vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 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: CA

Complaint narrative:
I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$440.00}.

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 explanation
Consumer complaint received 2023-03-31 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXXXXXX acct # XXXX has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: VA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, NMAC has received and responded to 8 electronic credit disputes in which XXXX XXXX is claiming fraud. The investigation has gone to almost 2 years without being completed. The account was accepted as fraudulent, the original creditor was notified and agree, but had not received any updates to XXXX XXXX consumer report. This account had been a major impact to my everyday life and causing a lot of issues. I suggest all XXXX credit report agencies complete their investigations and give me my life back. 
Also, ID theft was also filed with the FTC back in XXXX but they seem to ignored it.

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 2023-03-31 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: VA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, XXXX has received and responded to 8 electronic credit disputes in which XXXX XXXX is claiming fraud. The investigation has gone to almost 2 years without being completed. The account was accepted as fraudulent, the original creditor was notified and agree, but had not received any updates to XXXX XXXX consumer report. This account had been a major impact to my everyday life and causing a lot of issues. I suggest all 3 credit report agencies complete their investigations and give me my life back. 
Also, ID theft was also filed with the FTC back in XXXX but they seem to ignored it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: TX

Complaint narrative:
I submitted a dispute to the Bureau and they responded with I needed to provide information that they have already reported on the report such as - ACCOUNT NAME, ACCOUNT NUMBER, DATE OPENED, BALANCE-which I provided by attaching the dispute letters that I sent to the Bureau which I provided in the letter. This is the second time that they responded with the same EXCUSE! They have violated the FCRA and my consumer rights. This is nothing more than a STALLING TACTICT by the BUREAU.

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 2023-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX, me and Captial One Auto Loan coming up with a settlement on my auto loan that I volunteered to turn in my XXXX XXXX XXXX XXXX in XX/XX/XXXX, due to me suffering a XXXX XXXX on XXXX and on XX/XX/XXXX I suffered a major widow maker XXXX XXXX which my XXXX was closed 100 % then I suffered another XXXX XXXX on XXXX XXXX. Captial one refused to help me so I volunteered turn my truck in. 
XXXX XXXX I tried logging in to pay my monthly settlement amount but when I tried updating my new phone number I denied access, then this morning on XX/XX/XXXX I called Captial one to try to gain access to account and I was denied again and kept being transferred to different people and they all said I was denied because my phone number was not in my name and I advised my phone number is registered to the co-signer on the loan and its been like that since XXXX and every since I had dealings with Captial one and I advised them I will not be giving my bank account information to nobody especially if I cant see where my money was going.. When the co-signer got off work I had her to Captial one to help me gain access to my account so I can pay my monthly settlement amount we was on the nearly two hours, and while the co-signer was on the phone with themI signed into my Captial one app, I was allowed to change my phone number and update my bank information, CAPTIAL ONE ENDED UP VIOLATING MY CONSUMERS RIGHT AND THE XXXX AND BRENCHED MY PERSONAL ACCOUNT INFORMATION BY APPLYING ALL MY BANK ACCOUNT INFORMATION TO THE CO-SIGNER ACCOUNTS WITH CAPTIAL ONE AND GIVE ACCESS TO PAY HER BILLS WITH CAPTIAL ONE WITH MY XXXX XXXX XXXX XXXX ACCOUNTI HAVE PROOF OF THIS AND THESE ARE THE NUMBERS I CALLED FROM XXXX XXXX XXXX and XXXX XXXX XXXX.THIS IS Retaliation from me filing against them in XXXX of XXXXALSO WE WAS TRANSFERRED TO THE FRAUD DEPARTMENT OF XXXX XXXX TODAY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a dispute to the Bureau and they responded with I needed to provide information that they have already reported on the report such as - ACCOUNT NAME, ACCOUNT NUMBER, DATE OPENED, BALANCE-which I provided by attaching the dispute letters that I sent to the Bureau which I provided in the letter. This is the second time that they responded with the same EXCUSE! They have violated the FCRA and my consumer rights. This is nothing more than a STALLING TACTICT by the BUREAU.

