vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I opened my account with Square on XX/XX/2024, and was using and processing payments until XX/XX/2024. Suddenly on XX/XX/2024 I recieved an email that my account has been closed. 

They are telling me I can not receive the payouts that I processed with them ( {$8000.00} ). 

And that my account has been closed and I can no longer process payments. 

I have sent emails- called- and I have received no support back, not even telling me why my account was shut down. 

So essentially they are holding {$8000.00} that I have processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is an issue with my credit report. I have tried several times to have erroneous information removed. I disputed these accounts with the credit reporting agencies. They responded back to me and said it was verified with U.S. BK courts and XXXX XXXX. I requested information from them and they informed that the information unverifiable and should be deleted. I am enclosing a documentation to support the removal of all XXXX XXXX BK 's on my credit report. I am enclosing the proper documentation. 

-XXXX  XXXX BK case # XXXX -XXXX XXXX BK case # XXXX -XXXX XXXX BK case # XXXX -XXXX  XXXX BK case # XXXX -XXXX XXXX BK case # XXXX -XXXX XXXX BK case # XXXX -XXXX  XXXX BK case # 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 2024-02-16 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: MD

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

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: MD

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

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Equifax ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Equifax ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Equifax ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Equifax ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/24 at XXXX I received a call from XXXX XXXX I didn't answer. The person left a detailed message regarding fraud on my XXXX XXXX XXXXXXXX account. She also left a reference number XXXX. I didn't call back as I suspected it was a scam. Her voice was clear with perfect XXXX and she was quite calm. I called XXXX XXXX XXXX 2x last week and couldn't reach anyone. it didn't matter what dept I reached out to I received the same automated info as to how busy are. Yesterday I received postal mail from " XXXX XXXX XXXXXXXX '' to call them right away at XXXX as they received a credit card application in my name and they need me to verify that I submitted the application which I did not. I didn't call either. On the bottom of the letter it states if they don't hear from me within the next 30 days they won't be able to complete their review and they'll cancel the application. *Please note the letter is dated the same day as the call XX/XX/24 and contains the same reference number as in the call voicemail. It also appears a bit fake in some areas. It has been impossible to reach anyone at XXXX XXXX XXXXXXXX and I tried again today. I'm calling the number on my card but I'm wondering if my calls are being rerouted. To continue, I called my other bank today as I noticed that a hard inquiry was done BY XXXX  XXXX XXXX ON XX/XX/24 AS WELL. The rep from my other bank couldn't really assist but it was definitely done and lowered my score. I informed her of what is going on. I'm not sure what the next step is. I'll probably have to visit a XXXX XXXX XXXXXXXX as my calls are not being answering. I have no idea why they did a hard inquiry and more importantly without my permission or knowledge. I know about this as my other bank provides me with credit monitoring services. I'm very concerned about this situation. Thank you.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
XXXX REPORT ONE OF MY NFCU CREDIT CARD OVER THE LIMIT WICH IS NOT TRUE AND MYU SCORE WENT DOWNED XXXX POINT. I CALLED XXXX CUSTOMER SERVICE AND THEY SAID THAT NAVY FED CU ACCT CREDIT CARD ENDING XXXX IS OVER XXXX AND THAT IS NO TRUE THE ACCT IN QUESTION BALANCE IS XXXX WHICH LEFT ME WITH XXXX AVAILABLE TO USE. HERE IS NAVY FEDERAL CU XXXX FOR YOU TO VERIFIER WHAT I SAID. I NEED XXXX TO STOP TARGET ME AND GIVE THE XXXX POINTS BACK TO MY SCORE.ANY FUTHER DOCS YOU NEED DON'T HESITATE TO CONTACT ME PLEASE. 


XXXX 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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion allowed someone from XXXX XXXX to falsely report information on my credit report that resulted in me being denied housing an obtaining loans for housing.

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 2024-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have an inquiry showing on my credit report that is inaccurate/fraudulent I did not authorize for my credit to be ran for this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Fraudulent Inquiry Dispute Dear Sir/Madam Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Subject : Fraudulent Inquiry Dispute Dear Sir/Madam Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : EXPERIAN XXXX CRED Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Sincerely, 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 2024-02-16 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: TX

Complaint narrative:
I believe FCRA 605B says wrong accounts should get removed from credit reports. I'm not sure what's going on, but please check the accounts in the documents. They're not right on my credit report, both the accounts and their status. I'm upset and feeling sick about this, so I need your help.

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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

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 2024-02-16 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victims of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in process f buying a home for my family. Please removed these fraudulent accounts from my credit report as soon as possible. 
1. State of MI Office XXXX XXXX {$10000.00} 2. STATE OF MI OFFICE XXXX XXXX {$11000.00} 3. STATE OF MI OFFICE XXXX XXXX {$33000.00} 4. STATE OF MI OFFICE XXXX XXXX {$5100.00} 5. XXXX XXXX XXXX XXXX {$840.00} 6. XXXX XXXX XXXX {$570.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I placed an order via Amazon on Wednesday, XX/XX/2024 for a XXXX XXXX XXXX for the amount of {$830.00}. On XX/XX/2024 I found a different monitor that better suit my needs ( The XXXX XXXX for {$590.00} before taxes ), so I cancelled that order and placed an order for a different monitor. I received a message indicating that my payment method needed to be revised, so I double-checked to see that my information was correct. I additionally went to see what my balance was. My available balance was correct, however a pending charge for the cancelled order was still showing. On XX/XX/2024, the authorization charge remains on my card unresolved and as a result, I am unable to make a purchase necessary for my job. I have attempted to call customer service to resolve this issue, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were fraudulent. This has been hurting me as I am trying to buy a home for my family and I. Please remove these fraudulent accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I seen some things on my consumer report that are not being reported correctly. I sent a letter to the bureaus and received no response. I am a protected consumer according the FCRA. I will be including the original letter sent to the bureaus, my credit report, and IRS 1099C forms. Here 's the violations in question : 15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report 15 U.S. Code & 1666B Timing of Payments 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code & 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. Also according to 15 U.S. Code 1681a - Definitions ; rules of construction ( D ) Consumer Report section ( 2 ) Exclusions ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) Consumer Report section ( 2 ) Exclusions ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the 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 2024-02-16 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: CA

Complaint narrative:
I seen some things on my consumer report that are not being reported correctly. I sent a letter to the bureaus and received no response. I am a protected consumer according the FCRA. I will be including the original letter sent to the bureaus, my credit report, and IRS 1099C forms. Here 's the violations in question : 15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report 15 U.S. Code & 1666B Timing of Payments 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code & 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. Also according to 15 U.S. Code 1681a - Definitions ; rules of construction ( D ) Consumer Report section ( 2 ) Exclusions ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) Consumer Report section ( 2 ) Exclusions ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
Dear Dispute Department, I wish to dispute the following information found on my Equifax credit report. I was a victim of ID Theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX  Equifax

Company response to consumer: Closed with explanation