vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
Over XXXX XXXX XXXX there have been repeated incidents of an unknown individual banging on my door while I was not at home. Each time, my son, who is under XXXX XXXX XXXX, was home alone and became very nervous and scared due to the persistent behavior of this individual. 

- **First Incident** : ( XXXX XXXX ) The man knocked on the door when my son was alone. My son did not open the door as he is instructed not to. The man refused to leave when my son asked for his identity and purpose. The man insisted on speaking with me and demanded that someone open the door, stating he would not leave until then. 

- **Repeated Visits** : This scenario repeated multiple times. Despite my son informing the man that he is under XXXX and can not open the door, the man insisted he sounded older and continued to refuse to leave. 

- **Final Incident** : ( XXXX XXXX ) On the most recent occasion, my son called me again, very nervous and upset by the man 's refusal to leave and persistent banging on the door. I instructed my son to answer the door. I then spoke to the man over the phone, informing him that I was not home and would be back later. The man claimed he had the authority to serve a minor and insisted my son appeared older than XXXX. Despite being told my son is only XXXX XXXX XXXX, the man handed him paperwork and left. 

I reached out to the debt collector law firm to discuss recent events and seek clarification on several points. During our conversation, they informed me that, in the state of Arizona, it is legal for a minor to be served with legal documents. 

I also requested debt verification and confirmation of the service. They assured me that they would email the necessary information. However, I did not receive any follow-up communication or documentation as promised. 

On XX/XX/XXXX, I received a letter from the law firm stating that I have 10 days to resolve the matter. This was the first contact since our initial conversation, and I am concerned about the lack of prior communication and the short notice provided in the letter. 

This behavior has caused significant distress to my son and raises serious concerns about the methods employed by the individual. Immediate attention and action are requested to address this matter appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-15 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX ( Account number : 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 2024-06-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/year> I received an updated copy of my credit report and I was stunned at how many accounts that were listed inaccurately. I have never conducted business with these companies and I believe that their information is completely inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the companies listed on my report multiple times. According to 15 USC 1692G they are required to notify with evidence of this alleged debt. I believe they have stolen my non public information from somewhere and Now attempting to ruin my creditworthiness. I want these accounts investigated immediately. Any evidence retrieved from the investigation I want sent to me through the CFPB complaint portal to avoid any interruptions with the documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I took a look at all XXXX of my credit reports and discovered inquiries that are not mine. I have contact the credit bureaus and the reps told me it was too long of a list and wont remove it

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I took a look at all XXXX of my credit reports and discovered inquiries that are not mine. I have contact the credit bureaus and the reps told me it was too long of a list and wont remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank XXXX XXXX XXXX  as well as XXXX XXXX XXXX XXXX my mother was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because he was going to divorce her. The very fact that my name was signed by my brother on forms so that my mother could still my entire inheritance from me is XXXX. I was never supposed to be placed on conservatorship that's confirmed by the California judicial performance and a State Bar they've already erased that from my record. I have forms that state that too from the XXXX XXXX  investigator XXXX XXXX. I'm wanting to get my XXXX inheritance backed at my mother stole from me I don't care what JP Morgan and Chase Bank have to do about it but they can go after her for her fraud her grand theft because my mother also has home refinance loans in my deceased father 's name who died in XXXX of XXXX. She opened a {$100000.00} home refinance loan in XXXX and XXXX from home side lending Incorporated she lives in XXXX California and she got these loans from XXXX XXXX XXXXXXXX XXXX from XXXX XXXX Texas for {$100000.00} each time. Not only just that but she also signed a non-revocable will and Trust from my father 's name he was miraculously alive to sign it into her name in XXXX XX/XX/XXXX. He put a non-revocable will and Trust in my mother 's name into a living will and Trust by using a intervivos trust transfer form. So that being said how is my father going to die in XXXX but able to sign a form in XXXX for JP Morgan Chase Bank that's pure fraud and furthermore they can't give money monies can't be awarded to somebody who is XXXX XXXX XXXX XXXX of my father so says that California penal code I have the right to sue the entire State now by them not complain to my request they can not even speak to my mother about my father 's inheritance they have to contact me which they never did so I will be talking to an attorney tomorrow I promise you that Monday morning I'm going to sue the XXXX out of them I don't give a XXXX and I'm going to have my mother face XXXX XXXX now cuz now it's warranted at this point it's taking everything in me not to go over there and exchange words with her right now. She could be in compliant XXXX XXXX all she wants she can be that XXXX in prison I don't care so that being stated I suggest JP Morgan lawyer up because I'm about to and I'm going to take them down too