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 2023-03-31 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: NY

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.DIVISION IF CHILD SUPPORT : 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 2023-03-31 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:
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.DIVISION IF CHILD SUPPORT : 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 explanation
Consumer complaint received 2023-03-31 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: CA

Complaint narrative:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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:
I have sent multiple letters to XXXX, TransUnion and XXXX regarding inaccurate and unknown things on my credit report dating back to XX/XX/2022 and none of these items have been resolved. And at this point I feel as if my credit is being taken advantage of or that my disputes are not being acknowledged/ ignored. 

Section 611 ( a ) it is plainly stated stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been well over 60 days, so they should be deleted promptly. I DEMAND these accounts be deleted IMMEDIATELY or I will file litigation do to the stress and mental harm that this has caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I am also a victim of the XXXX XXXX breach. 

I have attempted to resolve this issue for months with the credit bureaus and I have not been able to resolve this issue. CFPB is my last resort and I hope that you are able to assist and put an end to this lengthy process.

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 2023-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-31 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 canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
An account seems to have been opened in my name as : XXXX XXXX XXXX with Comenity Capital Bank. According to USPS informed delivery I was supposed to receive a letter from Comenity Capital Bank on XX/XX/2023 but that item of mail was removed from my mailbox before I was able to collect it. An image of the missing item of mail is attached I tried to call the Comenity hotline but reception was unintelligible. I believe someone is trying to use my name for the purpose of credit fraud. I have already placed a freeze on my Credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XX/XX/2017 a XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$160.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am disputing the accuracy of the inquiries on my credit report, as I have reason to believe that they are fraudulent. Upon reviewing my credit report, I found several inquiries that I did not open nor have any knowledge of. The following inquiries appear to be fraudulent : XXXX date of inquiry XX/XX/20XXXX XXXX date of inquiry XX/XX/2021. I want to make it clear that I did not authorize these inquiries to be opened, nor did I give anyone else permission to open them on my behalf. It is possible that I am a victim of identity theft, and I am taking appropriate steps to report this to the authorities. I am requesting that you investigate these inquiries as soon as possible and remove them from my credit report. As per the Fair Credit Reporting Act, I expect a thorough and reasonable investigation into these disputes. I have confidence that you will find these inquiries to be fraudulent and therefore, should not be included in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: IL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}.

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 explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/2023 at XXXX, a direct deposit from my job was deposited into my account for the amount of {$930.00}. This same day, I attempted to use part of the funds to pay my rent and notified my account has been frozen. I contacted cash app support ( via the chat portion of the app ) at XXXX the very same day and informed them of my account being frozen and would like to know why. A rep got back to me at XXXX, stating I would need to submit several documents to have my account unfroze. They informed me, once this was completed, they would get back to me in 48hrs. I submitted all my documentation that very day. After 48hrs on XX/XX/XXXX, I called customer support and was told it would now be 10 days until special Teams could review my case. When asked why my account was frozen, I was told they could not give me a definite answer. I explain to them the severity of my situation, and how I need access to my money in order to pay my rent and buy food for my family. I was told there is nothing they could do. On Tuesday XX/XX/XXXX I recorded this message via email Hi XXXX, Looking at your account, I can see that the suspension on your account has been resolved before I was able to respond. Im so happy to see that all is solved!

Thank you, Cash App Support I checked my account and my funds were still frozen. I reached back out to support on the XXXX at XXXX to inform them of the email and not having access to my funds. I was given no explanation as to why this email was sent but was instructed to re submit all the previous documents submitted on the XXXX and to allow 48hrs for them to process. I contacted customer support today, XX/XX/XXXX ( 48hrs later ) to inform them my funds were still frozen and that I have not been able to pay my rent or buy food because of this and was told they did not have an answer for me. My funds are still currently frozen and I am not getting any assistance from cash app as to why this is or when my funds will be available to me. Im in danger of losing my home and have no food in the home that I share with my XXXX XXXX  children

Company response to consumer: Closed with explanation