vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXXas 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the listed accounts below has violated my federally protected consumer rights to privacy, confidentiality, accuracy, and confidence under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights under sections : 15 USC 1681 section 602 ( A ) ,15 USC section 604 ( 2 ), 15 USC 1681 section 6060 ( 2 ) ( a ), 15 USC section 6048.

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 2022-05-31 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: LEXISNEXIS
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the listed accounts below has violated my federally protected consumer rights to privacy, confidentiality, accuracy, and confidence under 15 U.S.C 1681 Bankruptcy Case Number : XXXX, and Bankruptcy Case Number : XXXX has violated my rights under sections : 15 USC 1681 section 602 ( A ) ,15 USC section 604 ( 2 ), 15 USC 1681 section 6060 ( 2 ) ( a ), 15 USC section 6048.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus stated, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

They also violated my right under 15 U.S.C 1681 Section 604 a Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

They also violated my rights under 15 U.S.C 1681 Section 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified that consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus stated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

They also violated my right under 15 U.S.C 1681 Section 604 a Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

They also violated my rights under 15 U.S.C 1681 Section 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified that consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: URS Holding, LLC
State: GA

Complaint narrative:
Alltran financial is trying to recover XXXX for XXXX. I was a part of class action lawsuit against XXXX. As part of XXXX settlement agreement their report was removed from all credit bureaus, I received a small check and it was agreed by XXXX no further attempt would be made to pursue. I have tried to contact XXXX  and alltran is aware yet continue to call and threaten me

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 2022-05-31 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: NY

Complaint narrative:
I submitted a letter to the Experian XX/XX/2022 to remove these suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX  XXXX XXXX Balance : {$270.00}

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 explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I signed up for an American Express gold card with a XXXX bonus point offer after spending {$4000.00} in four months. More than 16 weeks after meeting the spend requirement, the bonus points still have not posted. 

I first contacted American Express about this via chat on XX/XX/XXXX. I reached out again XX/XX/XXXX via chat and again via phone on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, received a letter from Bank of America that a new Credit Card Account was approved for {$25000.00} and cards will be mailed out. I never and will never apply form a credit card through Bank of America or any other Large Financial Institution. I never gave any authorization for the pulling of my credit report or an application for a credit card. It took over an hour of my time to get to Customer Service and they will not close my account until I return a signed letter Disputing this card. 

I have a freeze on my credit bureau as of XX/XX/2022.

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 2022-05-31 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: FL

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX -XXXX XXXX  NEGATIVE ACCOUNTS XXXX -XXXX XXXX XXXX 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 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 2022-05-31 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: FL

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX/XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX  XXXX -XXXX XXXX XXXX XXXX -XXXX  XXXX -XXXX  XXXX -XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX -XXXX  XXXX XXXX -XXXX XXXX -XXXX  XXXX -XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-05-31 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: FL

Complaint narrative:
There were letters sent off via mail on XXXX XXXX. I advise the credit bureaus to investigate every piece of information on the accounts Also. I have attached the certified tracking numbers. They stated my accounts were verified but how is that possible if they didnt do a proper investigation according to the law. Every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate.

15 U.S.C. 1681 section 602A 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. 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court complement jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: FL

Complaint narrative:
There were letters sent off via mail on XXXX XXXX. I advise the credit bureaus to investigate every piece of information on the accounts Also. I have attached the certified tracking numbers. They stated my accounts were verified but how is that possible if they didnt do a proper investigation according to the law. Every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate.

15 U.S.C. 1681 section 602A 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. 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court complement jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I applied for a Best Buy card that's financed through CitiBank. I was told to call XXXX. I called that number and spoke to a woman that placed me on hold to process the application. After about 10 minutes I received a call from XXXX and it was a person asking did I just apply for a Best Buy card. Told her yes and that I had a rep on the other line from the Best Buy card services. She explained that was her that placed me son hold and that her calling me was apart of the verification process. So she stated that she had to do some more verifying. She stated that my cellphone didn't meet the requirements to send a one time text. ( Crazy thing is my cellphone that she called me on was the number that's on all 3 of my credit bureaus ). So she stated do you have any other Citibank accounts that's opened. I said " No '', I applied for a Home Depot card but they need more information to verify me that a woman called me and stated that I'll get a letter in the mail that I need to fax that letter and a copy of a utility bill in. She stated okay at this time we can't approve you and you'll get a letter in the mail in 7-10 business days. 

