vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for an purpose.

I was admitted to the hospital XX/XX/2021 and fell behind on all bills there was nothing i could could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I got sublease scam. 
I sent XXXX dollars to guy named XXXX XXXX, sublessor, as a deposit on XX/XX/XXXX and another XXXX dollars to XXXX XXXX, landlord/agent, in 2 differnet transactions as a 1 month rent through Zelle. I sen XXXX dollars first on XX/XX/XXXX and XXXX dollars on XX/XX/XXXX. So total of XXXX dollars. 

I reported to XXXX XXXX  and they said they will file a report and investigate but chance of getting money back is very low. 
Zelle says there is nothing they can help with it, so just contact my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I have submitted all requested documents for my account freeze to be lifted but the company has not done so. I keep receiving more emails asking for the same documents and they will not respond to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: UT

Complaint narrative:
In accordance with the fair credit reporting act, the following Accounts have violated my rights : 1 ) XXXX XXXX Account # XXXX, amount {$520.00}, Date Opened XX/XX/2018 2 ) XXXX XXXX, Account # XXXX, amount {$61.00}, Date Opened XX/XX/2018 15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
In accordance with the fair credit reporting act, the following Accounts have violated my rights : 1 ) XXXX XXXX Account # XXXX, amount {$520.00}, Date Opened XX/XX/2018 2 ) XXXX XXXX Account # XXXX, amount {$61.00}, Date Opened XX/XX/2018 15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/2021 I sent a certified letter stating that accounts : FedLoan were inaccurate and incorrect accounts. 

The Credit bureaus have investigated and stated account FedLoan can not be verified as being my account. This is grounds for removal. 

Under section 609 law states I have a right to see what the furnisher ( lender, creditor collector, or court ) sent to the credit reporting agency. Please provide my original promissory notes and all student loans that you service. Please send my original signature that was signed in wet ink ( not electronic ). The law also states that all debt has been paid for within 180 days. These accounts were already paid off. 

These accounts are not my accounts. See attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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:
I HAVE UNAUTHORIZED INQUIRIES REPORTED ON MY CREDIT REPORT. 
XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ( XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I NEVER AUTHORIZED SUCH ACTION, AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION OF MY RIGHTS TO PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, my Moneylion debt card was stolen. The person who stole my card use it without my authorization. I filed a dispute with Moneylion. Waited over a month, and was denied my provisional credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX XXXX XXXX XX/XX/2020 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 CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY 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 2022-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XXXX XXXX I made a instant transfer from square cash app in the amount of XXXX dollars to my XXXX debit checking account. For whatever reason XXXX  declined the transaction and said the transfer declined and never accepted which was automatically sent back. Well its 2 years later and my transfer is still missing from both parties. Cash app keeps telling me to get the transfer information from chime but XXXX  says they dont have it. Cash app is saying they sent it as a merchant refund which is unacceptable because I didnt transfer as that. Now they arent trying to find my transfer. I need my money located and put back into my account by cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: TX

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. 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 2022-07-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I disputed this account that has been affecting my credit for 4 years and I do not recognize it as mine, in response you update the account as newly opened and affect my credit even more. It is impossible for the account to be in open status. I hope they can solve the problem and send me the original documentation with my signature that supports this account. Thanks.

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 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXXXXXX XX/XX/2021 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 CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY 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 2022-07-29 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: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I was a victim of the XXXX XXXX breach of XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$6200.00} is not mine

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 2022-07-29 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: PA

Complaint narrative:
The XXXX accounts were withdrawn and settled In Court. These accounts are still showing inaccurately on my credit file. XXXX has been contacted multiple times and there has been no update provided on the status of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
The LVNV accounts were withdrawn and settled In Court. These accounts are still showing inaccurately on my credit file. XXXX has been contacted multiple times and there has been no update provided on the status of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, U.S. Department of Education Account # XXXX, Account # XXXX, Account # XXXX, XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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

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 2022-07-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX please remove fraudulent/ unauthorized closed account off my report or provide proof in writing within 30 days

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 2022-07-29 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: Incomm Holdings Inc.
State: IL

Complaint narrative:
When I used the card, it is either rejected, tells me there isnt enough money on the card. When I contact the company, they ask me to put the card number in then tell me for a {$1.00}. They will try to resolve my question, then take the money out of the card number I just put in. Its not the money it is the principal. Most merchants wont accept the card because of the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXXXXXX XXXX XXXXXXXX XX/XX/2018 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  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY 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