vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: CA

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items. Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was scammed on XXXX-2024. After reaching out to the cashapp escalation department. I was given this number by a cashapp agent to have a previous case rectified. I was told to call this number ( XXXX ( XXXX ) XXXX ) and ask for XXXX. So I did. XXXX began to help me, by asking me to download a screen sharing app so I did. He then starts to walk me through getting my case resolved and my money back from being previously scammed. He asked me to go to the last person that sent me money. A friend XXXX XXXX who in turn was with me at the time. So he asked her to open her cashapp and enter several various numbers for a verification code. He then tells her to press pay after every set of numbers but insist the money would not be taken out of her account and that it was just dummy numbers. And insisted this is the process cashapp takes to get customers their money back. In total {$2900.00} he made her send as dummy codes and swore it would not come out of her account. He told me I had to change the bank card on file in order and cash out to the new bank card he gave me to get the money I was scammed out of back. Afterwards she became irritable and Leary of the situation in which she told him she could no long enter dummy numbers and pressing play because she got a text from her bank that her card would be locked. So he tells me he needs to finish the verification process and that he needs me to scroll down my cashapp and he asked to finish the process with another friend. So I got another friend on the phone XXXX XXXX, in which he had her send {$850.00} dollars three times, using the same line it wont come out of your account its for verification only. In total she scammed her through me {$2500.00}. I had no awareness of any of this. He asked me if I could get another friend to finish verification and it was then I called him a scammer and he began to say he wasnt he wasnt and that he was getting in contact with his cashapp boss to inform them the verification could not be completed. And that he would call me back. He hung up I called back 2 minutes later the number was disconnected and I and my friends were scammed out of {$5500.00}. He used a cashapp maamegyi! I will show documents below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
XXXX XXXX I do not open an account. This account is with Caine & Weiner a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
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 2024-02-13 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I had an unfortunate experience with this complex that I feel compelled to share. Despite notifying them of my move-out date in accordance with our agreement, I was charged an additional month 's rent. The management claimed they did not receive my notice, and rather than verifying this with the employee who received my notification, they escalated the situation by sending my account to collections. This lack of accountability for their staff 's oversight has been both disappointing and frustrating. Prospective and current residents should be aware of this before signing the contact with this complex. Per XXXX  reviews these seems to be ongoing problem at this business. 

As a business owner myself, I understand that while tenants have contractual obligations, there is also a reciprocal duty on the part of the business and its employees to manage such communications responsibly. This action not only disregards the principle of accountability within business operations but also highlights a significant lapse in maintaining trust and integrity in tenant relations. 

Pleading ignorance when there were records to support the communication is not acceptable. And from reading the reviews it sounds like this is common practice. The complex is negligent in that they have employees answering phones that provide tenants with information that does represent the companies policies. The owner might consider investing the claims more thoroughly under the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Stop ignoring my requests ; I'm serious about suing your company for not fixing my credit report. Update XXXX XXXX XXXXXXXX account now or face legal action, and respond immediately to avoid further consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In commerce truth is sovereign.

Truth is expressed in the form of an affidavit.

An unrebutted affidavit stands as truth in commerce.

In commerce for any matter to be resolved, must be expressed.

He who leaves the battlefield first loses by default.

Sacrifice is the measure of credibility : A lien or claim can be satisfied only through rebuttable by affidavit point by point, resolution by jury, or payment.

Not sure why all my credit card companies and reporting agencies digging a deeper whole, willful non-compliance to my FTC identity theft affidavit which is notarized by repeatedly, 5x that my identity is verified. 

You are required by law to remove from credit report and credit card, the information that relates to the theft. 

Furthermore, anything added to a consumer report without my written consent could be considered identity theft. 

The notary has higher status in law than the attorney general, and you companies be out here telling me opt out isnt law, saying you fcra compliant, I mean, how long is this act negligent non compliance?

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-13 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: DISCOVER BANK
State: CA

Complaint narrative:
Today XX/XX/XXXX, I just received XXXX mails ( attached ) from DISCOVER BANK XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX as a follow up from my complaint. In the mails I received, DISCOVER BANK stated they were going to report my DISCOVER CREDIT CARD account as a disputed account to the Credit Report Bureaus ; this is ABSOLUTELY WRONG. Discover Bank is making it VERY DIFFICULT to fix the problem OF A VICTIM OF IDENTITY THEFT. I mailed a complaint to DISCOVER BANK on XX/XX/XXXX regarding the FRAUDULENT LOAN ACCOUNT opened at DISCOVER BANK using my SOCIAL SECURITY NUMBER, and I filed a complaint with CONSUMER FINANCIAL PROTECTION BUREAU on XX/XX/XXXX ; and my complaint stated that, XXXX OF DISCOVER BANK CUSTOMERS OPENED A LOAN ACCOUNT AT DISCOVER BANK WITH MY SOCIAL SECURITY NUMBER. This DISCOVER BANK customer ( XXXX XXXX XXXX ) is NOT using my name but using my SOCIAL SECURITY NUMBER at DISCOVER BANK for a LOAN ACCOUNT. And for the records, I DO HAVE A DISCOVER CREDIT CARD, AND IT IS DEFINITELY VALID, AND I AM NOT DISPUTING MY DISCOVER CREDIT CARD, contrary to what was stated in the mails I received today from DISCOVER BANK CREDIT BUREAU MANAGEMENT. At this point, it is very unfortunate that DISCOVER BANK has decided to report my DISCOVER CREDIT CARD TO THE CREDIT REPORT BUREAUS as a disputed account for NO REASON, and according to the mails, I received, DISCOVER BANK is making an attempt to collect A DEBT ON MY DISCOVER CREDIT CARD that is NOT DUE not until XX/XX/XXXX. In addition, I've already paid the total amount balance on my DISCOVER CREDIT CARD which is before the DUE date of XX/XX/XXXX which has always been my tradition ever since I've had DISCOVER CREDIT CARD. DISCOVER BANK HAS NOT RESOLVED MY IDENTITY THEFT COMPLAINT. DISCOVER BANK SHOULD REMOVE THE DISPUTE STATUS THEY'VE PLACED ON MY DISCOVER CREDIT CARD AT THE CREDIT REPORTING AGENCIES BECAUSE IT'S INACCURATE AND DEFINITELY INCONSISTENT WITH MY COMPLAINT, BECAUSE I NEVER REPORTED MY DISCOVER CREDIT CARD AS A DISPUTED ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I closed my Chase XXXX XXXX Rewards MasterCard business credit card account in or around XX/XX/2023. I am now doing my company 's year-end accounting and I need a copy of a statement from XX/XX/2023. I would like to download the card statements in XXXX XXXX  PDF format from the website as I used to be able to, but Chase has removed all references to the account and customer service at first claimed that they could not access any information because the information had been destroyed. I asked to be transferred to a supervisor, who told me the same lie. I told her that she was lying and she said I could call back and speak to another supervisor. Instead, I called the Chase " Executive Office '' and a representative confirmed that the statement I was asking for was indeed available ( meaning that both of the prior representatives were in fact lying ), but it could only be mailed out via postal mail because the card is not on the Chase website. 

Chase obviously controls the Chase website and has made the active decision to purge records for closed accounts, even when customers are entitled to their own financial records. It should not be so difficult to get electronic copies of one 's own records, whether an account is considered open or closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-13 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: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-13 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: NC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-02-13 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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