vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I reached out to Cash App to discuss a transaction upon verifying my identity I gave the representative my legal name which is " XXXX XXXX ''. He proceeds to ask other identifying questions which I answered. The rep then tells me my name doesn't match. So we go back and forth. He tells me to go to my laptop and login into Cash App through the web browser and download the original application, which should show me the legal name I used to open the account. I did that, it was an XXXX spreadsheet that downloaded. I located the legal name section and my name " XXXX XXXX '' was there. I tell the rep again. He puts me on hold and comes back and says he can't help me anymore and hangs up on me. This was a Friday evening so I couldn't get anyone back on the phone until Monday. But on Saturday I tried to reach out to the 24/7 online support. I told them what happened they couldn't help. So, Monday comes XX/XX/2022 I called Cash App again XXXX, you have to wait for someone to call you back. The first rep that call back did the exact same thing as the rep did on Friday but he was yelling in the phone " THERE IS NOTHING MORE I CAN DO FOR YOU '' I call back again the second rep was nicer he tried to help but kept telling me my name did not match. All I am trying to do is figure out how I can get my name situation resolve. No one can tell me who, how or why. I even asked to upload my birth certificate and driver 's license. I do not know what system they are looking at but through Cash App 's own instructions I downloaded the original application with my correct name on it and still could not get any help. This has been very frustrating, not to mention not knowing if someone is trying to hack my Cash App and getting yelled out by reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Original complaint ID XXXX Submitted on XX/XX/2022 Improper use of my report - Unauthorized inquiries reported. 
Requested items be deleted. 

On Saturday, XX/XX/2022, XXXX XXXX, Experian XXXX wrote : XXXX XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for seven years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, www.experian.com/extendedfraudreport or by calling XXXX XXXX XXXX XXXX. 

If you prefer to write to us, indicate that you are a victim of fraud requesting your free credit report and send us all of the following information : 1 ) Your full name including middle initial and generation ; 2 ) Social Security number ; 3 ) complete addresses for the past two years ; 4 ) date of birth ; 5 ) government issued ID card, such as a drivers license, state ID card, etc. ; 6 ) utility bill, bank or insurance statement, etc. Send copies of any documents you provide. Mail your request to Experian, XXXX XXXX XXXX XXXXXXXX, Texas XXXX. 

You may access a more detailed statement of your rights online at www.experian.com/fraudrights or by calling 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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never missed any payments on all of my accounts AND they are all up-to-date. My score went up at the other 2 credit bureaus but TransUnion made an error and removed XXXX points, for no reason, overnight. My score was XXXX at TranUnion and overnight the XXXX employees removed XXXX points for no reason and without cause. The other agencies reported that everything was on time and no negative items were reported. Transunion decided to report incorrect information that did not fit the information on my report and removed XXXX points overnight. My score was XXXX they now reported XXXX received alerts from all the other bureaus about what TransUnion reported. I even called them and they said nothing changed however they lied and secretly removed XXXX points.

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 2022-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
there are 5 inquries on my transunion report in which i have no knowledge about. i did not authorize these and they are refusing to remove them even though they acknowledged that they are fraudulent. please remove XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 I KNOW FOR A FACT THAT THESE ARE NOT MY INQUIRIES AS I HAVE NO APPLIED FOR ANY RECENT CREDIT PLEASE REMOVE ALL THESE INQUIRIES AS IT IS EFFECTING MY PERSONAL SCORE AND THE DETERMINATION OF IF I WOULD LIKE TO GET CREDIT ONE DAY.

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 2022-06-06 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: 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. 
XXXX  Accounts listed 
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



, has violated my rights. 

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 cannot 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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022 Credit file confirmation number XXXX I discovered Acct # XXXX *XXXX  XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX Acct # _ XXXX XXXX XXXX XXXX had been re-inserted into my credit file. These accounts were previously deleted on XX/XX/2022 confirmation number XXXX. XXXX removed File confirmation number XXXX Per the FCRA Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. '' Please delete these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have new and updated information concerning TransUnion. I have previously complained of TransUnion 's illegal conduct under ID # s XXXX ; and XXXX. This is my XXXX attempt to get TransUnion to publish my consumer report in accordance with federal laws. TransUnion has failed to conduct their required investigation in accordance with federal laws; failed to provide the details of their alleged investigation relating to items published on my consumer report; failed to delete items in accordance with my written instructions as the consumer ; and continues to publish my personal information to third parties outside the scope of my consent thereby violating my privacy rights. TransUnion is in violation of my rights as a federally protected consumer.

