vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: GA

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-31 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: GA

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit repo

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 2023-07-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I received an alert from XXXX XXXX that my credit score XXXX significantly last fall. I pulled my free credit report and saw a charge from XXXX XXXX. I called them and found out that there was a XXXX XXXX credit card with my name on it. I told the representative that I did not open the account. 
She then asked me to verify my information. I checked and everything was the same other than my email address and they did not have my work number. I stated again that this was not my account. The woman asked me if I knew who opened it. I said no. She said she would initiate a dispute on their end. 
I then disputed the account with XXXX and moved on. 
I received a collections call from XXXX XXXX in the spring for this account. I told the person I spoke with that this was not my account and that they should not call me again. I alerted them that I had already filed a dispute with the credit bureaus and XXXX XXXX and asked if there was a record of this. He said there was not. 
I then called the number for XXXX XXXX on my credit report. The woman I spoke to said they wanted me to send : A copy of my social security card and proof of my birth date A writing sample My signature written several time A copy of an FTC report I told her that seemed to invite additional fraud and I would not. 
I disrupted the charges again online with all three credit reports and am filing this dispute for fraudulent activity. 
I did not open this account, authorize this account or in any way use it. I dont know who opened it, how they opened it or why. I am asking for any assistance with removing this fraudulent activity from my account. 
I have been the victim of identity theft before and have XXXX and monthly credit monitoring. Most recently, I was a part of the XXXX data breach and the XXXX XXXX data breach. I do have monthly credit monitoring and I do have fraud alerts on all three credit bureaus. 
Any and all help in getting this matter resolved and removing this XXXX XXXX card from my report would be greatly appreciated. I have XXXX credit card and it is in good standing and I would like to keep it that way.

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 2023-07-31 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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-07-31 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: MA

Complaint narrative:
I received an email that a credit card was opened in my name through Chase bank when I did not open a card for myself. I contacted Chase bank on Sunday XX/XX/23 and they successfully closed the account and are investigating the issue. 
Since the card was opened Ive received close to emails that someone has subscribed me to almost 100 different government magazines/newsletters/etc. all which have been either blocked or reported at spam so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to 15 U.S. Code 1681e there is a need for the consumer reporting agencies to be accurate with their reports. The mailing addresses listed on Transunion, XXXX and XXXX are non mailable addresses and are inaccurate. Furthermore, the name ( s ) and birthdates listed are inaccurate as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX a savings account was opened and funds moved to the saving account from the checking. A few days after my son and I went to the bank verified our ID and were told all was good to go. Fast fwd to XX/XX/XXXX, the savings account was closed and told funds would be mailed but we could go to the bank and see about getting funds released sooner. We went to Bank of America on XX/XX/XXXX where we were told the funds in the savings account needed to be verified as to where they came from. When the branch agent explained they came from the checking account they then said they now see that and will have a check issued within 3-5 days. On XX/XX/XXXX we called the risk dept to see the status of the check and were told it wasnt yet sent and funds needed to be verified. Again explained the funds came from our checking and again told they see that and were escalating the check to be sent. I was given a supervisors name to ask for when calling back. Today on XX/XX/XXXX we went back to the Bank of America branch the agent called risk told the same thing as before again explained the situation and then told the cashiers check was in the hold dept when asking why we were told because they are verifying the check, the check they the Bank themselves were issuing! When the branch agent asked to speak to the supervisor who gave us his name on Thursday XX/XX/XXXX the branch agent was told they cant get to that supervisor directly. When the agent asked to speak to any supervisor she was placed on hold then diss on extend. When we asked who else to talk to or what else we should do we were told there is nothing. We now have {$1700.00} missing that Bank of America has held since XX/XX/XXXX and have no one who can or will give us any information about the missing money or how to get it back.

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 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

has violated my rights. Or list of inquiries 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 2023-07-31 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: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 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 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 2023-07-31 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: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 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 2023-07-31 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: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 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 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 2023-07-31 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B. A creditor may not treat a payment on a credit card account plan as 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 2023-07-31 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: FL

Complaint narrative:
I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.

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 2023-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Duvera Billing Services, LLC
State: OH

Complaint narrative:
XX/XX/2023 was my first payment to XXXX XXXX for the purchase of animals from XXXX XXXX in XXXX Ohio ( ferrets ). The total loan amount was {$720.00} with an APR of 133.97 %. At the time of signing this agreement, I was XXXX XXXX XXXX and did not know the meaning of interest rates. I was rushed to sign the papers and make the purchase by the company, XXXX XXXX. I have come to learn that this APR would be considered a " predatory loan ''. I did not realize this until early XX/XX/2023 when I found that I still owed {$750.00} on my loan. I had made payments of {$42.00} biweekly up to that point, which would have been around 15 payments. Logically I should have only owed about {$91.00}, yet my balance was still {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: PA

Complaint narrative:
Keep calling wont say what its about or anything or who debt is from

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I received a 1099-B by mail on XX/XX/XXXX from Block, Inc XXXX f/k/a Square Inc ( Cash App ) as a proceeds of {$2400.00} dated XXXX which I have had no clue. The tax document bears my social security number and my address but my name is printed with a middle initial XXXX which I never use. My husband and I are both XXXX XXXX and earn from our XXXX investments. Neither of us has opened any account nor we have heard of the company like Cash App. Or Block, Inc and/or f/k/a Square Inc. Since the date of filing tax returns for XXXX was approaching, I immediately called Cash App at XXXX ( XXXX ) and lodged a verbal complaint asking to designate tax document ( 1099-B ) as an identity theft. I was asked to respond to an email sent by the customer service ( XXXX ) with an assigned case number. Since then I had communicated with several customer service representatives of Cash App without any solution. Rather, I was notified via email that Cash App does not provide any tax assistance and only communicates with law-enforcement officials. After several futile attempts via email correspondence we decided to go ahead with filing our tax return for XXXX and later deal with the incident. Since then I lodged an official complaint with identity theft ( Identitytheft.gov ) and blocked all my credit reports. In addition, I filed a formal complaint with XXXX XXXX XXXX XXXX ( law-enforcement ) on XXXX and lodged an affidavit with IRS ( form 14039 ). Since then we have been waiting for an official investigation. Inspired by the instruction on identity theft website I sent an official request via registered mail to Block inc, f/k/a Square, Cash App requesting the company to close the account declaring it as a result from an unauthorized fraudulent activity ( dated XXXX ) attaching all email correspondences and documents. Suddenly, I received an official notification of closing the case via email ( dated XXXX ). When I called I received a new case number and since then I have been waiting for a final decision. 

I feel extremely frustrated with irresponsible dealing of Cash App and request that you please take an immediate action to resolve my case, i.e, declaring the account as a result of identity theft and close the account permanently.

Company response to consumer: Closed with explanation