vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted XXXX approximately around XX/XX/2023  for the second time and demanded the following transactions be excluded from my consumer report because they violate my consumer rights based on the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following codes below support my request to have the items above excluded from my consumer report. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted XXXX approximately around XX/XX/2023 for the second time and demanded the following transactions be excluded from my consumer report because they violate my consumer rights based on the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following codes below support my request to have the items above excluded XXXX my consumer report. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: APG Financial Inc
State: UT

Complaint narrative:
I have attached the letter that I sent to this alleged creditor on XX/XX/2023 that was received by APG FINANCIAL, INC. on XX/XX/2023. With the exception of the CFPB complaint that was filed against the creditor on XX/XX/2023, I have yet to receive a response from from this creditor and its attorney, its officers for each and every communication I have sent. 

Please consider this my notice and request to provide me the following information : 1. Notice from APG FINANCIAL, INC. to me, the party whose credit record was subject to the negative credit report, that a negative credit report may be submitted to a credit reporting agency. 

2. Regarding the notice that was sent to me from XXXX XXXX XXXX in the name of APG FINANCIAL, XXXX on XX/XX/2023 I am requesting any and all documentation and communication relating to this alleged debt and the documents that show how APG got to the alleged deficiency balance. 

I am requesting a response within 21 days. I have included the correspondence exchanged with APG FINANCIAL , INC. and am seeking either the reiteration of the requested information or an explanation for the unavailability of any and all the information requested in the attached letter and this CFPB complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Unable to make payment online. 
When I try to make a payment, it shows : " Not eligible for XXXX XXXX. 
You dont have an account for use with XXXX XXXX XXXX Youll need to open a Bank of America XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX of credit. Open an account ''. 

This is the first time that I have a credit card company forcing customer to open a banking accouint with them, in order to be able to make a payment. 

I have called and have XXXX add XXXX accounts, XXXX claim it is added, but it never appear on the online account. When I call back, they also do not see the account that was allegedly added before by their own XXXX 

Instead of addressing the issue, XXXX have anger issues.

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a debt validation number to the creditor and they where not the only one the other dropped right off for this specific collection account Experian opened a dispute with no information available as to why it was opened because I never opened it. I am not able to get in touch with a actual representative about the matter, because this collection is unlawfully reporting and effecting my consumer report.

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 2023-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: CA

Complaint narrative:
In XXXX I made an accidental payment for XXXX XXXX with a card that did not have the balance which the card was my cashapp. It went through and over drafted my account, so I called XXXX and asked them on the XX/XX/XXXX to refund the payment. On the XXXX XXXX refunded the payment so I called cash app to see what is going on. They told me I had to wait still so I waited a big longer. They first said XXXX  days, then when I contacted again, they told me XXXX days. Then when I tried to ask what is going on, they claim I need to show proof for my account and denied my claim. Atm, they refuse to talk to me and keep giving me the run around. I have provided proof, and they still refuse to help me which now it's causing distress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, I wrote XXXX letters for these companies XXXX XXXX XXXX Transunion ) On XXXX different dates XX/XX/2023 & XX/XX/XXXX XXXX XXXX XXXX XXXX and XX/XX/2XXXX XXXX XXXX XXXX  XX/XX/2023 for " Transunion ''. I requested to remove the error on my credit report. There were several addresses and phone numbers on my account have nothing to do with me. I requested this be investigated and that these numbers or addresses could be caused by fraud or someone opening bad accounts in my name or something I don't know but have been asking for this and have no results only " XXXX '' complied with my request.

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 2023-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
My First National Bank XXXX card was lost or stolen on or about XX/XX/2023. I reported this the following day to the company & later identified XXXX transactions charged to my credit card account that I did not make. However, the company has removed only XXXX of these charges & has failed to provide me an explanation as to why the others have not been removed from my account. Moreover, the company 's fraud investigator in a letter to me dated XX/XX/XXXX concurred with me that all XXXX charges were fraudulent & stated to me over the phone that the company management had decided not to remove the other fraudulent charges from my account, The basis for this decision has not been shared with me. I do not understand why this company is trying to make me pay for these fraudulent charges.

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 monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX Dear Collections and XXXX XXXX XXXX. : This letter is in response to your recent claim that XXXX has XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 



Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 



Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non- compliance. 



Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking XXXX in damages for the following : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

*DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE * I received a copy of my credit report and am writing to dispute the following information that appears on my Transunion report. 
Please verify or remove immediately the following : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt.Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete these accounts. 

Also the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS NOT LATE AND HAS NEVER BEEN LATE. PLEASE CORRECT AND UPDATE ANY LATE OR MISSED PAYMENTS ASSOCIATED WITH THIS ACCOUNT IMMEDIATELY. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. 
Thank you for your time and help in this matter. 

Subject : UNAUTHORIZED INQUIRIES-DISPUTE ( DELETE/REMOVE ) I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/XXXX, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611. 15 U.S. code 5 1681b- Permissible purpose of consumer reports. 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. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. These inquiries were not authorized by me and I would a full investigation and documentation of who may have requested these credit pulls. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting Please reply within the time limits as stated by the FCRA or delete the data which appears on my credit report. 

*DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE * REMOVE/DELETE FROM MY REPORT IMMEDIATELY

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
A company called early warning system has a number of erroneous accounts that were opened due to a data breach on my credit report all of which I have contested with them personally XXXX of them they removed and there are still a few remaining but they are dragging their feet and correcting them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: NY

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. 

Account Name XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 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 XXXX years. 
15 U.S.C. 16815-2 ( AN1 ) 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 2023-10-01 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a XXXX card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have ( he 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 wilhout my writen 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 2023-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint.

I contacted Resurgent Receivable about two accounts that they are reporting to my credit report. They are reporting these accounts fraudulently and without my authorization and consent.

They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and Resurgent Receivable. If no contractual obligation exists between us then how could I legitimately owe them for any debt? Resurgent Receivable claims to have purchased the debt from XXXX XXXX XXXX  but my contract was between myself and XXXX XXXX XXXX, who I am in the process of entering into arbitration with. If Resurgent Receivabe continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation the FCRA, FDCPA, and for aggravated identity theft.

Please see Resurgent Receivable info in identity theft report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: GA

Complaint narrative:
I was scammed I was told by this company they can help me clean up my credit report they said they just would like to look at my credit report it will not leave an inquiry

Company response to consumer: Closed with explanation