vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I have sent many Disputes to Equifax concerning an account with XXXX XXXX XXXX, XXXX XXXX XXXX  has always verified information about this account. I have contacted XXXX XXXX XXXX Bank to request a Payment History and XXXX XXXX Bank was unable to provide a Payment History for this Account, they could not find the account. The account information is taken from an Equifax credit report dated XX/XX/XXXX, Equifax Confirmation number is XXXX. The account number in question is XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
According to the report from Equifax the account was opened XX/XX/XXXX. The Terms Duration is left blank with no information ( Error 1 ). Months Revd is 99 This is incorrect ( Error 2 ). Amount Past Due is left blank ( Error 3 ). Actual Payment amount is left Blank - incomplete ( Error 4 ). Scheduled Payment Amount left blank inaccurate ( Error 5 ). Date of last activity was XX/XX/XXXX, Date of Last Payment was XX/XX/XXXX how can you have a payment after what is supposed to be the last activity a month later - incorrect information ( Error 6 ). This account was opened from XX/XX/XXXX with the last payment showing as XX/XX/XXXX. How can an account that was open 4 years and 1 month have a reported Account History with only 2 months - XX/XX/XXXX and XX/XX/XXXX showing ( Error XXXX ). By law FCRA, Section 609 and 611, XXXX XXXX XXXX  and Equifax are required to report information accurately. Information is incorrect, missing, inaccurate from both companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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:
I hope you can help! I reached out to the credit bureaus on XX/XX/2023 and haven't received a response! Information is still incorrect and violates my rights! My understanding Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX XXXX. Validate Account Please investigate and delete from my credit report. 
XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope you can help! I reached out to the credit bureaus on XX/XX/2023 and haven't received a response! Information is still incorrect and violates my rights! My understanding Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX XXXX. Validate Account Please investigate and delete from my credit report. 
XXXX XXXX Account 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 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
Ive tried disputing scams and unauthorized transactions multiple times and cashapp support provides a lack of customer service or support period. They dont fully investigate like they are supposed to and Im out of {$1600.00} due to a scam that I need reversed in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These addresses should be blocked and removed from my credit profile.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove these address reports from my credit profile.

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 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc.
State: AR

Complaint narrative:
I have been charged twice for 3 transactions from XXXX. One was on XX/XX/XXXX ( {$98.00} ), another on XX/XX/XXXX ( {$370.00} ) and the last one was on XX/XX/XXXX ( {$110.00} ) which is a total of {$590.00}. I was notified on XX/XX/2023, that XXXX updated my 3 transactions this morning and my balance went from {$1300.00} to {$720.00} ( {$590.00} missing ). I called XXXX and they told me that they didnt update any of my transactions today and that I didnt owe anything. I spoke to 3 customer service reps that work for XXXX and they said Cashapp has been having a system issue where they are processing old transactions that are about a month old and saying XXXX is the cause. They have been getting calls for the last week from other customers with the same issue. So I called Cash App, and the first rep told me it was XXXX who never received it and thats why my money is missing. The second Cash App rep told me it was not Walmarts fault its actually Cash App. The last customer service rep I spoke to told me that it was never deducted from my account even though it was. 

Below I attached proof that not only did I pay those amounts and they were deducted out of my acct but also proof from XXXX stating that it is Cashapp 's fault. 


The screenshot of the messages I received from Cashapp let me know how much was deducted from my account from XXXX and when. The one on XX/XX/XXXX was originally {$450.00} then was updated to {$370.00}, which XXXX refunded me the difference of XXXX on the XXXX of XXXX. The screenshot of the message I received on XX/XX/XXXX was confirming that I spent {$120.00} the was updated to XXXX and they refunded me the difference. 


I also attached proof that Im not the only one missing money and havent got it back. Its all over the internet of Cash App stealing people 's money and either saying XXXX never received it or that XXXX did receive it, Cash App just never took it out of their account. I already paid for everything over a month ago, all {$590.00} worth. The issue is with Cash App, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Identity theft alert has been placed on my credit reports due to information being shared and stock through data breaches and dark web exposure. There are fraudulent accounts and inquiries listed on my credit reports. XXXX, Equifax, and XXXX have reported accounts that are fraudulent from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: FL

Complaint narrative:
Identity theft alert has been placed on my credit reports due to information being shared and stock through data breaches and dark web exposure. There are fraudulent accounts and inquiries listed on my credit reports. XXXX, XXXX, and Experian have reported accounts that are fraudulent from 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 2023-05-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following account has been paid but XXXX, XXXX, and Equifax have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$960.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION. 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. 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 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 2023-05-09 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 — Was not notified of investigation status or results
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 federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following account has been paid but XXXX, Experian, and XXXX have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$960.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION. 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. 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 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
These addresses should be blocked and removed from my credit profile.