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
After opening my Apple Card with Goldman Sachs, I wanted to set it up in my bill payment feature with my normal financial institution. When I tried using the numbers that Apple/Goldman had provided, enrollment of the biller/payee failed. I was informed that the account number on Apple/Goldman cards is different than the numbers provided for purchases. Every time I try to ascertain the account number using the apps, they kept trying to force me into linking my bank accounts, allowing them to withdraw payments directly from my bank account. I did not want to do this, and I wanted to control the payments myself using Bill pay. I contacted them the only way possible as far as I could entertain, which is via Apple text messages using my XXXX. They told me they could not provide me the account number by any electronic means although every other aspect of this experiences electronic. They told me the only way to get my account account number is by US Postal Service and it would take at least 10 business days. After 10 business days had passed without receiving the account number, I contacted them again., they said they can see that I asked for the information a second time, which I had not done. They said to wait for 10 more days from either that date or from today. At this rate, I may not be able to pay my first bill on time without linking my bank account. This seems unfair, abusive, and deceptive to make it this hard to find out your account number on a credit card, just so they can force you to link your bank account to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
This amount of money {$4900.00} in total this missing money from social security benefits, I'm missing from XX/XX/year> ... through XX/XX/year>. My identification was stolen from in XX/XX/year>... I've been reporting this to the social security office and to cash app mobile banking platform, and I've been trying to resolve this matter through XXXX XXXX  that's over Cash app online banking. But they still refuse to resolve this matter or refund my money. That's why they'd suspended my cash app account because of my complaints. I need help from someone who is certified in resolving issue as mine. Please N thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The information being reported on my XXXX Loan. This account was never late and or 60 days past due. The account was paid in full on XX/XX/year> there was 30 day a late payment reflecting on XX/XX/year>. That information was reporting error. They corrected the error, and in return the credit bureaus updated the information and reported that XX/XX/year> was 60 days late which is incorrect.

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 2024-06-15 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: SC

Complaint narrative:
On XX/XX/2024 I received an updated copy of my credit report and I was stunned at how many accounts that were listed inaccurately. I have never conducted business with these companies and I believe that their information is completely inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the companies listed on my report multiple times. According to 15 USC 1692G they are required to notify with evidence of this alleged debt. I believe they have stolen my non public information from somewhere and Now attempting to ruin my creditworthiness. I want these accounts investigated immediately. Any evidence retrieved from the investigation I want sent to me through the CFPB complaint portal to avoid any interruptions with the documentation.

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 2024-06-15 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: SC

Complaint narrative:
On XX/XX/year> I received an updated copy of my credit report and I was stunned at how many accounts that were listed inaccurately. I have never conducted business with these companies and I believe that their information is completely inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the companies listed on my report multiple times. According to 15 USC 1692G they are required to notify with evidence of this alleged debt. I believe they have stolen my non public information from somewhere and Now attempting to ruin my creditworthiness. I want these accounts investigated immediately. Any evidence retrieved from the investigation I want sent to me through the CFPB complaint portal to avoid any interruptions with the documentation.

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 2024-06-15 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX ( Account number : 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 2024-06-16 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: CA

Complaint narrative:
My name is XXXX XXXX and i live in XXXX XXXX CA. After close review of my credit reports, I noticed that someone out of Illinois opened up an account with XXXX with my name. I am requesting that you investigate this situation that is seriously damaging my credit score and means to purchase a home. 
XXXXXXXX XXXX  XXXX XXXX {$270.00} ACCT : XXXX XXXX XXXX XXXX its on all XXXX of the major consumer reporters : it also shows late payments on a closed account

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 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
CKS Prime XXXX XXXX XXXX XXXXXXXX ) {$1000.00} account # XXXX was opened on XX/XX/year> when I never received service or did business with said company. I have contacted company several times. I requested the collection of account to be paused and investigated as due to identity theft I put a lock on credit provided evidence and requested a response with no reply by creditor or response via certified mail USPS, telephone, and email. They have not given or sent a statement and there are many incorrect address and mispelt of person identified. Please assist as soon as possible to resolve because this is stopping my for getting shelter a home due to my credit collection account. it is hurting me economically.

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 2024-06-16 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: MI

Complaint narrative:
I am writing to dispute the inaccurate and inconsistent information reported across all XXXX  major credit reporting agenciesXXXX, Experian, and XXXXregarding XXXX of my accounts. These discrepancies include conflicting account balances, payment histories, and account statuses. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and consistency of the information they report ( 15 U.S.C. 1681e ( b ) ). Given the significant inaccuracies and inconsistencies in the reporting of this account, I request that the account in question be thoroughly investigated and subsequently deleted from my credit report. Please see screenshot attached :

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 2024-06-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  {$1100.00} 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 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 2024-06-15 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: FL

Complaint narrative:
i found inquires rthat i dont recognize on my report and need them removed asap XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-06-15 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: FL

Complaint narrative:
i found inquires rthat i dont recognize on my report and need them removed asap XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation