vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I sent a letter to American express asking them to validate a debt that was furnished on 3 consumer reports ( XXXX, XXXX, XXXX ) .I disputed this account with all 3 consumer reporting agenciesXXXX deleted the account, XXXX and XXXX XXXX to furnish the data.I filed a complaint with the CFPB still after filing the complaint with the CFPB the account still came back verified.I found it very strange that this account keeps coming up verified so I called the CFPB and I asked how could this account be verified then I found out from the representative on the phone that credit card companies don't have to show the consumer reporting agencies any proof.So I have a letter I sent to American Express on XX/XX/XXXX asking them to validate the debt.After studying the Fair Credit Reporting Act I found out the credit card company lawfully had to respond to me.So they are way past the the 30 day markXXXXAmerican Express is in violation of 15 U.S.C. 1681i section 611 ( a ) ( 1 ) ( a ) .It says the company has 30 days to respond and if they don't respond in that time frame then under 15 U.S.C. 1681i section 611 ( a ) ( 5 ) ( A ) the item must be deleted from the comsumer report.I have attached all correspondence below.XXXX  account # XXXX XXXX account # XXXXAlso on each report American Express has 2 different addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
A united, explorer mileage plus card was opened up through Chase Bank. It was opened up in my name, fraudulently using my mothers, maiden name, and my Social Security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-12 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: LEXISNEXIS
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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:
I was never late on the account listed blow. please show me documentation showing proof of transaction showing that I was ever late to support your in accurate reporting on my account. if you can not supply this please delete this allegedly late payment from my credit report. the reason for my dispute is that this is a invalid late payment The FCRA allows 30 days for this to be rectified. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: FL

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.

US DEPT ED : XXXX, XXXX XXXX XXXXXXXX, 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 2023-05-12 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: FL

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. 

US DEPT ED : XXXX, USDOEXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
You are reporting this collection as an " OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On my consumer report ( XXXX ), I discovered an account that wasn't mine. It was a Capital One account that was at issue. I reported the fraud to XXXX, provided all the necessary evidence to support my claim, and they conducted a dispute. When the dispute was resolved, it was verified that I owned the account. I don't have a Capital One account for that much, so I know this can't be true. I don't own this account, so it needs to be deleted on my consumer report right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A credit card from Bank of America was opened in my name on XXXX XXXX. I received the card in the mail and due to the credit check to open the card, my credit score dropped as well. I also am concerned about whoever did this, doing it again. I called bank of america and they cancelled the card and told me not to worry. I am worried this was step one by someone to steal my identity.

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 2023-05-12 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: MD

Complaint narrative:
I was going through my credit report with intention of cleaning and improving it and I did some heavy research on the fair credit reporting act. I also read about if something is inaccurate on my credit report then I have the right to challenge it. Are you informed about 15USC 1681i ( a )? I believe it says if you can not provide proof this information is verified then I want this account removed from my credit report. An investigation takes 30days if the account is not verified then please remove the account. I demand the account USDOE/GLELSI to be removed from my credit report. attached to this CFPB I have the date opened is not the same with all three consumer reporting agencies and the last reported date is not accurate for all three consumer reporting agencies. Since this is inaccurate by law must be deleted from my credit report. 

15usc1681 ( a ) ( 1 ) Equifax inaccurate and unfair credit reporting shows flaws in the banking system and destroys the trust from the people which is crucial for society and the banking system.

15usc1681a ( p ) Consumer reporting agency furnishes my consumer report to 3rd parties which leads me to 15usc1681b ( 2 ) I did not give written instructions for XXXX to furnish my consumer report to 3rd parties.

15usc1681 ( 4 ) Equifax has to be accountable and respect for my right to privacy which was violated once they sent my consumer report to other 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: NC

Complaint narrative:
On my credit report, I have been challenging fraud INQUIRIES. My credit score has been negatively impacted by these false INQUIRIES, which the Equifax bureau appears to be ignored. If the INQUIRIES claim that they are mine, I have asked that an investigation be opened and that verifiable evidence be provided. ENOUGH is ENOUGH for me! How much documentation is necessary to actually get someone to do something? ASK TO VIEW THE ATTACHMENTS! NOT IN ROCK SCIENCE, THIS! I've provided the documentation you requested. ANOTHER TIME, AGAIN, AND AGAIN! This is my final resort before I discuss this with my attorneys and file a lawsuit to recover all damages and money due. Please quickly remove the INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to dispute the recent dispute results regarding the XXXX XXXX XXXX  XXXX Installment ) account that is reported on my credit report. Simply stating the account information is accurate and updating the account in the areas where I pointed out discrepancies does not verify that the account is accurate. I have tried on numerous occasions to have this ford account deleted. In the attached letter you will clearly see that this account was charged off and sold to a debt collection agency which is in the letter. You will also see the negligence of payment balance reporting of this account as well. The last payment for this account is showing as XX/XX/XXXX according to your records. From XXXX XXXX XXXX the account payment history shows as ND No Data which clearly shows and proves erroneous reporting. The attached letter shows the outstanding balance from the debt collector as {$4500.00} but the balance being reported to the bureau {$4500.00}. This clearly shows negligence and false report which is illegal. Also, this account has been charged off since XX/XX/XXXX with a balance of {$3500.00}. Even after going to court and the balance changing to {$4200.00} on XX/XX/XXXX, this charged off accounts balance should not continuously keep increasing which again shows negligence in reporting. I want this XXXX XXXX XXXX account deleted from my credit history report immediately. False reporting is illegal and for the bureaus to stand behind these illegal activities makes them just as guilty. If this account is not deleted, I will seek legal action against XXXX, TransUnion, XXXX, and XXXX XXXX XXXX for negligence and false reporting. Please provide me with an updated copy of my credit report once the investigation is complete.