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 2023-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I've been contacting Bridgecrest and the credit reporting agencies for over a year now trying to get correct documentation to verify this debt, and even offered to pay them. I have not received any responses back over the past year. I gave them time considering the pandemic, but they have yet to respond. I'm attaching all of the letters including the certified mail return receipt notices from USPS. For proof I've also attached a copy of the XXXX XXXX XXXXXXXX So, since I have not received a response, the company and the credit reporting agency have violated my consumer rights and I would like to have this account removed from credit report with no balance owed, seeing as though I also offered to pay them. They also never put the account in dispute status none of the times that I've disputed the account, and that is a violation of my consumer rights as well.

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 2023-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Mobiloans, LLC
State: KY

Complaint narrative:
I applied for an online installment loan. Was approved for up to {$1500.00} so it asks how much I pick {$1500.00}. Just trying to find out what my monthly payment would be what my interest rate would be and click continue without showing me any of that information it automatically tells me that the money has been funded still no information on monthly payment or interest. I'm immediately on XX/XX/XXXX right after it said it was funded I immediately contacted them telling them that I was not interested that I was just trying to get my quote for my interest rate and monthly payments. And now they charge me {$170.00} twice a month when I can't afford twice a month payment I'm on XXXX which is noted on the application the interest rate is astronomical but I still don't even know what it is because they never sent me that information or gave me an opportunity to review it.. I think they should have to lower my interest rate to what my States legal limit is because like I said I don't know what rate they gave me but it is astronomically High and should be illegal especially to not disclose it to somebody before they submit because even when I did click an area that might tell me what it would be it only gave me examples not what mine specifically would be. I think they should have to knock my interest rate down to at least 26 % that my state would allow. And also make my payments once a month instead of twice a month. They should also have to stop reporting it to my credit report because I did not agree on this loan overall they should just completely wipe the loan out because I never agreed on their terms they never showed me the terms I have a copy of their email responding to me that it had all been canceled and that I would not be charged anything I have that email

Company response to consumer: Untimely response
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i have appealed my credit report to the credit report agencies for numbers of despute. Bi law credit collectors must notify me bi either phone or bi telephone and assumption of notification does not validate contact. yet after providing portfolio recovery with a court document stating that at the time of purchase the letter they mailed to the po box one of the addresses in my credit report i no longer had access to the box as i was in prison arrested on XX/XX/XXXX XXXX as shown on the court disposition i provided. Also to further validate that communacation was not made there is a felony conviction on my credit report that showed i was in prison on XXXX XXXX. Arrested on XX/XX/XXXX sentenced on XX/XX/XXXX no communication was mad to any correctional facility and that is not my responsibility it was the responsibility of the debt collector as they assume all responsibily. this XXXXne reason of violation of consumer rights they also violated consumer rights as i recquested every sigle detail on my debt as payments contract as i never have entered into debt with XXXX XXXX so i am entitled bi law to review for inspection every single detail of that debt includint and not limit to binding contract and payment history and amount the only thing fowarded bi XXXX XXXX was a piece of paper with my name a few dates and a letter stateing they purchased the debt in a time i was incarsarated and the address is not where i lived. these three violation of consumer law must be addressed between them and the credit borreaus as they are illegally reporting on my credit when they have no legal claim and are causing me hardship

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have appealed my credit report to the credit report agencies for numbers of despute. Bi law credit collectors must notify me bi either phone or bi telephone and assumption of notification does not validate contact. yet after providing XXXX XXXX  with a court document stating that at the time of purchase the letter they mailed to the XXXX XXXX XXXX of the addresses in my credit report i no longer had access to the XXXX as i was in XXXX XXXX on XX/XX/XXXX XXXX as shown on the court disposition i provided. Also to further validate that communacation was not made there is a XXXX XXXX on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX no communication was mad to any correctional facility and that is not my responsibility it was the responsibility of the debt collector as they assume all responsibily. this one reason of violation of consumer rights they also violated consumer rights as i recquested every sigle detail on my debt as payments contract as i never have entered into debt with XXXX XXXX so i am entitled bi law to review for inspection every single detail of that debt includint and not limit to binding contract and payment history and amount the only thing fowarded bi XXXX XXXX was a piece of paper with my name a few dates and a letter stateing they purchased the debt in a time i was XXXX and the address is not where i lived. these three violation of consumer law must be addressed between them and the credit borreaus as they are illegally reporting on my credit when they have no legal claim and are causing me hardship

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 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
FRAUDULENT ACCOONTS WERE ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIEVED ANY GOODS OR SERVICES FOR THESE FRAUDULENT ACCOUNTS AND INQUIRIES

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 2023-05-09 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: EQUIFAX, INC.
State: TN

Complaint narrative:
FRAUDULENT ACCOONTS WERE ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIEVED ANY GOODS OR SERVICES FOR THESE FRAUDULENT ACCOUNTS AND INQUIRIES

Company response to consumer: Closed with explanation