, the unauthorized XXXX fell off ( from the physical card swipe ). I was disputing the remaining preorder. I fully understand it was " non-refundable '' ; however, the merchant breached the contract when they increased the costs considerably at pickup. I provided Discover with merchant reviews to establish that they have a long history of scamming individual 's in this manner. 
I even provided XXXX with a receipt from that day, including map legend from the rental vehicle location to my dentist appointment. 

Discover ultimately doesn't care, doesn't provide fraud protection, and refuses to glance at their own records to confirm I was present at the rental vehicle location ( where the Discover card was swiped at a physical terminal ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
summited a dispute with XXXX XXXX XXXX, XXXX company, and XXXX XXXX XXXX I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692 ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX, XXXX and transunion are reporting inaccurate information on 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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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:
Experian, XXXX and XXXX are reporting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This company charged-off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2023-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/23 I requested cash out of my cash app account. After I did this I noticed that the money didn't come to my bank. So I looked and it went to debit card ending in XXXX but I don't have a card that ends in XXXX, and I didn't change it. So I messaged cash app and they said the bank rejected it and it would be returned to my cash app in 1-3 day. I also took an extra step to cancel the cash out which seemed to be successful. But I never got the money back... It's been over 2 weeks and cash app continues to give me the run around and every time I reach out they close the case and respond telling me that I did the transaction so they are closing the case. Like they don't understand, yes I did the transaction but somehow someone hacked my acct or something and changed the debit number which since the bank rejected the transaction they should have returned the money like they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted dispute number XXXX and requested the removal of inaccurate Phone Records , Records 1 & 2, from my LexisNexis Consumer Report. 
On XX/XX/XXXX, LexisNexis provided a Report of Investigation ( Consumer Number XXXX, Case Number XXXX ) and determined the disputed Phone Records to be Unverifiable. On XX/XX/XXXX, LexisNexis provided a Report of Investigation ( Consumer Number XXXX, Case Number XXXX ) and determined the disputed Phone Records to be Accurate. On XX/XX/XXXX, in response to LexisNexis XX/XX/XXXX communication, and pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ), I submitted a Method of Verification Request ( XXXX ) to LexisNexis. Pursuant to FCRA 611 ( a ) ( 7 ), the 15-day statutory deadline for LexisNexis to respond to my Method of Verification Request was XX/XX/XXXX. LexisNexis refused to respond to my Method of Verification Request dated XX/XX/XXXX, within the 15-day statutory deadline ( XX/XX/XXXX ) as required by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ). Therefore, I demand that the unverified Phone Records, Record 1 & 2, be promptly deleted from my LexisNexis Consumer Report. Additionally, I am interested to learn how LexisNexis was able to conduct a reasonable investigation and verify the disputed items as accurate with a source that no longer exists. XXXX XXXX XXXX was purchased by XXXX XXXX XXXX on XX/XX/XXXX. Details of the purchase may be found on page 11 of XXXX XXXX XXXX filing with the United States Security and Exchange Commission dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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:
This company charged off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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:
This company charged off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
summited a dispute with XXXX XXXX XXXX  XXXX company, and SOURCE RECEIVABLES MNG I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692 ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
summited a dispute with XXXX XXXX XXXX, XXXX company, and XXXX XXXX XXXX I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692 ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TX

Complaint narrative:
US Auto went out of business and sold our contracts to a 3rd party collection agency. With the selling of the contracts many of the agreements were broken such as warranty, gap insurance, etc. The 3rd party company our contracts were sold to does not have the same amount owed, they are unable to honor any of the agreements that were made between is the customer and US Auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute to equifax on XX/XX/23 to update my birthday as it is reporting incorrectly. I submitted a copy of my drivers license that shows my correct birthdate, by equifax claims that the incorrect birthdate is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute a fictitious account on my credit report. The account is for XXXX, and it has XXXX late payments and a balance of {$1900.00}. The balance was updated on XX/XX/2023. 

I have never opened a XXXX account XXXX I have never purchased anything from XXXX, and I have never missed a payment on any of my accounts. I believe that this account is fraudulent. 

I have attached a copy of my credit report to this letter. The XXXX account is listed on the report by XXXX, XXXX, and XXXX. 

I request that you investigate this matter and remove this account from my credit report. I have attached a copy of my driver 's license and a copy of my utility bill to this letter as proof of my identity. 

I have also filed a dispute with XXXX, XXXX, and XXXX. I have requested that they investigate this matter and remove the XXXX account from my credit report. 

I am requesting that you expedite your investigation into this matter. I am concerned about the impact that this fraudulent account is having on my credit score. I have recently applied for a mortgage, and I am afraid that this fraudulent account will prevent me from getting approved. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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:
This company charged-off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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:
This company charged-off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.

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 2023-08-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I paid for an American Express Pre-paid Gift cards on or about XX/XX/2021, in the value of {$75.00}. The had charges on it before I even received the card in the mail. I attempted to communicate with American Express to advise that they needed to send a replacement card. Amex said that they disclaimed all liability! In fact, I could not even speak with anyone about the card. I emailed the CEO of AMEX and a representative wrote me an email and said there was nothing MEX would do for selling me a pre-paid gift card of {$75.00} with a balance of XXXX on it when I received it. For more than one year, I have been attempting to communicate with the Executive Office of American Express about this issue. I have been told that AMEX will not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Received notification from XXXX and Transunion that a new account " with XXXX XXXX was opened in your name. The Credit Card account was opened on XX/XX/2023. '' Contacted XXXX XXXX and confirmed no such new account opened. Companies websites designed to hide dispute credit report pages behind subscription pages. Direct links accessed at cfpb.gov. Hours spent in attempt to dispute credit report item failed. Company not taking responsibility for erroneous credit report changes.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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:
This company charged off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.

Per 12 CFR 1022.42. There has not been Reasonable policies and procedures concerning the accuracy and integrity of furnished information through Equifax, as XXXX deleted this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This company charged off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Received notification from Equifax and XXXX that a new account " with XXXX XXXX was opened in your name. The Credit Card account was opened on XX/XX/2023. '' Contacted XXXX XXXX and confirmed no such new account opened. Companies websites designed to hide dispute credit report pages behind subscription pages. Direct links accessed at cfpb.gov. Hours spent in attempt to dispute credit report item failed. Company not taking responsibility for erroneous credit report changes.

Company response to consumer: Closed with non-monetary relief