vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am invoking my specified remedy as the original creditor and the consumer. I have attempted to resolve this matter with Transunion by disputing incomplete/inaccurate information. Proof of this dispute can be found via XXXX XXXX Mail - XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/17 I was scammed by someone using Cash App. The posed as a XXXX XXXX  and managed to get a total of {$500.00} from me. As soon as I realized this was fraudulent I notified Cash App. Cash Apps customer service is XXXX XXXX person said they'd investigate and refund. XXXX person said I'd never get my money back. Another said I would but it would take XXXX XXXX! Another said that reporting fraudulent transactions to Cash App is more about them learning to prevent them and that they will do nothing to help you. Meanwhile scammers run rampant on cash app because they know they are welcomed there. This loss of {$500.00} has caused me to become XXXX  and still Cash App does nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: MA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: MA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX # XXXX XXXX ACCNT # XXXX XXXX ACCNT # XXXX  XXXX XXXX  ACCNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 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: RI

Complaint narrative:
I am reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the information to be reported on my consumer report. I am requesting that this information be blocked and deleted from my report. My request to block is not made in error ; nor is my request being made on the basis of material mis representation. The identified transactions are copyright infringement as they do not have my consent to use my copyright trademark for any reason. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you

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 2022-12-26 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: RI

Complaint narrative:
I am reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the information to be reported on my consumer report. I am requesting that this information be blocked and deleted from my report. My request to block is not made in error ; nor is my request being made on the basis of material mis representation. The identified transactions are copyright infringement as they do not have my consent to use my copyright trademark for any reason. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
They have violated multiple federal violations including asking me for down payment threw an already approved loan with credit. You have greatly ruined my credit just off your company alone. You have put me in emotional distresss right now as we speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  has yet shown any competent evidence bearing any signatures that I do in fact have or ever had contractual obligation to PAY THEM! I do not owe XXXX XXXX XXXX any alleged debt and this is a violation of the Fair Credit Collection Practice Act FDCPA 807 [ 15 USC 1962e ] ; all credit reporting agencies delete entry! 

Transunion - consumer collection service alleged {$86.00} XXXXXXXX XXXX XXXX XXXX for alleged {$86.00} ; alleged {$820.00} XXXX XXXX XXXX XXXX for alleged {$86.00}

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 2022-12-26 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: FL

Complaint narrative:
XXXX XXXX XXXX has yet shown any competent evidence bearing any signatures that I do in fact have or ever had contractual obligation to PAY THEM! I do not owe XXXX XXXX XXXX any alleged debt and this is a violation of the Fair Credit Collection Practice Act FDCPA 807 [ 15 USC 1962e ] ; all credit reporting agencies delete entry! 

XXXX XXXX XXXX XXXX XXXX  alleged {$86.00} XXXX XXXX XXXX XXXX for alleged {$86.00} ; alleged {$820.00} Equifax- XXXX XXXX XXXX for alleged {$86.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I was scammed through facebook of the group page XXXX XXXX XXXX XXXX for adoption. I was offered to be delivered a puppy with the charge of total {$1300.00}. The adoption fee is {$800.00}, deliver fee is {$100.00} and the insurance is {$500.00}. I transferred the money with XXXX to the person name Et XXXX XXXX and XXXX XXXX. Their email are XXXX and XXXX There are total of 3 transactions on XXXX XXXX and XXXX XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX XXXX at aprox XXXX i deposited {$800.00} into the atm at regions bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX the deposit never went thru and the atm took {$400.00} & spit out the remaing {$400.00}. i called the XXXX number on the back of the card and filed a dispute as soon as it happened. they credit my account for the {$400.00} but after the investigation the bank claims the atm was in balance and decided to take the {$400.00} back. i called the bank and spoke to XXXX the branch XXXX and asked her to write a ticket for the surveillance camera from the atm to be reviewed so she can clearly see me trying to grab my money and if the canera has speakers u can hear the atm gargaling the rest of the money. also you can clearly seeanother car comes behind me like XXXX min later and do something fishy as if there was a credit card scimmer installed there. but she claimed nothing could be done.

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 2022-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
To whom it may concern, i am writing because i have been trying to correct an era on my XXXX credit report and have written many disputes asking for validation and/or removal of the alleged debt and have received little to no acknowledgement so i decided to reach out to the company XXXX/COMENITY/XXXX who gave the data to the CRA with the little bit of information i have on them which is just a XXXX XXXX XXXX XXXX and no phone number. I asked them for validation of the debt i.e. original signed contracts or something to verify the unknown debt. My letter was received on XX/XX/2022 and signed for by a XXXX XXXX but i have not received a response of any sorts from XXXX, XXXX/COMENITY/XXXX or XXXX XXXX nor was my credit report notated as being in dispute or the items removed. XXXX and XXXX have removed the inaccurate and unverified items but XXXX has yet to even acknowledge the ERROR. I have been trying to resolve this matter for months but i am being ignored and my rights are being violated. My next step is to take legal action to correct the unjust harm being exacted upon me and my well being. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: FL

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: Self Financial Inc.
State: FL

Complaint narrative:
Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: MA

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 XXXXXXXX XXXX XXXX XXXX XXXX  ...., Account name : XXXX XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXXXXXX... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX .... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 

has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 XXXXXXXX XXXX 

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 2022-12-26 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: PA

Complaint narrative:
I contacted the creditors for them to remove these accounts. NO COMPLY

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 2022-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-26 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 5XXXX U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report..

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

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 2022-12-26 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: NJ

Complaint narrative:
I noticed a few accounts on my report that I do not recognize

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 2022-12-26 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: NJ

Complaint narrative:
I noticed a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation