vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: NCB Management Services Inc.
State: AL

Complaint narrative:
The company sent me a copy of the original contract from XXXX. The company in which I had a contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I have a bank account with Square which is through XXXX XXXX. 
XXXX XXXX paid for a XXXX XXXX for a specific project that had a due date oXXXX XXXX  XXXX not only was it not completed by XXXX XXXX but the project hasn't even started by that date. We went ahead and held them off and canceled the project completely since it hasn't even started.

the Company said they will refund us but never did. niether did they provide any service what so ever.

I contacted Square and filed a dispute on it and explained the situation.

MORE THAN THAT, I went ahead and provided the clear proof and communications of the developer admitting he failed to deliver and promising the refund and where I have advised them I no longer need the project.

I sent this all to Square. 

It is now over XXXX weeks later since submitted and still I do not have access to the funds and my business is stuck for a month now and held back from a project that we desprately emergency need completed. 

I understand that XXXX XXXX has typically 30 or 60 days to finalize and complete any investigation. however, this is not in place to take extra advantage of customers. this is in place so they have time in the case of deeper investigations. in this case I am very unsure of what is taking 4 weeks and why my business deserves to have funds for an important project stuck for 4 weeks by now on a charge that the merchant has already agreed that they did not complete or began the service/project ... .. it is really really stressful and overwhelming and I need a response as to why this is now being 4 weeks and my business hasn't yet been able to move forward Square Account Number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX and I have a business account XXXX XXXX XXXX with XXXX account number is XXXX. 
I had multiple fraud transactions on my account : On XX/XX/XXXX I had a fraud charge by XXXX under XXXX XXXX ( according to my Chase account ) for the amount of {$480.00}. XX/XX/XXXX {$4500.00} XXXX by XXXX XXXX XX/XX/XXXX XXXX  by XXXX XXXX XX/XX/XXXX to XXXX XXXX  by XXXX XXXX XXXX for the amount of $ XXXX XXXX XXXX by XXXX XXXX for the amount of {$2900.00} XX/XX/XXXX XXXX by XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX under XXXX XXXX for the amount of {$4500.00}. I was traveling in the past month and had limited access to this account, even than I was able to stop some pending fraud transactions and I called Chase right away. In between my travels out of the country I landed on XX/XX/XXXX at night before flying again on XX/XX/XXXX and arrived right away on XX/XX/XXXX to a Chase branch and requested to close this account immediately and to open a new account to avoid future Fraud transactions of the same kind on this account. I am going to the police to file a police report for those individuals as well. 
The following transactions were also disputed but Chase has decided to close those claims and to not issue my a refund eventhough they are fraud charges : XX/XX/XXXX XXXX by XXXX XXXX for the amount of {$6000.00} XX/XX/XXXX XXXX by XXXX XXXX for the amount of {$560.00} I don't know any of those individuals and do not recognize any of those transactions. Those transactions were not done by me or anyone on my behalf or with my permission. It's all Fraud transactions that were done as part of someone hacking my account and using it wrongfully without my premission. 
I was asking them to open the closed claims again and perform a proper investigation and they stated I need to approach the credit card companies that refused to send me any documents claiming I am not their client. I see the names of the individuals charging my account on my Chase account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NV

Complaint narrative:
As of my May credit report on XXXX XXXX and TransUnion. Never open a XXXX credit card don't know anything about XXXX credit card I didn't say a fraudulent activity. Attempting to dispute at all levels. File a complaint with attorney general 's office consumer protection as well. 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
FCRA XXXX mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.

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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MA

Complaint narrative:
I began receiving unsolicited emails in XX/XX/2023 about a Chime account I did not authorize. In XX/XX/2023, I contacted customer support to request the closure of this unauthorized account. It's been almost a year later, and the account as still not been closed. 

The email linked to this account has never been verified, indicating a significant oversight in security measures. 

It seems no credit verification was performed before this account was opened. My credit records have been secured for several years ; a credit inquiry would have clearly revealed this. 

Additionally, this account has not been reported to credit agencies, which deviates from standard financial procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TX

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

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2024-05-06 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: GA

Complaint narrative:
I did not apply to these companies below : Equifax Inquiries XX/XX/XXXX & XXXX XXXX XXXX Inquiry XX/XX/2022 XXXXXXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC
State: WY

Complaint narrative:
was contacted by individuals claiming i needed to settle a debt that i am unaware of and do not have showing on my credit at all. when i asked about the company they were with they stated they are XXXX XXXX XXXX XXXX and were representing Easy Money about a debt that they supposibly contacted me about but they would not send me any information and told me they would see me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: PA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXXXXXX {$390.00} XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} DOE XXXX - XXXX al {$1200.00} DOE XXXX - XXXX al {$2000.00} DOE XXXX - XXXX {$7700.00} DOE XXXX XXXX XXXXXXXX l {$4000.00} DOE XXXX - XXXX {$2500.00} DOE XXXX XXXX XXXX {$2500.00} DOE XXXX XXXX XXXX {$4000.00} DOE XXXX - XXXX {$3800.00} DOE XXXX - XXXX {$2200.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX - XXXX {$290.00} 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 2024-05-06 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: PA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXXXXXX {$390.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} DOE XXXX - XXXX al {$1200.00} DOE XXXX - XXXX al {$2000.00} DOE XXXX - XXXX {$7700.00} DOE XXXX XXXX XXXXXXXX l {$4000.00} DOE XXXX - XXXX {$2500.00} DOE XXXX XXXX XXXX {$2500.00} DOE XXXX XXXX XXXX {$4000.00} DOE XXXX - XXXX {$3800.00} DOE XXXX - XXXX {$2200.00} XXXXXXXX XXXX XXXX {$12000.00} XXXX XXXX - XXXX {$290.00} 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 2024-05-06 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: TX

Complaint narrative:
*In accordance with the fair credit reporting act convergent account these XXXX accounts have violated my rights to privacy Account Information XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 u.s.c 1681 section XXXX A. states i have the rights to privacy 15 u.s.c 1681 section XXXX A. section XXXX it also states a consumer reporting agency can not furnish a 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: WI

Complaint narrative:
I review my credit report weekly to make sure everything on it is correct. I monitor through XXXX XXXX and XXXX. 

On XX/XX/XXXX I only had XXXX inquiries on my report as I had previously disputed fraudulent inquiries and they were ALL REMOVED in XX/XX/XXXX through a previous complaint filed with the CFPB. I have attached both reports showing the reinserted fraudulent, old inquiries. 

On XX/XX/XXXX Equifax reinserted XXXX inquiries from XXXX and XXXX which were previously removed after their own investigation which is a CLEAR Violation of FCRA and FDCPA. Equifax can not by law reinsert previously deleted information and continuously violate my consumer rights. I am seeking your help to make them comply with consumers laws created to protect me from these illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2024-05-06 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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