vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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: TX

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a secured Long opened at XXXX XXXX XXXX. Car Loan Collection Opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). A Rental Agreement Collection Opened at XXXX, XXXX on XX/XX/XXXX Account number ( XXXX ). A credit card collection opened at XXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consume credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: OH

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate an incomplete credit information.

15 USC 1681e ( b ) Compliance and 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

I demand that the allowing account be validated or DELETED from my TransUnion Credit Report immediately : 1. CREDIT COLLECTION SERVIC In addition, DELETE all non-account holding inquiries over 30 days old.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: GA

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account XXXX and 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 non-monetary relief
Consumer complaint received 2024-10-30 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: GA

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX Account XXXX and 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 non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX- Discover has now closed this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: ASAP Credit Repair
State: TX

Complaint narrative:
On XX/XX/year> I signed an agreement with ASAP  Credit Repair to perform credit repair services. The XXXX XXXX XXXX would include XXXX rounds. I paid an upfront fee of {$140.00} and then a remaining balance of {$550.00}. I paid them a total of {$690.00} for their services. On XX/XX/year> I received email confirmation from XXXX  that the XXXX round had been submitted. After this I didnt receive any follow ups so I contacted them on XX/XX/XXXX I received confirmation my XXXX round had been submitted and I was told my XXXX and final round would be submitted on XX/XX/year> and final result should be received in by XX/XX/year>. 

Between XX/XX/XXXX through XX/XX/year> I received no follow ups or communication from them. 


On XX/XX/year> I sent an email and spoke via phone to their customer service rep about getting a full refund. Because no resolution had been provided. No updates or overview were provided to me for the remainder of the service. As it turned out the XXXX round was never completed. XXXX  only serviced me for XXXX round and after they received my final payment, they completely forgot about me and my account. 

Ultimately, I dont believe I received a fair service from ASAP  Credit Repair XXXX I was charged hundreds of dollars for practically no service at all. After learning about CROA Ruling : No payment in Advance I chose to file a complaint in hopes of informing anyone who is thinking about signing up for their services. As per XXXX XXXX XXXX XXXX XXXX ruling : XXXX  must fully perform the promised services before receiving payment. 


I tried talking to XXXX  and got nowhere with them. Every response I received from their customer service was very XXXX sided. It felt like I was talking to a machine instead of a person. The communication did a complete XXXX in comparison to how I was initially greeted. I have disputed the claims with my bank to no avail. Next steps will be to seek legal counsel which will take time and money. 

I hope this serves as a warning to anyone. A deterrent for scams such as these. I can honestly say Ive learned my lesson.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I performed XXXX transfers from my domestic personal XXXX checking account to my U.S. Bank business checking account. I performed the transfers from the U.S. Bank interface. The funds transfer web page did not indicate that these were going to be wire transfers. 
There was no indication of the type of transfer and no fees mentioned on the web page. I thought I was doing XXXX  transfers because no fees were mentioned and the webpage says the transfer will take XXXX business days. Then, a few weeks later U.S. Bank charged by account {$56.00} in wire transfer fees. When I notified U.S. Bank that those transfers were expected to be XXXX transfers and their their funds transfer page DOES NOT indicate that the transfer are wire transfer and have wire fees, U.S. Bank still refused to refund the fees. 

I have simulated another transfer and attached XXXX screen shots to demonstrate that the U.S. Bank funds transfer page on my account DOES NOT indicate any fees associated with the transfer. It DOES NOT indicate that these are wire transfers. And it shows that the transfer will complete over XXXX or more days, which would lead a customer to assume that this is not a real time wire.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I noticed accounts listed on my credit report that is not accurate or may belong to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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:
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 XXXX 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 2024-10-30 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: EQUIFAX, INC.
State: GA

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing a complaint against LVNV Funding, LLC because they have not corrected this account that appears on my [ XXXX, XXXX, XXXX ] consumer report. I provided LVNV Funding, LLC proof that I am a victim of fraud and identity theft. They have failed to remove this account from my credit report. This is a violation of the FDCPA and FCRA. I provided them with a completed Fraud and Identity Theft Affidavit and proof of residency of the time of this alleged account was opened. As mentioned in my affidavit, my information was stolen from the many recent data breaches and someone is using my name with different addresses to open accounts fraudulently. I have never lived in Texas or the address LVNV Funding, LLC has on file. I ask the CFPB to investigate this company. They are asking me to file a police report, however, I dont know who hacked me and stole my identity. I provided the same information to other creditors, and they removed the fraudulent information from my credit report. I ask that LVNV Funding, LLC remove this account from my credit report and comply with the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I ordered a XXXX XXXX XXXX XXXX XXXX XXXX. I received a fraud alert on before I even received the credit card. I called Barclays who holds the card and they told me to destroy the card when it arrives and they will send a new one. I never received the original or the replacement card. I called monthly and explained the situation I was told they would correct it and get a new card to me asap. After about a year of calling in to no avail I stared receiving a charge for annual dues for {$99.00} dollars. I continued to call asking for help explaining I never received the card, there has never been a charge on it and I should not be responsible for dues until I receive the card the person always agrees tells me not to worry the {$99.00} and they will get a new card to me. I explained the situation and I keep getting the same story I asked to speak to a XXXX but none were ever available. In XXXX I received another email saying I owed {$99.00}. I was told they had been turning me in to collections and I had to pay or cancel the card to stop the charges. I recently took out a loan for a new vehicle and they stated my credit rating dropped from mid XXXX to XXXX because of a Barclays unpaid bill. I called several more times to correct the situation been placed on hold, dropped calls, no mgr available, on and on, lncluding call back on XXXX. I am. Small business owner and have very little free time so you can XXXX my frustration and amazement how a company that large can be so inefficient and then turn me in for a service they never provided. I finally made contact with a XXXX after a I dont know how many more phone calls, transfers and dropped calls. I was given a dispute number and told someone would contact me shortly. Its been XXXX weeks they have not reached out and my new loan interest rate went from XXXX to XXXX Which will probably cost me an additional XXXX or {$10000.00} over XXXX year loan. I dont believe I should be be responsible for the {$99.00} charge as I have never received the credit card after XXXX year of trying. Theyre in inability to solve the problem has been stressful, time-consuming, and has ruined my credit. I am reaching out to you because I dont know where else to turn. I will next reach out to the Better Business Bureau and then the state Attorney General. I run a very successful business, I also invest in real estate and the whole time them telling me not to worry about the {$99.00} and then turning me in for bad credit is just insane to me. 
.

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 2024-10-30 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: MI

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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 XXXX 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 2024-10-30 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: Block, Inc.
State: MS

Complaint narrative:
My card fell on the street and was used without my permission because they even skipped my pin or something. I was planning to go inside a store and use an offer on the card but lost the card. Cash App would not help me get my money back at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive had several times removed from my credit and those negative items was the reason why my score was so bad and now after having those items removed Experian XXXX XXXX and XXXX has refused to adjust my score causing significant damage to my credit history and hindering future purchases and offers made to me as a consumer. I have even been threatened by employees from all XXXX  companies that constantly calling them will not change anything XXXX refuses to remove the items bankruptcies and the others have and they all refuse to verify their methods or verification as I requested several times before

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 2024-10-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief