vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
FAIR COLLECTIONS & OUTSOURCING Date opened XX/XX/2022 Balance {$10000.00} I sent Fair Collections & Outsourcing a certified letter requesting they validate the debt they placed me in collections for. They've acknowledged reciept and have not provided me debt validation. 

When i call, I am placed on hold until the call is eventually ended on their side. I am given email address to request information from that do not exist. 

I was given the following emails over multiple calls and none of them work or exist. It has been 4 months since first being advised and they have done nothing to try and clear or provide information regarding this debt. 

Emails I was given for my account manager are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My Equifax credit profile is blocked from creditors and lenders. I have contacted Equifax several times to resolve this issue however my profile is still block. Furthermore there is supposedly no freeze on my report however lenders still can't access my credit profile. The lender that is having problems pulling the report is XXXX XXXX XXXX by way of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-05-04 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:
To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not supposed to share my information with third-party people. This is a clear violation of my federally protected consumer rights.

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 2022-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I have had a cash app account for over four years. For the last couple of years I've been buying some bitcoin. And one month ago I decided to transfer some of my bitcoin out of my cash app.

It asked me to verify my account by taking a picture of my drivers license next to my face which I did.

It said that it was gon na take one to two days to complete the verification. I waited about 10 days. I then reached out to support and they said they had my information and that it would take one to two days to complete the verification. I told him I had already waited 10 days. They assured me that it would be done.

I keep getting templated emails from different people that keep telling me they have my information and that it could take up to 72 hours to complete the verification and I have waited much longer than that. 

I have tried to problem-solve this myself by watching XXXX videos and searching on the Internet as to why there is a problem. I even suggested that we upload a new photograph in case the one that I originally uploaded was too blurry to read. I double checked and triple-checked the new photograph and uploaded it via their secure link. 


Every time I contact support they are basically saying the same thing and even though I'm telling them that it's been several weeks that I have been trying to get this accomplished They just come back with a templated email saying that it could take up to 72 hours one time they said it could take up to 10 days. 

This makes no logical sense because what they're telling me that amount of time has already passed and then some. I politely explained my situation and they keep sending me the same types of response and then sign off. I have asked to speak with a manager or a supervisor I have asked them to escalate the case so that we can get this resolved and I feel like I'm talking to a robot. No matter what I say I just get more templated emails. 

I have approximately {$8000.00} USD worth of XXXX in this app that I am unable to access. 

Once again thank you very much for helping me to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I USED TO HAVE XXXX BANK OF AMERICA ACCOUNTS, SAVINGS AND CHECKING, AT BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX FOUND MY BALANCES IN CHECKING ACCOUNT GOING DOWN, WHEN I CALLED CUSTOMER SERVICE.SO I WENT TO THE BRANCH.THE CLERK PRINTED OUT THE STATEMENT.IT SHOWED UNAUTHORIZED CHARGES DEBITS TO MY CHECKING ASCCOUNT BY XXXX NEVER HAD XXXX ACCOUNT WITH XXXX NEVER PURCHASED ONLINE, XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX PURCHASE XXXX XXXX {$14.00} XXXX $ XXXX FILED COMPLAINT WITH FRAUD DEPT.TO INVESTIGATE HOW SOME ONE IN XXXX GOT HOLD OF MY CHECKING ACCOUNT NUMBER AT BANK OF AMERICA.THEY DID NOTHING.THE BANK OF AMERICA SHOULD BE PENALIZED AND MADE TO COMPENSATE ME FOR THIS INCONVENIENCE.OBVIOUSLY, A CRIME HAS BEEN COMMITTED.PERHAPS AN EMPLOYEE IN BANK OF AMERICA PASSED ON MY ACCOUNT NUMBER TO SOME ONXXXX AT XXXXOR SOME ONE AT XXXX MANAGED TO HACK INTO THE BANK OF AMERICA COMPUTER SYSTEM 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 2022-05-04 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2022 I purchased an airline tickets {$3300.00} over the phone through an agent in XXXX a good talker give discounts & says dont worry I can cancel it within 24 hrs if I change my mind. He ask for my credit card for payment I trust him give my new Citi Master Card that has a 15 months 0 Apr for purchases & 0 liability for unautorize purchases. On the XXXX  we changed our mind & called my agent many times to cancel no answer, XXXX nobody can cancel.I email them no responsed. This is wrong so I called Citi customer service told everything & I want to cancel the payment & not authorized it. They give me a new card. After 2 days the payment went through. Call them again give me a lot of reasons why it go thru. So I decided to call XXXX  to get my refund because Citi is not helping & protecting me. Because even I told them everthing what happen & clearly say I dont authorized it they pay the merchant. I went to a lot of stress to get a refund. My agent finally answer my call on XX/XX/XXXX. I did not get the full refund only {$2500.00} on XX/XX/XXXX. I saw I lot of complain online about this XXXX  same what happen to me. So I file a dispute for {$830.00}. Its clearly they doing it to others. They dont answer my calls & emails to expire the 24 hrs free cancellation to get money it intentional. But Citi master card did not help me. And told me I liable for the {$830.00} why should I pay I call & inform them to cancel my payment. And in the letter they sent me they threatened me they will report me to the agency even I pay more than minimum. No good Im the consumer they should protect 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 2022-05-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to buy a house but Equifax outdated information which show me at more that XXXX points at times is hurtful and damaging. Equifax reports my scores much lower than what other actually is!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is incorrect personal information on my credit report. Please delete these incorrect personal information from my credit report. 

According to 15 U.S.C 1681 section 602 A. states i have the right to privacy.

Also according to 15 USC 6802 no financial institution is supposed to share my information to a third party 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.

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect numbers : XXXX XXXX XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX IL XXXX Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # 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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There is incorrect personal information on my credit report. Please delete these incorrect personal information from my credit report. 

According to 15 U.S.C 1681 section 602 A. states i have the right to privacy.

Also according to 15 USC 6802 no financial institution is supposed to share my information to a third party 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.

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect numbers : XXXX XXXX XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX IL XXXX Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Grain Technology, Inc.
State: DC

Complaint narrative:
XX/XX/XXXX sent mail of police report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
I get a c collection call from discover card and I have never split for a credit car with them, then I check my credit report and filing out that I have XXXX credit cards open on my name 1with discover card, one with XXXXl XXXX, and one with cXXXX XXXXXXXX XXXX and I never applied for credit with those credit companys and now I am in collections and my credit score is in the worst situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In according with the Fair Credit Reporting act XXXX Account # XXXX have 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 its also states a consumer reporting agency can not furnish a account without my my written instructions My account name and number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-05-04 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX : Acct # XXXX {$1200.00} Experian : Acct # XXXX {$1200.00} XXXX XXXX Acct # # # # # # XXXX {$1200.00} XXXX  XXXX XXXX XXXX XXXX Acct # # # # # # # XXXX {$370.00} 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
In XXXX, I signed for a certified letter from Credit Management , Inc. In XXXX, I ended up paying off my debt through the doctor 's office. I recently received a letter letting me know that this collector is now garnishing my wages. I tried to work with the company, but they were unwilling to work with me. Garnishing my wages is going to cause me to lose my house. They have not reached out to me in over four years. They said they didn't have a good number or address for me. They were able to get my address from the court, and my phone number is online. They didn't try too hard to get in touch with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 


XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXXL ( Original Creditor : XXXX ) XXXX Balance {$0.00}

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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 


XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: GA

Complaint narrative:
It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX L XX/XX/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 2022-05-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing.

EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation