vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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: MS

Complaint narrative:
I did not give these companies my information I only gave it to XXXX to apply for there cars but they ran my credit 52 times 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 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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The XXXX XXXX XXXX that I and XXXX XXXX has been paid off. As a of XX/XX/XXXXXXXX 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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Two issues : XXXX. XXXX XXXX XXXX XXXX is reporting in accurate information about my account number XXXX to both Transunion and XXXX. XXXX is correct. As you can see that on XXXX they updated on XX/XX/28, but on Transunion and XXXX they didn't report for XXXX. Since XX/XX/XXXX I have paid flagship a total of {$2300.00}. 

XXXX. XXXXXXXX XXXX XXXX says I have a past due of {$20.00}. I made a payment twice to get that addressed 3 times ( XX/XX/XXXX and XX/XX/XXXX ), but as you can see by my current statement and online they still say I have a {$20.00} past due. I called on XX/XX/XXXX and they said that they would remove the past due and it is still on my account, yet I have now tried three times to get it corrected and have paid them 3 times now, a {$100.00} payment on XX/XX/XXXX {$100.00}. 

XXXX. On XXXX and Transunion they show 2 late payments, but on XXXX they show 1. 

This account is affecting my credit score and my ability to obtain financing for a house and a new vehicle.

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 2023-03-10 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to inform you that theirs a negative items on my credit report have passed the statute of limitations and should be removed from my credit report immediately. These item is no longer legally collectible, and their presence on my credit report is unfairly impacting my credit score. 

The negative items in question is : XXXX. XXXX XXXX XXXX ACCOUNT NUMBER # XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove negative items from a consumer 's credit report after they have passed the statute of limitations. 

I have verified that the items in question have passed the statute of limitations in my state, and I request that you remove them from my credit report immediately. Their continued presence on my credit report is in violation of the FCRA and is unfairly harming my credit score and my ability to access credit.

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 2023-03-10 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: VA

Complaint narrative:
I pulled a copy of my Experian credit report on XX/XX/XXXX, and after reviewing the information, I noticed that Experian have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/XXXX and have been on my file since then. I have disputed this information with Experian to get no response, or just completely ignore the fact that the information, is incorrect. Experian is in violation of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian XXXX The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. So how is this placed on my consumer file since the court did not furnish this information to Experian. On XXXX XXXX I filed Complaint Number : XXXX to Experian, who replied stating that their are working on the file. They never provided me a completed credit report, and or investigated the initial dispute regarding the bankruptcy on my credit report. Experian is in violation of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i. Please note that, I also contacted the court who provided me the letter attached to this second dispute.

See Experian response : This is the company response : At your request to begin a reinvestigation, we are in the process of contacting the data furnisher ( s ) or public record vendor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX, XXXX, TX XXXX XXXX For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/XXXX. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your dispute through the CFPB Portal. It is our policy to respond to consumers swiftly and to take each dispute seriously. We appreciate you letting us know about your experiences with Experian..

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 2023-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: AR

Complaint narrative:
mailed and requested verification of debt on XX/XX/XXXX, recieved letter back sent bill of statement with no signature or name for account. sent 2 letter XX/XX/XXXX, recieved letter back sent bill of statement with no signature or name for account. sent 3 letter XX/XX/XXXX, recieved letter stating was reported disputed with all comsumer agencies and based on their investigation of dispute regarded account accurate and did not include additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
2 separate hard inquiries on my XXXX report. One from XXXX XXXX, and one from Nordstroms

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
2 separate hard inquiries on my XXXX report. One from JPMC bank, and one from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I recieved an email in the form of an invoice from Paypal stating that I purchased bitcon in the amount of {$590.00} which is not true. I never purchased XXXX. Paypal issued an invoice to me via email for a debt I do not owe. I have reported this as fraud on the ftc website report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax did not update my auto loan with XXXX XXXX XXXX XXXX in XXXX and is reporting inaccurate information. I have already tried to get XXXX to update it correctly 2 times, XX/XX/XXXX and XX/XX/XXXX. 

I have included my XXXX report for my auto loan to show that they reported it to them on XX/XX/28, which shows I am current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: MS

Complaint narrative:
I did not give these companies my information I only gave it to XXXX to apply for there cars but they ran my credit 52 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was denied access to view my Transunion credit report because Transunion stated that I couldnt because I had an open dispute. Ive never heard of this rule and theyre violating my FCRA rights by not allowing me to view my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unjustified. The following accounts have negatively impacted my credit score and I request that they be investigated and corrected or removed from my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account Medical XXXX Collection Account XXXX  XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX  XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX  XXXX NA XX/XX/XXXX Inquiries Furthermore, I also question the validity of the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as they were not authorized by me and I do not have any business or personal relationship with these entities. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus investigate any disputes and remove any inaccurate or unverifiable information within 30 days of receiving a dispute letter. In addition, the FCRA states that consumers have the right to dispute any information on their credit report that they believe to be inaccurate, incomplete or outdated. 

Therefore, I request that you investigate and correct or remove these items from my credit report as soon as possible. I also request that you provide me with a copy of the updated credit report once the investigation is complete. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I opened a business checking account with Bank of America around mid XXXX as a secondary business banking option, since it was not my mine account their was minimal traffic on the account until my business outgrew my local situation. early XXXX I found a company that XXXX XXXX XXXX XXXX, early XXXX we made our 1st large sale of XXXX units at {$87.00} per unit. 
the initial deposit was paid out to my business via a 3rd part POS system and the remainder was wired to my BofA account on XX/XX/XXXX .... 
XX/XX/XXXX I was locked out of my account, my funds were never released and I was left with a XXXX tab with my vendor do to this situation and when I went into the XXXX Minnesota branch of Bank of America the branch manager made a slick comment " He doesn't look like eh type to warrant these types of payment '' .... 
XXXX this I am still fight to recover my funds.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc.
State: IA

Complaint narrative:
False court records and XXXX XXXX XXXX XXXX XXXX for my background check keep coming back with false information for every employer that submits a background check for me. The issue is that there is a person that lives in Connecticut that has my same exact first, middle, last name an data of birth. 

A simple review of the background check shows that this person lives in another state when reviewing the address verification information on the background check. ( See attached copy ) I have all email correspondence with HireRight along with Email and phone correspondence with XXXX XXXX. 

XXXX XXXX Hire Right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TX

Complaint narrative:
I filed complaint for Identity theft. I had some deletions and some were verified

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 2023-03-10 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: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unjustified. The following accounts have negatively impacted my credit score and I request that they be investigated and corrected or removed from my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account Medical XXXX Collection Account XXXX  XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX  XXXX XXXX  XX/XX/XXXX Inquiries Furthermore, I also question the validity of the inquiries made by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  and XXXX, as they were not authorized by me and I do not have any business or personal relationship with these entities. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus investigate any disputes and remove any inaccurate or unverifiable information within 30 days of receiving a dispute letter. In addition, the FCRA states that consumers have the right to dispute any information on their credit report that they believe to be inaccurate, incomplete or outdated. 

Therefore, I request that you investigate and correct or remove these items from my credit report as soon as possible. I also request that you provide me with a copy of the updated credit report once the investigation is complete. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unjustified. The following accounts have negatively impacted my XXXX XXXX and I request that they be investigated and corrected or removed from my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account Medical XXXX Collection Account XXXX  XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XX/XX/XXXX Inquiries XXXX XXXX  XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX Inquiries XXXX  XXXX XXXX XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX Inquiries Furthermore, I also question the validity of the inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX as they were not authorized by me and I do not have any business or personal relationship with these entities. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus investigate any disputes and remove any inaccurate or unverifiable information within 30 days of receiving a dispute letter. In addition, the FCRA states that consumers have the right to dispute any information on their credit report that they believe to be inaccurate, incomplete or outdated. 

Therefore, I request that you investigate and correct or remove these items from my credit report as soon as possible. I also request that you provide me with a copy of the updated credit report once the investigation is complete. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-10 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:
In accordance with Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 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 non-monetary relief
Consumer complaint received 2023-03-10 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: FL

Complaint narrative:
On the dates listed below I had fraudulent activity occur on my cash app card. I reported my card being lost or stolen to cash app and had the card canceled. 

Cash app reimbursed these fraudulent charges XXXX {$120.00} XXXX {$58.00} XXXX {$100.00} XXXX {$15.00} Cash app has refused or denied to reimburse the these fraudulent Charges with out giving me any real reason why they denied them Disputed charges denied Date time Place amount XXXX XXXX XXXX  XXXX {$53.00} XXXX XXXX : XXXX XXXX  {$41.00} XXXX XXXX XXXX XXXX {$37.00} Total {$130.00} Furthermore cash app has closed my complaint /case on two different occasions reference number XXXX XXXX The only reason I get from them for closing my case is : " We closed your case because a response was provided or it's been more than 3 days since we've heard from you '' Which is just crazy as they have provided no " REAL '' reason for denying my claim and I have stead in constant communications with them. They also told me it may take up to 45 days to resolve my complaint then the cancel it. 

I have filed a complaint with the local police dept. To day Cash app has not followed up with them to my knowledge. The contact information for the police is listed below TPD contact number XXXX, TPD case number XXXX )

Company response to consumer: Closed with explanation