vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: CO

Complaint narrative:
I sent a letter to Equifax on XXXX regarding accounts reporting on my report that the collection agency could not verify. Equifax responded with " verified '' so I sent another request on XXXX to describe method of verification. 
The account got removed in XXXX, was then REINSERTED as un UNVERIFIABLE collection in XXXX. 
Per the FCRA, a credit reporting agency must provide you with a notice of reinsertion within five business days from the date of reinsertion and must be reporting ACCURATE.

1 ) they did not notify me at all that this was being reinserted 2 ) This account has no creditor, no collection agency, and is incomplete and inaccurate. 
Ive enclosed the letters that I sent, as well as a copy of the Credit report showing the original account I disputed, a copy of the credit report showing it was reinserted as unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a request to XXXX XXXX XXXX on XX/XX/2022. To provide me with documentation that I entered agreement with XXXX XXXX XXXX or XXXX XXXX XXXX for the amount of {$1100.00}. They have not provided me with the verification of the original signed consumer contract within the 30 day time period. Therefore, since they can not provide verifiable proof of any contract in the amount {$1100.00}. I ask them to immediately delete and remove all collections from all 3 credit reports related to XXXX XXXX XXXX and 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 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have owned my home since 2014 and the mortgage has been paid in full. XXXX, Transunion and XXXX is still reporting on my credit report a balance from of XXXX. XXXX, Transunion and XXXX is reporting a balance of XXXX from XXXX. XXXX, Transunion and XXXX is reporting a balance of XXXX from XXXXXXXX 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 2022-04-14 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: PA

Complaint narrative:
I have owned my home since 2014 and the mortgage has been paid in full. XXXX, XXXX and Equifax is still reporting on my credit report a balance from of XXXX. XXXX, XXXX and Equifax is reporting a balance of XXXX from XXXX. XXXX, XXXX and Equifax is reporting a balance of XXXX from XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 4th time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: NV

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent items, along with my statement ).

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 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am a pastor of the church, XXXX XXXX XXXX XXXX, a 501 ( c ) ( 3 ) nonprofit organization that receives donations through Cash App. Cash App aka Square Inc. has for the past two years reported income received from the church as if I received I personally. I recently received a notice that I personally owe over $ XXXX in taxes ( penalties to be assessed later ) on income I never received. I have tried for weeks to speak with someone at Cash App but they will only communicate via email. Bottom line is after begging to be routed to a supervisor who understands and read XXXX, writing to XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and providing documents proving that I did not receive this money from Cash App and uploading the same documents to a secure portal, and being told that a revised 1099 was uploaded to the Cash App portal ( it has not ), I have not received any resolution. I have been forced to file an extension with the IRS, hire an accountant and now I am searching for a tax attorney all because Cash App erroneously issued 1099s to me personally for income that was received by a tax exempt organization. All they have to do now is issued corrected 1099-Ks for XXXX and XXXX but they refuse to do it and because I am dealing with people who do not live in the US and have no idea what a 1099-K is, they won't address my issue. I have filed two previous CFPB complaints and Cash App claims they can not find my account, even though I provided detailed information and via email they have acknowledged they know exactly who I am. Here it is again : XXXX XXXX XXXX XXXX XXXX XXXX Cash App $ XXXX Address XXXX XXXX XXXX, XXXX, PA XXXX I have uploaded documentation proof to your secure portal as requested under CASE NUMBER XXXX and have received no response. I am now uploading those same documents here - this is irrefutable proof that the money was received by the tax exempt organization, not by me personally. Please provide a resolution and correct your tax reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
XX/XX/2021 a notice I was being sued was left on a table that wasn't my abode for anyone to see violating my right to privacy. The person who left the paper came before XXXX, a violation of the FDCPA. I do not agree to the validity of the debt and the notice had a multitude of violations. I responded within the 30 days to their " Lawsuit '' and still haven't heard a response back. Recently, the alleged debt collector sent another letter attempting to collect the alleged debt ignoring my previous validation notice and affidavit of truth. The party attempting to collect this alleged debt is a third party " law firm '' and pursuant to 15 USC 1692e ( 3 ) one can not represent as an attorney and collect a debt at the same time without being a debt collector. Lastly, I do not want to speak to this third party as they were not involved in the original transaction and I do not consent to this third party being in my affairs.

