vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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: MN

Complaint narrative:
Upon reviewing my credit file, incorrect information was still found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance XXXX : {$3100.00}

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 2022-07-15 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: MN

Complaint narrative:
Upon reviewing my credit file, incorrect information was still found in my reports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance Owed : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: MN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$4500.00}

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 2022-07-15 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: WI

Complaint narrative:
When I went to the car dealership I got approved for one lender but ended up with 8 hard inquiries that I wasn't aware of. 

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 I Need Them Removed!

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 2022-07-15 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: WI

Complaint narrative:
When I went to the car dealership I got approved for one lender but ended up with 8 hard inquiries that I wasn't aware of. 

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  I Need Them Removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: MN

Complaint narrative:
I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/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 2022-07-15 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: FL

Complaint narrative:
I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain information in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. However, the Experian and XXXX credit Bureaus are reporting these information in my file. The inaccurate addresses are listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-15 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: CA

Complaint narrative:
The Experian and XXXX Credit Bureaus ignored FCRA section 605b and continued to report the disputed queries on my credit report in addition to rejecting my requests for the removal of the unlawful inquiries. From XX/XX/XXXX to XX/XX/XXXX, I sent the credit bureaus numerous written appeals, but despite all of my efforts to have my credit file corrected, the credit bureaus seem to enjoy seeing consumers in difficulty. My legal counsel has been alerted of the situation, and they are ready to work with me to file a lawsuit and impose a fine on the credit bureaus to make up for the actual losses caused by their negligence. Since these inquiries were the result of my identity being stolen, the Credit Bureaus are compelled to delete the disputed ones. The following inquiries should be deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/22 initiated 4 invoices and they were paid on the Square Invoice system. Afterwards I was asked to provide a list on identifying docs via email, which I did. On XX/XX/22 I was informed that my account was deactivated and provided to reason as to why and informed that my balance of {$1900.00} would be on hold for 90 days and that I would have no access to the funds prior to then. I called and tried to get some resolution, but to no avail. Waiting for 90 days for funds that I rightfully own is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reporting 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 2022-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
This is a follow up complaint regarding reference # XXXX. I originally filed a complaint against BSI Financial. The complaint was closed after the company responded stating that they had sent a request from me asking for additional information. This all occurred back in XX/XX/2022. It is now XX/XX/2022 and while the company has received all of my documentation and has confirmed since XX/XX/XXXX that I have been approved for Recovery Modification and that papers would be mailed out to me within a couple of weeks from the email correspondence. I have been told this several times since the beginning of this process. During this time I have received negative reporting to the credit bureau, a medical credit card was closed due to the reported information, and my credit score was dropped significantly all at once. I have personal called in to make payments since the end of my forbearance. My payments started back on XXXX XXXX. I am unable to pay online due to lack of updates to my account. When I attempt to mail in payments, the checks are never cashed. When I call to make a payment, I have been charged for doing so in the past. This has been a very long process. Most recently not only has XXXX XXXX have not followed through with the documentation or paperwork, she has stopped returning my emails and I have not been able to get her on the phone. Attached you will see copies of our communication regarding this case as far back as XX/XX/2022. I am requesting your assistance with this matter so that I may continue to move forward with my life and get this issue resolved. 


Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hard inquiry on my account I didn't apply for

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 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was sent a check from someone online of XXXX and took a picture of what was sent and later on the amount was taken from my account and caused my account to decline I cant access it along with my parents cards declining.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: CA

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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

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 2022-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Company is trying to collect amounts already paid. Called XXXX XXXX billing to ask if they can investigate what happened with this bill but they never did. The XXXX XXXX billing department was very rude and unprofessional. They had some address listed that I never know of, as well name was XXXX or similar which is not my name. 

What happened is on XX/XX/2020 my XXXX was scheduled and in order to start XXXX I had to pay full amount for XXXX since this was self pay not thru insurance. 
I visited XXXX XXXX XXXX multiple times before XXXX and he confirmed the price for XXXX, XXXX and everything which was {$11000.00}. This amount is for complete XXXX includes everything XXXX etc. 

Unfortunately the XXXX was not performed professionally and instead XXXX to XXXX minutes the XXXX took XXXX hours XXXX XXXX XXXX put ma life at risk by XXXX XXXX into my body to try to complete simple XXXX XXXX XXXX. 
I was sick for a year. 

After XXXX I went to XXXX XXXX to see what was done to my body by XXXX XXXX XXXX and why i have pain in my stomach. XXXX XXXX doctor who specializes in these XXXX was shocked that XXXX took XXXX hours to perform such XXXX, he said we performed those XXXX in XXXX to XXXX minutes smithing longer is a risk for your body. After performing few tests at XXXX XXXX the doctor concluded that XXXX XXXX did not complete the XXXX XXXX looked normal but it supposed to be stapled. 
Basically XXXX XXXX was playing with my life for XXXX hours and did not complete XXXX, which made me sick for a year. 

Please see attached proof for payment already made in full as agreed with XXXX  prior to XXXX. If anyone owns money it would be XXXX owning money to me for letting XXXX XXXX XXXX to perform a XXXX which he is not experienced.

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 2022-07-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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:
i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

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 2022-07-15 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: FL

Complaint narrative:
I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain information in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. However, the XXXX and TransUnion credit Bureaus are reporting these information in my file. The inaccurate addresses are listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.. 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 2022-07-15 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: CA

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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 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