vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 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: NV

Complaint narrative:
Again, I was a victim of identity theft and this is another request to block the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting the following wrong address : 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 2022-07-28 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: GA

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

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

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 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

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

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 2022-07-28 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: GA

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SandP Solutions, Inc.
State: OH

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Bitcoin of America account to fraudulent investment firm ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

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

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 2022-07-28 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: GA

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: GA

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

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

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 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with fair credit reporting act XXXX Account # : XXXX, Account name : XXXX XXXX SV has violated my rights.

15 U. S. C 1681 section A. States I have the rights to privacy.

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

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 2022-07-28 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: GA

Complaint narrative:
In accordance with fair credit reporting act XXXX  Account # : XXXX, Account name : XXXX XXXX XXXX has violated my rights.

15 U. S. C 1681 section A. States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: GA

Complaint narrative:
In accordance with fair credit reporting act XXXX  Account # : XXXX, Account name : XXXX XXXX XXXX has violated my rights.

15 U. S. C 1681 section A. States I have the rights to privacy.

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

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 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with fair credit reporting act XXXX Account # : XXXX, Account name : XXXX XXXX XXXX has violated my rights.

15 U. S. C 1681 section A. States I have the rights to privacy.

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

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 2022-07-28 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: GA

Complaint narrative:
In accordance with fair credit reporting act XXXX Account # : XXXX, Account name : XXXX XXXX XXXX has violated my rights.

15 U. S. C 1681 section A. States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I send documents to Sallie mae requesting they send me the audit trail, and detailed documents that i specifically requested associated with my account. They received this malling through Certified mail # XXXX on XX/XX/XXXX it has been 8 full business days since they received this malling and yet to respond

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
In late XXXX I seen a charge for XXXX to my account I called chime said I did not no what that was and that my debit card has never left my site n Noone has ever had access to it I live alone.

They gave me provisional credit n I was satisfied they said I had to kill my card I said that wasn't necessary but agreed on XX/XX/XXXX they took credit back. Said that they investigated n that I Made the purchase I said I absolutely DID NOT. N DEMANDED THE XXXX INFO. TO THIS DAY I XXXX FIGHTING CHIME N THEY PUT ME OFF ON A REBTTEL. I JYST GOT WORD IM NOT GETTING MY MONEY BACK. ALL THE INFO THEY GAVE ME ON MERCHANT WAS " PHONE '' NO ADDRESS NO NAME OF COMPANY NO PHONE NUMBET. I SAID WELL IF THEY INVESTIGATED THEN I WANT TRACKING NUBER TO WHAT I ALLEGLDY PURCHASRD BC I DID NOT RECIEVE ANYTHING FOR XXXX. ..ITS BEEN 8 MONTHS. THEY HAVE ERASED ALL RECORDS OF THAT DISPUTE. I TRIED TO RELOOK TO MAKE SURE IM GETTING THE AMOUNT EXACT. N NOW ITS GONE ALL OTHER DISPUTES ARE TGERE. THEY. CHIME ENDED UP CLOSIBG ME OUT OF MY ACCOUNT WHERE I CLD NOT SEE MY MONEY. N ALL MY TRANSACTIONS WERE ON LINE BC I DOD NOT DROVE AT TIME. THEY LOCKED ME OUTA MY ACCOUNT FOR XXXX DAYS. THEY WLD NOT LET ME HAVE ACCESS TO MY MONEY OR EVEN SEE IT ON LINE IT WAS JUST GONE. I TOOK XXXX TO N FROM WORK. I ALMOST LOST MY JOB BC I HAD SO MANY POINTS ACCUMULATED IN THAT XXXX  DAYS THEY WLD NOT RELEASE MY FUNDS TO PAY XXXX I ALMOST HAD A XXXX I WAS SO SO DEVASTATED AND DISTRAUGHT THEY WLD NOT TALK TO ME ON PHONE KEPT SAYIBG I HAD TO EMAIL IT WAS A NIGHTMARE. WHEN I GOT BACK TO WHERE I CLD SEE MY ACCOUNT I WENT STRAIGHT TO ATM TO GET ALL MY MONEY OUT OF THAT ACCOUNT. N MY CARD WAS CANCELLED. WITHOUT ME HAVING TO RELIVE IT ALL LETS JUST SAY THEY ARE NOT BEING TRANSPARENT ON THIS " PHONE '' DESL FOR ALMOST 100 OUTAMY ACCOUNT. THIS BEEN GOING ON FOR 8 MONTHS NOW. I ONLY KEPT CHIME AFTERWARDS BC OF THE TRANSFER TO ANYONE IN SECONDS FREE OF CHARGE AND THE XXXX XXXX FOR WEEKS I WAS OFF AFTER ALL THAT STRESS I HAD XXXX XXXX PROBLEMS XXXX OVER XXXX FOR 3 MONTHS. THEN MY XXXX  HAD TO CONE OUT I WAS AN EMOTIONSL MESS THINKIBG THEY STOLE ALL MY MONEY LOCKIBG ME OUT. I HAD NOT A DIME TO MY NAME BC I CLDNT DRIVE SO I DID EVVVVERYTHING ON LINE TO DELIVERIES TO XXXX EVERYWHERE. I HAVE MADE OVER 30 CALLS OVER 50 EMAILS TRYING TO PROSECUTE THE VENDOR. I WANT MY HARD EARNES MONEY BACK I DOD NOT MAKE THST AUTHORIZATION N THEY KEEP WORDIBG IT DIFFERENT N WILL NOT GOV ME STRAIGHT ANSWER ON CONTACTIBG VENDOR. IM SORRY FOR MY PENMANSHIP I LOAD XXXX XXXX FOR XXXX N ITS XXXX IN XXXX XXXX  SO MY FINGERS ARE XXXX XXXX N IM TEYING TO TEXT THIS FAST ON MY LAST BREAK. CHIME IS TE ACCOUNT HDER DENYING MY REFUND THAT THEY AUTHORISED NOT ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Radius Global Solutions LLC
State: TN

