vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Companies Involved : XXXX, Equifax and XXXX. 
Over one year ago I noticed a filed bankruptcy paper on all three of my credit reports. Immediately I began contacting the agencies about the problem. Upon XXXX disputes these XXXX items are still present on my report. This matter has affected me and my family dramatically. I'm unable to get employment in my line of work, Housing etc. Under the FCRA act all three agencies must remove in accuracies. 
( XXXX ) Bankruptcy XX/XX/XXXX reference number # XXXX ( XXXX ) Bankruptcy XX/XX/XXXX reference # XXXX I've contacted the court to verify they told me they could not give out that information. 
If not resolved my next step will be a lawsuit with small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Companies Involved : XXXX, XXXX and Experian. 
Over one year ago I noticed a filed bankruptcy paper on all three of my credit reports. Immediately I began contacting the agencies about the problem. Upon XXXX disputes these XXXX items are still present on my report. This matter has affected me and my family dramatically. I'm unable to get employment in my line of work, Housing etc. Under the FCRA act all three agencies must remove in accuracies. 
( XXXX ) Bankruptcy XX/XX/XXXX reference number # XXXX ( XXXX ) Bankruptcy XX/XX/XXXX reference # XXXX I've contacted the court to verify they told me they could not give out that information. 
If not resolved my next step will be a lawsuit with small claims court.

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 2023-06-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LCS FINANCIAL SERVICES CORPORATION
State: FL

Complaint narrative:
My account was garnished for XXXX dollars. This account is my bills payment account with XXXX XXXX. I was not informed that my account was frozen by the bank until I tried to use my bank card. When I went to the bank they informed me to contact an attorney. They did not inform me that my account was frozen. The bank did not communicate with me. I was told by XXXX XXXX in XXXX XXXX, FL that they can not do anything for me. They said that I should hire an attorney. This garnishment by XXXX XXXX XXXX XXXX for LCS Financial Services court case number XXXX XXXXXXXX due to a loan that I did not procure. Now I have no access to my bills bank account. I am out of XXXX dollars that was in my XXXX account. I have not gotten a letter until XX/XX/2023. I feel abused this is now an abusive debt collection practice that has contributed to a number of fears about my ability to meet my financial responsibilities, to marital instability, and to invasion of my individual privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: MA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX  XXXX XXXX Balance : {$2000.00}

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 non-monetary relief
Consumer complaint received 2023-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX  XXXX XXXX Balance : {$2000.00}

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 non-monetary relief
Consumer complaint received 2023-06-10 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX XXXX XXXX Balance : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: MA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering err oneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX 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 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 2023-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: UT

Complaint narrative:
I had a total of {$14000.00} taken from me through unauthorized fraudulent charges made on my CashApp cash card. The first charge was on XXXX XXXX & the last one made before I discovered that my card was missing & that the charges had been made was on XX/XX/2023. I immediately contact CashApp support & canceled my cash card & filed disputes for each transaction. They approved some of the disputes, & credited my account for some of them, returning approximately {$4700.00} of the funds to me. However they then denied the other disputes & kept the remaining {$10000.00} & then conveniently decided to close my account. They refuse to give me any further information or resolve this matter & I had spoke with the merchant that the charges were made to & they had notified me that they would not counter the disputes so that I would be able to get my money back. However, Cashapp never even submitted them or investigated that or anything they just automatically denied them & kept my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: MD

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX 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 XXXXXXXX

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 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Since XXXX, we have had an Equity Line of Credit account that was initially opened with Washington Mutual but has been with JP Morgan Chase Bank since Chase purchased WAMU. One of the features with this account was a no-fee checking account. In XX/XX/XXXX, Chase sent us a letter explaining that our checking account would automatically become a " Premier Plus Checking Acount '' on XX/XX/XXXX. We were told in the letter that this new Premier Plus checking account would be exactly the same as our previous account with only one BIG difference : there would now be a {$25.00} monthy service fee! There was no decent reason given for the new large fee ( other than possibly " Greed! '' ) and thus far this year, Chase has netted {$150.00} in fees from us for doing nothing more than they ever have since assuming the account from WAMU. We believe this is a clear violation of the original terms of our original Equity Line of Credit Account agreement we signed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: MS

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/XXXX I paid an apartment rental application fee of {$52.00} with XXXX XXXX Apartments in XXXX, XXXX. The apartment told me they have an apartment ready, Id just need to fill out the application and pay the {$50.00} fee. After filling out the application and paying the fee, they told me the apartment was no longer available and they rejected my application. I put a hold on my application fee through my bank until I was able to get a hold of the XXXX that same day to understand why the apartment was no longer available. Once I spoke with them, I released the hold from my bank the same day and they received their money of {$52.00}. This left my balance at {$0.00} with XXXX and I did not rent with them. 
XXXX sold my debt to a collection agency after it was fully paid off on XX/XX/XXXX. Basically, they got paid on it twice but sold it as a debt of {$120.00}. They claimed the bank charged them a {$75.00} fee for the dispute that was resolved in the same day. They did not provide any proof of the chargeback amount they allegedly received from their bank. 

I went to the apartment and they gave me a print out of my statement showing a balance of a {$0.00} as of XX/XX/XXXX. 

In conclusion, I paid the {$52.00} application fee and the XXXX at XXXX provided me evidence of a {$0.00} balance. However, they are telling the collection agencies and the credit bureaus otherwise. I have provided copies of my bank statement and copies of the statement from XXXX but nothing is being resolved. 
I am feeling desperate to get some help on this issue as this is effecting my credit and my rental ability. I have fully paid off my debt before it was ever with the collection agency. This is becoming really frustrating and it feels like I am not getting anywhere with anyone, especially XXXX XXXX Apartments. Ive reached out and stopped by to try and correct this issue. They refer me to contact by phone. Ive left messages and called numerous times to no avail. 
Please let me know if I can provide any additional evidence to resolve this in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I purchased a set on sofas with interest for XXXX months. So before we start paying interest we payed the whole amount to synchrony Bank and they assured that my account was on XXXX with no any interest or fees. This happened XXXX months ago. In the meantime i was getting calls from them and emails for payments of the same account I already payed. I called the bank XXXX times, I talked to the managers and supervisors and they said that it was fixed but still I owe money. Also, the XXXX time I called, they said that they created a dispute to this case and will be fixed but the first week of XXXX, I called yesterday XX/XX/2023 and now they said that it will take longer than a month. But it is affecting my credit record, that are calling me for paying.

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 2023-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I found a fraudulent charge on my bank statement showing cash app with a name I did not recognize. I almost rarely use cash app. The only time I ever use cash app is to send to a XXXX which is a delivery service locally near me. I filed a dispute with my bank and they denied my dispute stating that I need to address it with cash app. I researched the so called name next to the cash app name on my statement and it looks like its a fraud account, scamming people online using con artist schemes and blackmail promotion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
XXXX XXXX, XXXX and XXXX have stolen information and is reporting it. 

As per 15 USC 1681 law, above companies are performing defamation of my character by stealing information and reporting incorrect info. This has caused a tremendous hardship to purchase my home and achieve my American  Dream thus it cause mental break down to me and my family. I have worked so hard to work, save and purchase a property to see these companies enrich with my information and misuse, and miss handling them. 

Please update my report immediately and remove incorrect XXXX XXXX and Sunrise Credit services on behalf of 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 2023-06-10 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: OH

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2023-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX

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 2023-06-10 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: MD

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Late payments being furnished on consumer reports are illegal according to 15 USC 1681a 2d ( a ) ( i )

Company response to consumer: Closed with explanation