vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 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: 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.

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 inructions 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 2023-09-26 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: Experian Information Solutions Inc.
State: TX

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 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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are Unauthorized Inquiries on my credit report. I want them to removed from my credit 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 explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CULLEN/FROST BANKERS, INC.
State: NC

Complaint narrative:
Fraudster impersonating as XXXX XXXX support used our XXXX to download XXXX and XXXX and made us withdrawal transactions in order to reverse some charges we did not authorize using our debit cards linked to XXXX XXXX XXXX XXXX. The XXXX transaction receipt we acquired is as follows : FROST BANK XXXX XXXX  Reference Id : XXXX Withdrawal amount : {$3900.00} on XX/XX/2023 @ XXXX XXXX XXXXXXXX Recipient : XXXX Card holder ending in XXXX, expiration XXXX Filed Police Report Number : XXXX XXXX Police Department XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act # 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 explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS
State: NJ

Complaint narrative:
XX/XX/2023 I received a copy of my Lexis Nexis credit file and discovered inaccurate and illegal information listed in my file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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:
I would like my account to be updated as paid as a great Account number XXXX my account has never been late but yet the credit bureau saying I am late for XXXX and XXXX which one is it By law, my account should be reporting 100 % accurate. This account is in accurate. Please update to paid as agreed are OK.

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 2023-09-26 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: FL

Complaint narrative:
COMPANY IS PAST 45 DAYS WITHOUT VALIDATION 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 non-monetary relief
Consumer complaint received 2023-09-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
COMPANY IS PAST 45 DAYS WITHOUT VALIDATION MY CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a checking account on Chase, and on the day of XX/XX/, I checked my account received an alert saying my accounts will be closed shortly. And I immediately called the customer service, the agent said I will receive my check within 10 business days of my account closure. But today XXXX XXXX, XXXX, I called Chase customer service again to confirm when will I receive my funds, the agent says she couldnt confirm when can I receive it, the funds is on hold for authorize but didnt ask me for any proof. I would need it for normal living and paying the rent and paying the credit card. I understand Chase decided to close my account, but why couldnt I having my money back while its only about XXXX from my employers direct deposit and my personal used items sales also currency exchange. I need to pay the debt I have and my rent and my credit card or my credit would also be affected. I saved these funds in last 3 years since I started working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: EQUIFAX, INC.
State: GA

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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX has tried to refund my return and this company says nothing about having to call them for a simple return of items bought with the card. Any other prepaid is not like this hassle sending what the person that helped you looked like there name and hair color. Those may have not been the exact wording but I felt like the police were checking me for credit card fraud. This is a on going problem with this company and XXXX  shows that clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
The address reported was never an address of mines, in addition I never gave Santander any written consent to share any of my personal information with any agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: TX

Complaint narrative:
I was doing some investing on the CASH APP platform.and suddenly they stopped 4 payments of mine equal to the amount of a Lil over XXXX dollars.with no reason they did not give me my money back I have called numerous times have talked to so many workers of cash app. But they can not tell me nothing other then it's under investigation. And as soon as I start asking questions they hang up on me.i have all this documented.going on over 2 months now and nobody can tell me nothing.now I am in debt because they stopped payments with out my authorization so now I owe the company to which the money was sapose to go to.they should have never stopped my payments and since they did they should ha e returned my money to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: FL

Complaint narrative:
I sent money from my XXXX bank account to CashApp. Initially, XXXX blocked the transaction, but after verification, they released the funds. The money was deducted from my XXXX account but was never deposited into my CashApp account. I filed a claim with CashApp, but they stated that they never received the funds and advised me to address the issue with my bank. I initiated a dispute with my bank ( XXXX ), but I have yet to see the funds returned to my account. Additionally, CashApp deducted XXXX dollars from my account, leaving me with a negative balance of XXXX. I contacted CashApp support, and they informed me that the XXXX dollars had actually been deposited into my account. I refuted this claim by providing a screenshot of my statement, which did not show a XXXX deposit in XXXX which I had disputed. The customer service representative stated that there was nothing they could or would do for me and advised me to take the matter up with my bank once again. I am out XXXX dollars total for this ( XXXX from bank at XXXX and now negative XXXX at CashApp ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Attached is a document showing the offer that was given to me. I clearly chose and accepted option A and made payment as requested in the full amount of offer. I also attached a document showing where and how payment was made in the amount of {$330.00} on or about XXXX XXXX. Payment was made on Southwest Credit online payment center.

Today I received a phone call from Southwest Credit stating they are calling to collect a debt!!! I told him about the offer and what I paid and my account is now resolved. I dont know what XXXX and Southwest Credit are doing but they need to get their act together. He went silent and I hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-09-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-09-26 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/23 I placed an order through Afterpay for some items from XXXX. After pay breaks your payments down into 4 payments 1st the deposit with comes out immediately then 3 additional payments. The problem is all the items were not paid for, therefore I am unable to receive them. I have been trying to contact Afterpay for days with no success. I have also contacted XXXX several times who said its nothing they can do, and they dont have a contact number for Afterpay either. Why is such a company in existence thats not mandated to communicate with vendors, and customers yet they are allowed to withdraw funds out of your account thats not owed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
fraudulent inquiries and name on my credit report, and the credit bureaus are reporting it without a permissible purpose. The inquiries and name are listed below : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: TX

Complaint narrative:
fraudulent inquiries and name on my credit report, and the credit bureaus are reporting it without a permissible purpose. The inquiries and name are listed below : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Recovery Agency Inc.
State: IL

Complaint narrative:
I was contacted by XXXX XXXX, agent XXXX from Accounts Recovery on behalf of XXXX XXXX XXXX XXXX. 
XXXX XXXX advised that he would be taking legal action against for me for a debt from XX/XX/2015 in the amount of {$1200.00}. 
I asked for a copy of the loan agreement and details so that I could file a police report. 
XXXX XXXX advised that he did not have this information. 
I then requested that he not contact me further and ended the call. He called an additional 3 times in a 5 minute period.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-26 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: NY

Complaint narrative:
I would like my account to be updated as paid as a great Account number XXXX my account has never been late but yet the credit bureau saying I am late for XXXX and XXXX which one is it By law, my account should be reporting 100 % accurate. This account is in accurate. Please update to paid as agreed are OK.

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