vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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:
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/DEPT OF ED : Account XXXX Account Name : XXXX/DEPT OF ED : Account XXXX Account Name : XXXX/DEPT OF ED : Account XXXX Account Name : XXXX/DEPT OF ED : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my credit report in XX/XX/2024 and noticed my name was not reported accurately. After XXXX letters were sent ( in XX/XX/2024 and XX/XX/2024 ) the information remains incorrect in my reports today. The consumer reporting agencies need to report all information with complete accuracy. I've attached a copy of my government issues driver 's license, my social security card and proof of address to this complaint. I am now requesting that you update my records showing my correct name as XXXX XXXX XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX Also, please update and remove the XXXX ex-employers XX/XX/XXXX whom I've no longer worked for. Thank you for your understanding and prompt action.

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 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've consistently made sure payments on this account are on time, never allowing them to be overdue. I'm uncertain about why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be rectified.

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 2024-05-03 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: MD

Complaint narrative:
Upon reviewing my Equifax credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.

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 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uplift, Inc
State: FL

Complaint narrative:
In XXXX last year I received notification about a collection account from a company called UPLIFT. The debt was for {$440.00}. I called the company and they advised that the debt was for an airline ticket to XXXX XXXX in XXXX of last year. I advised the company that I had never traveled via XXXX and that I have never gone to XXXX. I was subsequently put on to a collection agency and I advised them of this. They told me that I would hear from them in 30 days. I did not. On XX/XX/year>, I received a notice offering me a payment plan. I called the XXXX number on the notice and spoke with a XXXX who subsequently to my insistence that this debt was not mine hung up on me. 
This debt is not mine. I have my passport to prove that I never traveled to XXXX. I need their collection agency, XXXX XXXX to remove my name from their list of debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: MI

Complaint narrative:
As I previously stated, you have not received and provided me with any proof that you have my written consent or instructions relating TO ANYTHING ON MY CONSUMER REPORT. This directly goes against PERMISSIBLE PURPOSE, WHICH IS LOCATED IN 15 U.S.C. 1681b AND IT STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

PLEASE BE MINDFUL, THAT IF AT ANYTIME AN ACCOUNT THAT CAME FROM IDENTITY THEFT ( WHICH IS LISTED IN THIS DOCUMENT AND ALL OTHER ATTACHMENTS ) APPEARS AGAIN ON MY CONSUMER REPORT, I WILL BE SEEKING {$5000.00} PER ACCOUNT OR PER VIOLATION UNDER 15 U.S.C. 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
As I previously stated, you have not received and provided me with any proof that you have my written consent or instructions relating TO ANYTHING ON MY CONSUMER REPORT. This directly goes against PERMISSIBLE PURPOSE, WHICH IS LOCATED IN 15 U.S.C. 1681b AND IT STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

PLEASE BE MINDFUL, THAT IF AT ANYTIME AN ACCOUNT THAT CAME FROM IDENTITY THEFT ( WHICH IS LISTED IN THIS DOCUMENT AND ALL OTHER ATTACHMENTS ) APPEARS AGAIN ON MY CONSUMER REPORT, I WILL BE SEEKING {$5000.00} PER ACCOUNT OR PER VIOLATION UNDER 15 U.S.C. 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
As I previously stated, you have not received and provided me with any proof that you have my written consent or instructions relating TO ANYTHING ON MY CONSUMER REPORT. This directly goes against PERMISSIBLE PURPOSE, WHICH IS LOCATED IN 15 U.S.C. 1681b AND IT STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

PLEASE BE MINDFUL, THAT IF AT ANYTIME AN ACCOUNT THAT CAME FROM IDENTITY THEFT ( WHICH IS LISTED IN THIS DOCUMENT AND ALL OTHER ATTACHMENTS ) APPEARS AGAIN ON MY CONSUMER REPORT, I WILL BE SEEKING {$5000.00} PER ACCOUNT OR PER VIOLATION UNDER 15 U.S.C. 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and aXXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-05-03 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I want these inquiries to be deleted because I did not authorize these companies to run my credit. Ive attached the report with all companies names and dates.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Your American Express Account XXXX American Express Customer Service Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear American Express Customer Service, I am writing to address a concerning matter regarding the recent closure of my American Express account and its inaccurate reporting on my credit report. It has come to my attention that my account was closed due to inactivity, which is not the case. The closure was initiated by American Express because I did not complete a verification of income by allowing your institution to confirm my bank account 's beginning and ending balance over the phone. I want to emphasize that this closure was not due to neglect or lack of activity on my part. Rather, it was a result of my refusal to comply with the verification process, which I believe to be an unnecessary invasion of privacy that violated my federally protected consumer rights. I have already communicated this stance to the Consumer Financial Protection Bureau ( CFPB ), and American Express has confirmed this during their correspondence with the CFPB so Im unsure why you would post FALSE INACCURATE information to my consumer credit report that violates FCRA. Despite the closure of my account, I have remained in compliance with the terms outlined in your SEC prospectus by continuing to mail in my registered securities by the due date, addressed to the indenture trustee of your company and my act will show no balance due at this time. This practice ensures that I fulfill my obligations as outlined in the securities exchange commission prospectus. I am requesting that American Express reinstate my account and restore my credit limit to its previous level. Furthermore, I expect that my account status be updated to reflect the accurate reason for closure, as confirmed by your institution and the CFPB. Failure to address this matter promptly and satisfactorily will leave me with no choice but to take further action. This includes completing an IRS Form XXXX to revoke your power of attorney for all years and periods, as well as reporting this issue to the Internal Revenue Service ( IRS ), the Securities and Exchange Commission ( SEC ), and pursuing legal action as necessary. I trust that American Express will rectify this situation in a timely manner and restore my account to good standing. Your prompt attention to this matter is appreciated. Sincerely, XXXX XXXX attached is the proof of the inaccuracies reporting on my credit, the original cfpb complaint where AMEX admits the real reason for the account closure ( not due to inactivity on my behalf ) also my account indicated that no payment is due at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-05-03 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I want these inquiries to be deleted because I did not authorize these companies to run my credit. Ive attached the report with all companies names and dates.

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 2024-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX XXXX, 2024 at XXXX AM - XXXX $ is sent from my boss XXXX but I am not able to cash out the amount to the bank to cover overdraft fees. This leads me to incur XXXX $ in overdraft fees that week due to a disruption in my cashflows for the week or XXXX weeks. 

I uploaded my XXXX passport multiple times at the beginning and present date of using cashapp. I either get a no response, XXXX or deflection from XXXX issue onto a non-existing issue.

XXXX XXXX, 2024 - I called cashapp customer support ( can't communicate through app because phone not working ). I was misled for XXXX and told I can not record calls or they automatically hangout. I record call and do not tell them I am recording. I either get a no response, XXXX or deflection from XXXX issue onto a non-existing issue. 

I also suspect my data from pictures is being used against my consent to build a profile and there are agents purposefully acting against me as this is not a first time encounter across different money XXXX XXXX Providers I currently have no money available to me except the XXXX $ locked up in my cashapp account. I can not cashout to my bank because it has a debt of XXXX $ due to a snowball effect of reasons that originate from the XX/XX/XXXX incident and loss of face with my boss a couple of times, leading them to lay me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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