Complaint narrative:
Radius global solutions is a scam and only there to Corner people, my XXXX XXXX the one that they are supposedly saying is XXXX dollars in the rears was actually closed 2 months before this bill. Called XXXX they confirmed the account is actually in the positive and has had an account credit, spoke with radius multiple times, they are rude and refuse to look into anything ... what they do is wrong and they do not confirm debts before they go crazy on your credit report. This is affecting my ability to close on my home so I will be seeking legal counsel after this is proved correct. I have account balance screenshots also XXXX said call them they will confirm I have 3 open accounts all paid 100 % on time ......

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 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
Failure to remove a debt paid in full from a credit report is against the law and failure to have said debt removed from collections and still trying to collect on debt that has been paid in full to the physical is fraudulent and grounds for a law suite . I have submitted evidence to reflect such payment in full to collections as well as ALL CREDIT REPORTING COMPANIES. If this debt does not get removed ASAP my lawyer is prepared to take legal action against all parties involved that are not conducting in the manner and are committing fraudulent acts against me and my good name and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Funds from my deceased wife 's three accounts that were to be placed in my retirement account has been lost/stolen by JP Morgan Chase since XXXX. They closed three accounts to transfer into my account and can not locate these funds to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NH

Complaint narrative:
I have two accounts with Fortiva since XXXX and never defaulted on either. They charged fees even when no charges were made for purchases. On XX/XX/XXXX the company closed both accounts without notice after charging me for XX/XX/XXXX fees which I paid {$12.00} on XX/XX/XXXX and {$10.00} on XX/XX/XXXX. I contacted customer service, they refused to refund me for the XX/XX/XXXX fees they charged and were paid for in advance even though they canceled both accounts for inactivity on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
We recently switched to Square as a payment processor for The XXXX XXXX XXXX ( a XXXX organization ). On XX/XX/XXXX, we had XXXX transactions for donations totalling {$6900.00}. XXXX  sent an email saying they were closing the account effective immediately, but that they were going to hold the funds for at least 90 days. These donations are critical to our organization and Square has not provided any meaningful attempt to rectify this situation ( releasing the funds ) even after we said we'd provide any supporting documentation they would require. 

I've attached a copy of our determination letter from the IRS and a screenshot of the suspended deposit. More information about XXXX can be found here : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive been trying to get my credit report from this Agency.but all I get is the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint said that my property is XXXX. That is not factually accurate because I still have title to my property meaning I own property. There has been no deed or title transfer from the court. Shellpoint can not provide any document that shows I do not own my property currently. Florida is a judicial state and a title state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WATERSTONE MORTGAGE CORPORATION
State: NV

Complaint narrative:
On XX/XX/2022 I received a notification via XXXX that my credit file had been viewed by Waterstone Mortgage. Upon digging deeper, I found that a mortgage loan officer by the name of XXXX XXXX, located in XXXX New Mexico, viewed my credit report without my consent. This resulted in a new inquiry being placed in my file, which I did not agree to. I was unaware that my social security number was even going to be used to view my credit report. In addition to viewing my report without my consent, XXXX XXXX shared my private credit information, debt amounts, loan information etc. with a family member. There was absolutely no regard for my consumer or credit security during this action which all took place over a phone call. I have never intended to obtain a mortgage loan in the state of New Mexico, as I currently reside and have built a life elsewhere. The use of my social security number, and the sharing of my credit file information was completely done without my knowledge or agreement.

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 2022-07-28 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: CT

Complaint narrative:
XXXX this XXXX XXXX have been disputed numerous times with EXPERIAN and yet now still here we are over 105 days later it's still showing up on my Credit Report under a name XXXX XXXX which is also on my Credit Report! I've told them numerous times to REMOVE THEM BOTH filed numerous disputes and EXPERIAN ignored them! Who has a dispute investigation for over 3 months which they have on RECORD that I disputed them! By law it's only supposed to be 30 days but yet it's still there like if my life and family life is a joke. I'm also suing them and took legal actions against them for this it doesn't make sense so maybe they'll understand now. Please have them remove it immediately, they want me to wait another 45 days when I've waited over 105 days. XXXX got my score at XXXX OUTSTANDING

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