vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: DE

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, Account name : 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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: NY

Complaint narrative:
XXXX XXXX - XXXX This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: NY

Complaint narrative:
XXXXXXXX XXXX  - XXXX This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc
State: IL

Complaint narrative:
BlockFi not releasing funds in owners wallet. BlockFi stopped withdrawals but the terms state that we own the assets in our account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: NY

Complaint narrative:
see attachments Information is not accurate and fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: DE

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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 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 non-monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
This is Cashapp..my friend sent me {$270.00}, she showed me transaction completed the ID and screenshot it to me..Cashapp said may be wrong account and i have only ever had XXXX account so where is my XXXX They claim they dont see that transaction id so it disappears cause I didnt get it and I have no contact with the young lady

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I originally filed a complaint with the CFPB regarding a verification letter that I sent to and was received by Equifax on XX/XX/2022. CFPB Complaint # XXXX. In the letter, I requested verification of a Bankruptcy item, and I also requested the Method of Verification as well. 

Equifax exceeded the maximum amount time of 30 days in which to respond. They failed to respond until after I filed my complaint at which time, they opened an investigation when they should have deleted this item pursuant to the FCRA. 

Now they are claiming as no XX/XX/2022 they verified this item to be accurate. This is no doubt, a violation of the FCRA. It is clear that courts do not report to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: DE

Complaint narrative:
The loan was a very big amount for a pair of glasses and it was between covid times, i XXXX fired and sick and this loan really impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
On XXXX XXXX I noticed an amount of {$320.00} that was garnished from my paychecks. Regarding an Earnings withholding order from XXXX XXXX. I was unaware of this credit card being opened under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: GA

Complaint narrative:
This debt was charged-off with the IRS by original creditor, which was XXXX XXXX XXXX XXXXy Bank admits to selling the debt to CREDIT CONTROL , LLC. XXXX XXXX also admits to no longer pursuing the debt, so there is no debt to pursue as my ending ledger balance with them is {$0.00}. 
However, here enters an interloper, CREDIT CONTROL , LLC, unauthorized to contact me, with demands for me to pay them a debt not owed to anyone, much less them because we have no standing contract in place, and never did. I have never heard of them but they call and harass me constantly as well as send numerous letters. 
I have written them to dispute this debt, and also requested validation as that is my right, and have yet to hear from them. please notify them that they are in violation of the consumer protection laws, and see that I am justly compensated for my hardship. 
Thanks!

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 2022-11-20 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: GA

Complaint narrative:
After looking over my consumer report, I see that my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion is reporting late payments on multiple accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates.

I at no time gave TransUnion written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. the reporting of these late payments are not accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to 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 2022-11-20 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: NY

Complaint narrative:
see attachments XXXX is not accurate and fraudulent

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 2022-11-20 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: NY

Complaint narrative:
see attachments Information is not accurate and fraudulent

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 2022-11-20 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: TX

Complaint narrative:
Theres an account reporting to my report that doesnt belong to me

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 2022-11-20 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: NY

Complaint narrative:
I have submitted several disputes regarding this issue!! I received a letter from Equifax dated XX/XX/2022 stating that they have verified this alleged XXXX  with XXXX XXXX and XXXX XXXX XXXX XXXX. Meanwhile I received a letter from XXXX XXXX on XX/XX/2022 stating that this XXXX XXXX has been removed due to incorrect information. I also received a letter from the XXXX XXXX  XXXX stating that they do not verify any information with credit bureau 's. I submitted a complaint via CFPB and EQUIFAX AGAIN!!!!! stated that they have VERIFED this account!! WHICH IS IMPOSSIBLE!!!! Equifax is now in violation of several consumer laws! I did not receive a fair investigation and they are failing to follow proper dispute procedures according to FCRA guidelines. They are not furnishing and reporting inaccurate information and according to 15 USC 1681s-2 ( A ) ( 1 ) it states that 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. I have the right to an accurate credit report. I also have the right to seek damages for violations according to FCRA. If this is not removed, I will be seeing legal counsel for Willful violations. 
I have attached correspondence from Equifax, XXXX XXXX  and The XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
Square pocketed XXXX from my business account and never returned my money back to me there was no reason for them to keep it. i have already liened Square for 1,000.00 Square resulations team say the refund would take up to 7-10 business days and i never resieved it back from them my orgional address that i used from them with this account was XXXX I never got the money back from them, this is fraud 100 percent they have a history of doing this to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Payfare International Inc.
State: CA

Complaint narrative:
I currently work with XXXX XXXX XXXX XXXX. On the XXXX of XXXX i finished my XXXX XXXX XXXX XXXXXXXX. Went to a gas station and bought gas. My balance from that was : XXXX XXXX XXXX At this point my account did not reflect the difference of XXXX I continued to work and ended with an additional + XXXX I also added XXXX from my attached savings account. 
So at the end of this session i should have had XXXX + what was already in my account. 

I sent XXXX which brings my new balance to XXXX But at this time i had a balance of XXXX Which was in there already. 
The XXXX was processed the next day But still that doesnt reflect the difference in the initial deposit minus the gas purchase, with the additional dashes theres still a difference. 

I spoke with XXXX  that night they said they see missing funds on their end call back tomorrow. 
No this is this XXXX i called back she says there still processing it try back tomorrow. 
Now the XXXX i call back and speak with a gentleman that went thru the transactions from that XXXX till now and it was his determination that XXXX was missing. 

He transfered me to payfare which is XXXX payment processor. 
The 1st woman i spoke with tried to only address todays activity on my statements. Soon she put me on a hold and the phone magically disconnected. 
Ok just my luck i attempted to call back got in touch with a new gentleman that slightly went thru the statements and told me that i was XXXX fault call them back and get your money. 
I aske to speak with a senior customer service representative and he proceeded to overtalk me and hung up the phone... 

This complaint arrouse from payfares and or XXXX negligence to actively locate my funds. Someone is playing games but im XXXX this type of activity is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
This is on a Bank of America Visa. Interest is charged after balances are paid off for multiple months. Payments are applied inappropriately to non-interest bearing balances instead of interest bearing balances to maximize interest charges. It's a complicated calculation with the combination, but interest never decreased when payments that equalled the previous month 's purchases were paid. If payments were short {$2.00}, interest was charged on all purchases, not just the portion that wasn't paid off. Multiple calls were made and a detailed calculation of how they got the interest each month were requested so I could audit it, and at one point the customer service representative laughed at me. At no point did they ever assist me in fully understanding the interest I was being charged. I decided to cut my losses and I have paid this card off except for non-interest bearing balances. I also stopped using this card with only a few missed charges going through in XXXX and XXXX. Auto pay is set up to pay the remaining balance each month. These auto payments are more than the couple of charges I accidentally made on this card, but somehow they managed to charge me interest for these. It was minimal, but should not have happened, at all, which leads me back to believing that they have been fraudulently charging interest on everything.

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 2022-11-20 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2022-11-20 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Theres an account reporting to my report that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I canceled three warranties and on XX/XX/XXXX XXXX XXXX mailed out two checks. One was for {$3700.00} and the other was {$1400.00}. On XX/XX/XXXX, XXXX XXXX  XXXX received another check from the dealership in the amount of {$1700.00} for two other warranty policies that where canceled. I received two statements for XXXX and XXXX saying I have no payments due ; therefore, I did not pay for those months. On XX/XX/XXXX, someone from XXXX XXXX XXXX told me I was late for two months and that my statements was incorrect. Now they reported me late and my credit dropped XXXX XXXX XXXXhis is not fair to me or my credit that they sent me no payment due statements and now trying to backtrack saying I owe. I had a XXXX credit score now I do not because of there negligence. Also, they are saying I owe {$2800.00}. This is causing me XXXX XXXX and XXXX XXXX  because now I have to worry about them repossessing my car and I have XXXX XXXX I have to get back and forth to work and take my children to school and daycare. This is not fair, and now my credit is hurting. I will sue if it is not removed from my credit because this is violating my consumer rights! This is XXXX XXXX error!

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 2022-11-20 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXXL 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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