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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
I am being sued in civil court in XXXX XXXX Ohio by XXXX XXXX also known as XXXX XXXX XXXX and their legal servicer, Stenger and Stenger. The account in question, ending in # XXXX is the result of identity theft, of which I am the victim. Resurgent, XXXX XXXX and their affiliates/ attorneys, Stenger and Stenger have failed to act in good faith with regards to providing me any kind of documentation that Ive requested, including an affidavit of fraud. Neither XXXX XXXX / XXXX or Stenger and Stenger have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They have not followed through and cooperated in any attempts to prove this debt is invalid and fraudulent. On XX/XX/2022 I spoke with Resurgent rep XXXX in their fraud department who admitted that they had received my requests but they had not acted on them as of yet. XXXX then assured me that they would send me the affidavit of fraud to fill out along with all of the other documentation I had requested. She told me that I must wait to receive the affidavit from them and that they would not accept a generic affidavit of fraud from any other source. As of today, XX/XX/2022 I have yet to receive the affidavit of fraud I was promised. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. Resurgent, XXXX Funding and Stenger and Stenger have all failed to follow up and answer my requests to investigate this account as fraud as per the Fair Credit Reporting Act. They have failed to provide me with an affidavit of fraud to fill out to move this along to be investigated as fraud. Their failure is negatively impacting me and needs to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The account shows closed but is currently active

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 2022-04-14 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act 1. XXXX XXXX XXXX, XXXX  Account # XXXX, has violated my rights. 

2. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

3. 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 2022-04-14 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX XXXX  XXXX  - XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, 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 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent inquiries, along with my statement ).

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 2022-04-14 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: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
Mountain Run Solutions LLC has stole my information and identity without my consent. This is my last attempt before I send a notice to sue both Mountain Run Solutions LLC and XXXX.I will also be reporting to the Attorney General, XXXX, FTC XXXX and filing for suit in Federal District court for monetary relief x3. 

After several disputes and attempts to certify and validate an alleged debt, Mountain Run Solutions LLC has violated my rights.

Mountain Run Solutions LLC has violated 15 U.S. Code 1692c, 15 U.S. Code 1692d, 15 U.S. Code 1692e,15 U.S. Code 1692g, and 15 U.S. Code 1692j.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have an account with first access and the company closed it in XX/XX/2021 due to identity theft. I have been disputing this account since XX/XX/2021 and Experian says they are disputing it and the tbXXXX XXXX says the account is open. When I call XXXX XXXX they insist that they sent a letter in XX/XX/2021. Each company is blaming each other and meanwhile 7 months later the account still remains on my credit report and my score has tanked! This is not fair and both companies are not fixing this problem! I have waited for both companies to due what is right and they have not.

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 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the XXXX time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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  Account numbers : XXXX XXXX  XXXX  - XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  Acct # XXXX have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The account shows closed but is currently active

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 2022-04-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 intrusions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and have been a victim of identity theft for over 20 years. The following inquiries viewed by others on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2022, I have sent numerous police reports to Chex Systems in regards to being a victim of identity theft and fraudulent credit inquiries and checking accounts being listed on my Chex Systems Consumer Report, and Chex Systems continues to list fraudulent and unauthorized credit inquiries and bank or credit Union checking accounts on my consumer report. I have a current police report on file with Chex Systems.

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 2022-04-14 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account ( XXXX  # XXXX, ) Account XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXXXXXX  # XXXX, # XXXX, # XXXX ) Account ( XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  # XXXX ) Account ( XXXX  XXXX  ( Original Creditor : XXXX  # XXXX ) Account ( XXXX/XXXX  # XXXX ) Account ( 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

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 2022-04-14 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account ( XXXX # 1958, ) Account XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX # XXXX ) Account ( XXXX # XXXX ) Account ( 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

Company response to consumer: Closed with explanation