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 2023-05-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to dispute the recent dispute results regarding the XXXX XXXX XXXX  XXXX Installment ) account that is reported on my credit report. Simply stating the account information is accurate and updating the account in the areas where I pointed out discrepancies does not verify that the account is accurate. I have tried on numerous occasions to have this ford account deleted. In the attached letter you will clearly see that this account was charged off and sold to a debt collection agency which is in the letter. You will also see the negligence of payment balance reporting of this account as well. The last payment for this account is showing as XX/XX/XXXX according to your records. From XXXX XXXX XXXX the account payment history shows as ND No Data which clearly shows and proves erroneous reporting. The attached letter shows the outstanding balance from the debt collector as {$4500.00} but the balance being reported to the bureau {$4500.00}. This clearly shows negligence and false report which is illegal. Also, this account has been charged off since XX/XX/XXXX with a balance of {$3500.00}. Even after going to court and the balance changing to {$4200.00} on XX/XX/XXXX, this charged off accounts balance should not continuously keep increasing which again shows negligence in reporting. I want this XXXX XXXX XXXX account deleted from my credit history report immediately. False reporting is illegal and for the bureaus to stand behind these illegal activities makes them just as guilty. If this account is not deleted, I will seek legal action against XXXX, XXXX, Equifax, and XXXX XXXX XXXX for negligence and false reporting. Please provide me with an updated copy of my credit report once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TN

Complaint narrative:
Equifax refuses to remove or correct an account from Absolute Resolutions showing the account open. Absolute Resolutions requested them to correct the issue and remove the account and they have not. I contacted them via recorded call they have failed to address the issue and claimed they did not consent to recording after a statement that the call may be recorded. I would like this account closed and removed from my report as requested by XXXX XXXX XXXX To equifax . Equifax has stated in dispute that information is accurate on at least 2 occasions but can not provide proof they actually investigated it properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: LA

Complaint narrative:
On XXXX I made 2 orders from XXXX via Cashapp. There was a pre-authorization hold placed on my account at that time. The order transactions have been fully completed but due to an overcharge on the holds I now have 2 " pending '' transactions on my cashapp account that Cashapp is totally refusing to deal with or handle. They keep telling me to contact the merchant ( XXXX ) which I have done SEVERAL TIMES and have been given proof that the merchant has sent cashapp the codes required to release these holds from my account. Said proof has been given to Cashapp SEVERAL times and they are STILL refusing to release the " pending '' transactions and put the money back into my account. This is an ongoing issue with Cashapp and several thousand customers are having this same exact issue, as proven by complaints with the XXXX  and several other agencies. This needs to be handled and Cashapp needs to held accountable for their failure to handle customer complaints, and their failure to properly handle their customer 's money. 
Attached to this complaint are screenshots of the conversation ( every one is copy and paste replies from them on the SEVERAL times I have attempted to have them handle this )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
After transferring {$80000.00} to Apple Savings XXXX XXXX, by XXXX XXXX ), I decided to move the funds back to my XXXX XXXX XXXX account. The transfer was made on XX/XX/23 and was supposed to take 3 business days to clear. On XX/XX/23 the transaction has still not cleared. XXXX  XXXX XXXX hasnt seen any attempt to transfer the funds. Apple Savings still shows the transfer as in progress. The funds no longer show up in my balance. It is like {$80.00} disappeared into a void. I have spent an hour on the phone with Apple Savings specialists at XXXX. They were extremely unhelpful and even tried to shift the problem to XXXX  XXXX XXXX. I was supposed to receive a follow up call on XXXX with additional help and nobody called. Furthermore, I would like to note that I received zero communications or alerts about the status of my transfer. Given the amount of funds, this feels very irresponsible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12 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:
I recently received a copy of my credit report and found inaccuracies on the XXXX account. This account is closed and is showing late payments.

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 2023-05-12 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: NV

Complaint narrative:
I recently received a copy of my credit report and found inaccuracies on the XXXX account. This account is closed and is showing late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest credit XXXX XXXX XXXX Ste XXXX XXXX, TX XXXX XXXX credit calls multiple times back to back from multiple different numbers, disguising as random numbers to my cell phone AND work phone. I can not get anything done based on the multiple calls back to back. This has happened for the last three weeks straight every day. I have asked him to stop calling me. This is causing me stress and harm and risking losing my job because of the multiple back to back calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I was trying to purchase a teacup yorkie from a breeder. We had sent emails to eachother somehow during our conversation s someone was able to hack into what I thought was her website. There was a down payment involved. I was sent a XXXX  link to use with PayPal to send money to cover the down payment. My PayPal account was linked to my XXXX XXXX XXXX card.I sent the payment which I thought was going to the breeder but she said she never sent me that XXXX address. This XXXX person got sent my {$300.00}. I dont even know this person and Im not use to dealing with PayPal anyway. Breeder didnt get her money but this other person did. I contacted the XXXX  card company they said it hadnt posted yet so I couldnt dispute it yet. Ive also complained to PayPal but not getting too far with them. Please help me try to recover my money. Thanks

Company response to consumer: Closed with monetary relief