Called today and got the automated system that stated that my application was declined due to can't verify my identity. Please see the attachment. My ID and SS, current bill and credit report from XXXX. Please keep in mind she already called me on the phone number that's listed on my credit reports. 

Please notice that my XXXX credit report don't have any CitiBank accounts. CitiBank is bias and they won't give me a card. Keep in mind this same scenario occurred for the Home Depot Card I spoke to someone last week and I never received the letter in the mail for verification purposes, but they ran my credit. How convenient, they don't extend credit but make money off the amount of credit applications that they get in.

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 2022-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter on XX/XX/2022 to remove collection account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$630.00}

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 2022-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter on XX/XX/2022 to remove collection account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}

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 2022-05-31 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: NY

Complaint narrative:
I submitted a letter to the TransUnion XX/XX/2022 to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 

Personal Information : XXXX, XXXX, XXXX Inquiries : XXXX XXXX XX/XX/2022

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 2022-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022, several hard inquiries were made to my credit that I did not initiate. 

1 ) CapitalOne - XXXX Capital One XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX ( There are also several soft inquiries made to my account under Capital One 's name ) 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX Upon calling Capital One to inquire about this inquiry and to report it as fraud, they informed me that there were not any accounts that currently appeared under my name and that I should send a letter detailing the issues to them. I have initiated a dispute through XXXX to these inquiries and will do so on other reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent identity thief reports to each credit bureau and Equifax is the only bureau stating they have not received my documents. I sent certified mailed in XXXX and XXXX along with a fax. Each time I call the company states they did not receive my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX XXXX is trying to recover XXXX for Ally. I was a part of class action lawsuit against Ally. As part of Ally settlement agreement their report was removed from all credit bureaus, I received a small check and it was agreed by Ally no further attempt would be made to pursue. I have tried to contact Ally and XXXX  is aware yet continue to call and threaten me

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 2022-05-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
credit score dropped fro XXXX to XXXX in one month. Credit card had a balance of {$10000.00} however the balance was paid off before due date. I have never carried a balance on this credit card, seems extreme to drop credit score. Contacted credit company and they have done nothing to explain why my score was impacted as it is. I have had XXXX or better credit score for at least the past 15 years. This is wrong ....

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 2022-05-31 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: IL

Complaint narrative:
I submitted a dispute as well as a complaint via your platform to bring to light the lack of investigation by Cash App relating to an ATM withdrawal error. When filing the dispute, I mentioned to the Disputes team that the transaction was " authorized '', however, the funds that I requested from the ATM machine were not dispensed. My account was charged for the transaction, and for that reason I filed the dispute. I spoke with a Cash App manager by the name of XXXX, who informed me that I can request the documents Cash App used to complete their investigation. My thought process was that the documentation would show communication with the merchant/owner of the ATM confirming that funds were dispensed. When I received the documentation the sent to confirm their decision ( attached here for your review ), I realized that the documentation showed nothing more than the fact that it was an authorized transaction. Nowhere on there does it show confirmation that funds were actually dispensed. The documentation is internal, and none of it came from the merchant/owner of the ATM. That being said, you can not confirm that no error occurred if the merchant/owner of the ATM has not confirmed that funds were dispensed. I firmly believe that Cash App has denied this because they refuse to reward me these funds. Additionally, I have filed an additional complaint with the XXXX XXXX XXXX  and the FTC to review this. It is quite apparent that many others have had the very same issues with Cash App, and the only way for this to be fixed is for agencies like the CFPB to hold them accountable.

Company response to consumer: Closed with explanation