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 2022-06-06 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Tried to find out why my credit report from Equifax called in on XXXX has not been sent as of XXXX. I called them but was not able to understand the person who had a lot of background noise and a heavy accent. Would not identify where they were located.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account XXXX Amount {$1200.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Violation. The company XXXX XXXX failed to inform all 3 major credit bureaus to mark the account as disputed the day received the letter XX/XX/XXXX Informed the bureaus days later. 

As of today is XX/XX/XXXX According to the FDCPA if a debt collector failed to verified debt after 30 days MUST be deleted. 

Should you remaining this account information upon receiving this message, I will fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2022-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
My lease with US Bank, XXXX XXXX, ended in XX/XX/XXXX. I elected to purchase the vehicle. I purchased the vehicle in XX/XX/XXXX using a separate lender. Each year, I was invoiced for property taxes on the leased vehicle ( XXXX XXXX XXXX XXXX ) and each year, I promptly paid the property tax bill. The bill I paid on XX/XX/XXXX for property taxes paid by the lessor ( US Bank ) was in the amount of {$740.00}. After purchasing the vehicle, I began to receive harassing phone calls from US Bank claiming I owed the {$740.00} in property taxes. I have spent hours and hours on the phone with multiple employees of US Bank and here is what I have been told : ( 1 ) my XX/XX/XXXX was mis-coded by a US Bank employee ( 2 ) US Bank blindly pays all invoices and US Bank mistakenly paid my property taxes 2 times ( i.e. US Bank decided to pay the State of MIssouri for my property taxes twice, ( 3 ) US Bank believes I should pay them for their mistake of paying a property tax bill twice but not to worry because next year I will likely get reimbursed when they " go through their audits. '' These actions are so egregious I feel I have no choice but to seek resolution through the CFPB.

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 monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account # # # # # XXXX Amount {$1200.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Violation. The company XXXX XXXX failed to inform all 3 major credit bureaus to mark the account as disputed the day received the letter of XX/XX/XXXX Informed the bureaus days later. 

As of today is XX/XX/XXXX According to the FDCPA if a debt collector failed to verified debt after 30 days MUST be deleted. 

Should you remaining this account information upon receiving this message, I will fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: 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. 
XXXX  Accounts listed 
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  has violated my rights. 

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 cannot 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 non-monetary relief
Consumer complaint received 2022-06-06 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: 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. 
XXXX  Accounts listed 
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 has violated my rights. 

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 cannot 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 2022-06-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I DIDNT GIVE THESE COMPANIES AUTHORIZATION TO RUN MY CREDIT REPORT. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN

Complaint narrative:
XXXX XXXX who works for Kinum IncXXXX and has claimed other company names, has called to collect a debt exceeding $ XXXX that he claims is owed by my Mother, who is a senior citizen with memory issues. He was rude, threatening, and spoke horribly to her resulting in severe anxiety and fear - HE WAS VERBALLY ABUSIVE TO HER. He then called me and had the same tone about a " debt '' that was never owed or delinquent, and has been resolved by the pharmaceutical company, XXXX XXXX XXXX ( contact VP XXXX XXXX - XXXX ) I'd like to file a complaint on all of the companies that XXXX claims to work for as well as XXXX himself. He states a various company names when he introduces himself : XXXX XXXX is the most recent : Kinum , Inc. ( XXXX ) XXXX XXXX XXXX # XXXX XXXX, IN XXXX Kinum, Inc. ( XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX XXXX balance {$810.00} Open- XX/XX/XXXX XXXX Account Number- XXXX balance {$520.00} Open- XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$100.00} Open- XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$8200.00} XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
In XXXX XXXX my bank account was closed by HSBC without properly informing me and telling me why or what reasons they had to closing my account. Ive never had a returned check deposits or a negative balance. Ive called several times asking the bank for the reason of this action since I had just opened my account with them the previous month, and with no notification closed my account with my funds held by this bank. It is now XX/XX/2022 Ive called them and filed a XXXX financial hardship and there department still doesnt have a proper response. I am asking for help since I am running out of patience and dont wan na loose my composure do to my bills arent getting paid and is accruing late payments that are stacking up as I write this message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/22 I submitted payment in the form of remittance, tendered or coupon payment for the amount of {$14000.00} to my XXXX XXXX XXXX XXXX account which NFCU received on XX/XX/22. XXXX weeks later, I followed up via telephone call to see if coupon was received and if it was credited to my account. When speaking with a supervisor, he stated " the coupon you sent in is not a form of payment we accept or will honor ''. However, coupon payment is a form of legal tender. According to U.C.C 3-603, ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.Also, under EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256. If the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or sum

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation