vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account from all three credit reporting agencies due to the violations : XXXX XXXX - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding an ongoing issue with my Cash App account that began on XX/XX/year>. Here are the details : Initial Problem : On XX/XX/year>, I received an email notice of a {$250.00} deposit into my Cash App account. However, I was unable to open the app on my phone to access my account. 

First Contact with Support : After several unsuccessful attempts to open the app, I contacted Cash App support on XX/XX/year>. A customer support agent advised me to delete and reinstall the app on my phone. They also performed an advanced configuration on my phone, which allowed me to open the app but not access my account. 

Second Attempt to Access Account : On XX/XX/year>, I tried to access my account again, but the app stated it couldn't verify my identification. 

Repeated Attempts : On XX/XX/year>, I made seven attempts to access my account, all unsuccessful. The app then advised me to create a new account and add the profile I couldn't access to my phone. I followed these steps but was still unable to access my account. 

Further Contact with Support : On XX/XX/year>, I contacted Cash App support again, explaining that I had gone through all the necessary steps to access my account. They advised me to order a new debit card for the new account and verify my identity via my driver 's license and a photo submission to Cash App for verification. I completed the verification process and received a text stating my verification was complete. However, when I called support again, the agent informed me that access to the account was denied and my funds would remain inaccessible. 
Escalation and Email Support : I requested the issue be escalated to a manager. The support agent put me on a brief hold and then informed me that I would be contacted via email. On Saturday, XX/XX/year>, I received an email from an AI email support system requesting the same security information I had previously provided to other support agents. I supplied the requested information, including screenshots of Cash App debits and credits from my connected checking account. Despite following the same steps to connect my old account to the new account, I encountered the same issue. 

Throughout this period, Cash App has not provided any effective resolution, leaving me without access to my funds. The total amount of funds I am unable to access is {$250.00}. This situation has caused significant frustration and inconvenience. I am seeking your assistance to resolve this matter and regain access to my funds as soon as possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX, XXXX and TransUnion all three have incorrect information and or have not deleted information from my credit report as they should have. One might have deleted it but the other two has not deleted it. My credit is up and down and will not get better until the three reporting MY CREDIT on an even basis. As one example, TDS was paid off but it's still on my reports for two of the listed above but it was taken off the other.. This is not the only one. Also I have requested from all three reporting agencies that the phone numbers, addresses and employment that they have and are showing to be removed. These things are not mine, I do not own them and they have nothing to do with me. The only address I have is the one I'm paying rent for, the only phone number I have is the one I pay for and I don't have a job at this point in 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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian, XXXX and XXXX all three have incorrect information and or have not deleted information from my credit report as they should have. One might have deleted it but the other two has not deleted it. My credit is up and down and will not get better until the three reporting MY CREDIT on an even basis. As one example, TDS was paid off but it's still on my reports for two of the listed above but it was taken off the other.. This is not the only one. Also I have requested from all three reporting agencies that the phone numbers, addresses and employment that they have and are showing to be removed. These things are not mine, I do not own them and they have nothing to do with me. The only address I have is the one I'm paying rent for, the only phone number I have is the one I pay for and I don't have a job at this point in 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 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I pulled a copy of my credit report and noticed Fraudulent inquiries that need to be immediately DELETED on grounds of IDENTITY THEFT, and Personal information that needs to be immediately UPDATED. Pursuant to 15 USC 1681c-2 I DID NOT originate nor authorize the following Inquiries.

Also, Pursuant to 15 USC 1681s-2 and 15 USC 1681e ( b ) please update the following personal information as well. DELETE AKA : XXXX, XXXX, XXXX XXXX XXXX XXXX 
DELETE FORMER NAME : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. DELETE FORMER ADDRESS : XXXX XXXX XXXX, XXXX XXXX ADD NAME : XXXX XXXX XXXX. DELETE INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. SEE FTC ATTACHMENT

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 2024-05-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I pulled a copy of my credit report and noticed Fraudulent inquiries that need to be immediately DELETED on grounds of IDENTITY THEFT, and Personal information that needs to be immediately UPDATED. Pursuant to 15 USC 1681c-2 I DID NOT originate nor authorize the following Inquiries.

Also, Pursuant to 15 USC 1681s-2 and 15 USC 1681e ( b ) please update the following personal information as well. DELETE AKA : XXXX, XXXX, XXXX XXXX XXXX XXXX 
DELETE FORMER NAME : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX DELETE FORMER ADDRESS : XXXX XXXX XXXX, XXXXXXXX XXXX  ADD NAME : XXXX XXXX XXXX. DELETE INQUIRIES : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. SEE FTC ATTACHMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WA

Complaint narrative:
I am writing to file a complaint regarding Nissan Finance 's handling of traffic citations associated with my leased vehicle. On XX/XX/2024, I was charged by Nissan Finance for two traffic citations. Nissan Finance paid these citations on my behalf and then added the full amount to my bill.

I was not informed of these citations beforehand and received no notification or letters. Nissan Finance reported to the court that they owned the vehicle, which prevented any correspondence from being directed to me, the lessee. As a result, I was unable to contest or defer payments for these citations. 

Had I been informed of the citations, I could have contested them and potentially avoided paying the full amount. Nissan Finance 's actions have left me without any recourse, as they paid the citations directly and charged me the full amount without giving me the opportunity to handle the matter myself. This feels akin to extortion.

When I contacted Nissan Finance 's customer service, I spoke with a manager ( ID : XXXX ) who confirmed this practice. I have also submitted a complaint with reference number XXXX and intend to pursue this matter in small claims court. 

I seek assistance in resolving this issue, as Nissan Finance 's actions are unfair and have caused undue financial burden. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX ss # XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX ca XXXX Account name XXXX XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/2024 stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States XXXX XXXX indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company XXXX XXXX XXXX never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code

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 2024-05-21 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX ss # XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX Account name XXXX XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/year> stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States XXXX XXXX indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company XXXX XXXX XXXX never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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. 

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 2024-05-21 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: IL

Complaint narrative:
SEE ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I reached out to the company as I the bi-weekly payment is astronomical. I pay more than {$600.00} a mo. on a {$3000.00} loan. 

In my contract, I saw there was no interest rate. That makes it more like a payday loan. They charge a fee plus fee. I pay more to them than my XXXX dollar car. 

I asked if they had a conversion option. Something that would roll it into a interest loan so I could start paying it down. 

They said no and if I didn't make my payment, they would garnish my wages. End of story. 

Sadly, my financial situation changed. I am now sole supporter for my household and can not afford this. I fear default is my only option. They won't work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Disputed Collection Account - XXXX To Whom It May Concern : The following collection has violated my federally protected consumer rights. 

I am writing to dispute the collection account that is erroneously appearing on my credit report. This alleged debt from XXXX was sold to XXXX XXXX XXXX, but I never signed any agreement authorizing this debt or collection actions. 

Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector may not use unfair practices when collecting a debt, including falsely representing the character, amount, or legal status of the debt ( 15 U.S.C. 1692e ). Furthermore, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies must ensure maximum possible accuracy of the information contained in a consumer 's credit report ( 15 U.S.C. 1681e ( b ) ). 

Since I never agreed to or authorized this alleged XXXX debt via any signed contract or agreement, any collection actions are invalid. The collection account on my credit report is therefore inaccurate and must be removed immediately, in accordance with the FCRA 's accuracy requirements. 

Reporting information that you know or have reasonable cause to believe is inaccurate and failing to correct inaccurate information after notice is a violation of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ) ). 

If you do not promptly remove this collection account from my credit report, I will have no choice but to file a lawsuit against for violations of the FCRA and FDCPA and seek actual damages, statutory damages, and attorney 's fees. 

To protect my rights under federal law, I demand that you remove the inaccurate XXXX collection account from my credit report within 30 days. I look forward to your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief