vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: FL

Complaint narrative:
XX/XX/XXXX To whom it may concern, My name is XXXX XXXX. I am writing this email due to some unpleasant activities following a visit to XXXX XXXX XXXX back on XX/XX/XXXX. I came in that XXXX  morning for a recall repair on my air bag for my XXXX XXXX XXXX  ( Which I am still currently driving ) While I was waiting on my repair, a young man ( sales professional ) XXXX XXXX showed me some of their cars on the lot, asked me why I came in today etc. Then we test drove a XXXX XXXX During this period my vehicle wasn't done yet with the airbag repair. After test driving the XXXX XXXX, XXXX, ran up some numbers and was basically trying to get me to get me to walk out with a new car, payment plan etc. I said no, explained that I had a lot going on and that this would not be a smart decision for me right now and that I would I'm just going to wait till my car is ready and go home. 

After, that I had a few representatives come in and try to convince me or " earn my business '' as they put it. The Manager, supervisor, you name it. Outside of XXXX, I had to have had three to four more men come to the same desk trying to offer different deals to earn my business ; and each time I said no. That XXXX I ended up driving my car the XXXX XXXX XXXX XXXX. I did not purchase a new car, there was no trade in, or any contract or consent given to process or complete anything else. 

Unfortunately, a while later I had received some letters in the mail from two separate lenders informing me that they denied my request for a loan. In fact, the letter stated that the loan requested was for {$26000.00} ( from XXXX XXXX XXXX XXXX ). I was completely shocked that I ended up checking my XXXX and Experian account and I noticed that there were several other hard inquiries dated back form XX/XX/XXXX the same day I went in for my recall repair, which is absurd because I said no to every sales man that came before me and I did not give consent or request any loan for {$26.00}, XXXX from XXXX XXXX, this is when I knew I had to call the credit bureau and take action. This was not activity I approved of nor gave consent to, this is fraudulent activity. 

Now, unfortunately I'm going through the process of mailing letters to the credit bureaus to clean up this mess that I did not even do. I'm also considering getting my attorney involved because this is the most insane and unprofessional thing I've seen, and to be honest my respect for this XXXX location has gone down. This is a very unpleasant circumstance to be dealing with right now. 

Sincerely, 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 2022-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX in the morning, {$700.00} and {$100.00} was taken from my Cashapp account without my authorization.I don't know the receiptiant was but I tried to explain to cashapp that, I didn't authorize anything to anybody at XXXX in the morning.A text message came to my phone at XXXX in the morning stating that, XXXX XXXX accepted my payment of {$700.00} and then, $ XXXXHowever, I never sent anybody anything nor did anyone request any money from me at that time of the morning.Whats crazy is, the day my money came up missing is the same day this person joined cashapp.Two days later, this profile was changed to something else.I just want my {$800.00} back because, I never gave permission for it to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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:
went to the car dealership they said that only XXXX would pull my credit. Instead there was a lot. 
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 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 2022-07-13 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: TX

Complaint narrative:
went to the car dealership they said that only XXXX would pull my credit. Instead there was a lot. 
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 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
Consumer complaint received 2022-07-13 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: WI

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also, they have violated my rights even more, in accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the address is inaccurate the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to, 15 USC 1681 SECTION 602 ( A ). STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 ( A ), section 2 : it also states : A consumer reporting agency furnish a account without my written instructions.

I did not give anybody written instructions for these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: VA

Complaint narrative:
TransUnion has continued to violate me as a federally protected consumer with no regard of my reputation or their grave responsibilities under the FCRA. I requested validation of the alleged debt and sent it to TransUnion, their response was " VERIFIED AS ACCURATE ''.. I asked them to provide the information they obtained to decide that the account that I disputed was accurate. They never responded. The account was listed on my report as XXXX  XXXX XXXX, pulled my report and it was gone. They never provided me with an updated consumer report letting me know that the item was removed. They also, never answered my demand for disclosure on the information used to verify the account. Which is a VIOLATION under 15 USC 1681i ( a ) ( 6 ) as they are supposed notify me of the above mentioned information. TransUnion has decided that they have no responsibility to maintain the maximum accuracy as it relates to me the consumer and natural person. They LIED about actually doing an investigation and verifying the information which is why they ultimately removed the account from my consumer report. They are civilly liable pursuant to 15 USC 1681n and I am now seeking monetary relief.

They have also deleted quite a few of inquiries off of my consumer report and I received confirmation about those deletions ( but they failed to send confirmation about the above mentioned account ). Those deletions are FURTHER proof that TransUnion is to be held liable under 15 USC 1681n. Deletions are admission that the information was inaccurate from the start. You were supposed to maintain the accurate of my consumer report and you repeatedly failed to do so.

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 2022-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
I sent a letter over a month ago requesting validation of the debt but have yet to hear back anything from the company. I even called ( XXXX ) XXXX to speak to a live representative, however, was unable to ever reach anyone in the correct department. I am requesting a deletion of the account in order to deal with the original creditor directly to clean up my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : FEDERAL DEPOSITE INSURANCE XXXXXXXX XXXX XXXX COMPTROLLER OF CURRENCY CC 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 2022-07-13 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: FL

Complaint narrative:
XX/XX/XXXX To whom it may concern, My name is XXXX XXXX. I am writing this email due to some unpleasant activities following a visit to XXXX XXXX XXXX back on XX/XX/XXXX. I came in that Saturday morning for a recall repair on my air bag for my XXXX XXXX XXXX. ( Which I am still currently driving ) While I was waiting on my repair, a young man ( sales professional ) XXXX XXXX showed me some of their cars on the lot, asked me why I came in today etc. Then we test drove a XXXX XXXX. During this period my vehicle wasn't done yet with the airbag repair. After test driving the XXXX XXXX, XXXX, ran up some numbers and was basically trying to get me to get me to walk out with a new car, payment plan etc. I said no, explained that I had a lot going on and that this would not be a smart decision for me right now and that I would I'm just going to wait till my car is ready and go home. 

After, that I had a few representatives come in and try to convince me or " earn my business '' as they put it. The Manager, supervisor, you name it. Outside of XXXX, I had to have had three to four more men come to the same desk trying to offer different deals to earn my business ; and each time I said no. That Saturday I ended up driving my car the XXXX XXXX XXXX  home. I did not purchase a new car, there was no trade in, or any contract or consent given to process or complete anything else. 

Unfortunately, a while later I had received some letters in the mail from two separate lenders informing me that they denied my request for a loan. In fact, the letter stated that the loan requested was for {$26000.00} ( from XXXX XXXX XXXX XXXX ). I was completely shocked that I ended up checking my XXXX and Experian account and I noticed that there were several other hard inquiries dated back form XX/XX/XXXX the same day I went in for my recall repair, which is absurd because I said no to every sales man that came before me and I did not give consent or request any loan for {$26.00}, XXXX from XXXX XXXX, this is when I knew I had to call the credit bureau and take action. This was not activity I approved of nor gave consent to, this is fraudulent activity. 

Now, unfortunately I'm going through the process of mailing letters to the credit bureaus to clean up this mess that I did not even do. I'm also considering getting my attorney involved because this is the most insane and unprofessional thing I've seen, and to be honest my respect for this XXXX location has gone down. This is a very unpleasant circumstance to be dealing with right now. 

Sincerely, 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 2022-07-13 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: TX

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation