vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear CFPB, I am a natural person and a living human being with rights protected under 15 USC 1681. I am filing a formal complaint regarding my credit report, as I believe that the consumer reporting agencies are violating my rights and the Fair Credit Reporting Act. Specifically, I demand the immediate deletion of the following accounts, which were furnished to the consumer reporting agencies without my permission : XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies have violated my rights several times, which is prohibited under 15 USC 1681.

I want to draw your attention to the following sections of the Fair Credit Reporting Act that support my complaint : 15 U.S.C 1681 section 602 A : States that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency c

an not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section : States that no consumer reporting agency may make any consumer report containing 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 ) : States that 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. 

Furthermore, I did not authorize the following companies to pull or look at my credit, and I believe these inquiries to be fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, Used 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 VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Non-specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OR, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is commiting illegal furnish of information fraud. Per 15 U.S. Code 1692 a ( 5 ) I have not been supplied proof of ALLEGED OBLIGATION OF DEBT. No written contract instrument with XXXX XXXX in XX/XX/2022. 
My government information illegally given out. 
Equifax is fraudulently claiming verified with no proof of agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX 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 explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/23, a unauthorized unlinking of my XXXX account that was sent to me via text message I have three different cash app accounts two were business accounts one was my personal daily use account since XX/XX/XXXX I have not been able to get access to both of my business accounts I have contacted cash app regarding this matter cash app has been reluctant to help more of a repetitive process in the end they denied me access to my account which I have proven that both of these accounts are mine someone has consistently used my Bitcoin you can clearly see it under my main cash app account limit it fluctuates constantly I have also informed the cash out of this but they say there's nothing we can do but who's liable or who has to file these taxes at the end of the year I didn't make all or withdrawal 90 % of these Bitcoin transactions someone has changed to my cash tag names emails I'm locked out of one of my XXXX to where I am not able to recover that XXXX they changed my numbers I have proven that both of those accounts were are mine by sending images screenshots of my cash app cards for each account cash app will not help retrieve my Bitcoin money and the 2 business accounts that have been stolen, now on the XXXX of XXXX I tried to send my friend some money and I was unable to because cash app instructed me to verify my identity which I immediately did with a selfie video and pictures catch up told me that it would take 24 hours for them to verify it's been 4 days and I have not heard anything mind you nobody can send me money I can't send nobody money I don't have access to my Bitcoin wallet under this specific account but she had my Bitcoin limit keeps fluctuating therefore proves someone has stolen my other two accounts I would like immediate assistance in rendering or closing both of those accounts so I can be able to have my one account as well as recovering my loss and stolen Bitcoin because something is not right here and something is going on once again I have three accounts and cash app has denied me access to two separate accounts One account my main account I am unable to use because of cash app you will not let me send or receive money if I don't have access to no accounts why is my Bitcoin limit fluctuating that should not be

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXAccount # XXXX, has violated my rights. 


n accordance with the Fair Credit Reporting act XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX  sold/transferred our mortgage to Truist bank around XX/XX/2022, and NEVER notified us that this was going to happen, which is not in compliance with regulation 1026.39 ( Mortgage transfer disclosures ). Somehow, XXXX also failed to have our address correctly on file, despite servicing our mortgage for years. Our condo has a unit number ( XXXX ) attached to the address, and XXXX was lacking the unit number. Our mortgage payments were on auto-pay with XXXX prior to the transfer to Truist. 

After XXXX transferred us to Truist, our auto-pay was obviously interrupted, and we didn't notice until after we had missed a payment out of our account that anything was amiss. Truist started threatening us with foreclosure after just ONE missed payment, and Truist said it would show up on our credit report as a missed payment, which is XXXX XXXX and out of compliance with FTC rules for a 60 day grace period after transfer ( https : //consumer.ftc.gov/articles/your-rights-when-paying-your-mortgage ). 

Then, Truist made it impossible to setup our account online because the account was overdue. They made us wait until normal banking hours to call in, and wait for what felt like hours on the phone to find the right person to talk to to get the account set up. I got bounced around several departments, being told different instructions by different people and not getting anywhere. Finally we got the account set up and made the account whole ( paid the missed payment ). As a part of setup, I told the agent that our address needed to have the unit number added to the address, as Truist had the same issue as XXXX where they didn't have a unit number in the address. Totally ridiculous that the banks can't get the correct address for the property they technically own. 

Then we got another late notice in the mail from Truist after we had already caught our mortgage up to be current. In the mail, the letter was left in our general mail room because it LACKED THE UPDATED UNIT NUMBER IN OUR ADDRESS. INFURIATING. Later, in XXXX, Truist continued to mail us ( for a delinquent tax payment that they missed ) at the incorrect address, still missing the unit number.

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 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
When I contact the Fraudulent company, all I get is the demand to make a payment. Even when I explained to them the process is slow when making payments before the due date. 

The customer service is very unprofessional and cares only about getting the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the first week of XXXX of XXXX, my Chase Online banking account was hacked. The hackers were able to steal my log in and password from my XXXX XXXX Passwords. The hackers extracted money from my savings account to an outside external account ( XXXX XXXX XXXX account ) not known to me. The hackers committed fraudulent activities from XX/XX/XXXX until XX/XX/XXXX of XXXX. I didn't notice it until that weekend from text and email alerts and we were able to block and reverse the newer and more recent fraud transactions of XX/XX/2023. Since we were unable to reverse the other two transactions from XX/XX/XXXX for {$450.00} and XX/XX/XXXX for {$1400.00}. I had to file a fraud claim at the time. I immediately changed my login and password that weekend of XX/XX/XXXX and XX/XX/XXXX of XXXX. My fraud claim was denied on XX/XX/2023. They response was that I didn't change my login and password, which is a lie. And they claim that I have always used XXXX payments and that this outside account online transaction was done from my device. Which doesn't make sense since I was hacked and its possible that the hackers stole my IP address also. I do not recognize this XXXX XXXX account. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing this complaint letter due to the discriminatory treatment I have received while going through the modification process for this loan. I am a XXXX female living in a majority minority census tract in XXXX, GA. During this modification process, the acts of the servicer ( Select Portfolio Servicing, Inc. ) and investor ( XXXX XXXX XXXXXXXX XXXX have been unfair and deceptive as they will not take a payment from me and have asked for the same information several times and refuse to move the process along despite my providing the requested information each time requested. This has resulted in negative credit reporting, making it even harder to complete the modification. The credit terms of the original loan were predatory and was made prior to the implementation of the Dodd Frank Act. I am requesting that the loan be modified and the servicing practices of the servicer and investor be reviewed and addressed with formal action to mitigate any further discriminatory and unfair practices. I have listed a few of the facts below : Modification process start date : XXXX XXXX separate additional requests for information ( all information was provided ) Notice of completed modification package XXXX XXXX more separate additional requests for information ( all information was provided ) Notice of completed modification package XXXX XXXX more separate additional requests for information Servicer has refused to take a payment during the modification process but is negatively reporting to the credit reporting agencies. I have never missed a payment in the 18 years prior to starting this modification. 
Credit score has declined during the modification process : From XXXX credit score on XX/XX/XXXX to XXXX on XX/XX/XXXX. Decrease of XXXX points. 

I am desperately trying to modify this loan and/or make a payment to ensure I do not lose this home due to foreclosure. The negative credit reporting, due to no fault of my own, is driving down my credit score making it impossible to access credit in the future. I have owned this home for close to 20 years and I am being discriminated against because I am a female living in a XXXX neighborhood. Again, I am requesting that the loan be modified and the servicing practices of the servicer and investor be reviewed and addressed with formal action to mitigate any further discriminatory and unfair practices. 



Servicer : Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Investor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My cash app account was fraudulently accessed and I was locked out and XXXX dollars was stolen from me due to no fault of my own. The only possible way that this could of happened to me is because I am one of the users who's data was compromised by block inc who owns cash app. Because the company did not secure their users information properly my account was able to be accessed and money taken out of my account and there was nothing I could do about it until I got in touch with cash app support. 
I will explain. On XX/XX/2023 I get an email from cash app saying my account was accessed from a different or new device at XXXX near XXXX XXXX I live in XXXX Texas so that right there should something. Then also on XX/XX/223 at XXXX my email address was unlinked from cash app locking me out of my account entirely. I contacted cash app support as soon as I realized what happened and it took days for cash app support to finally respond back to me. I had over XXXX dollars in account before I was locked out of the account and then my email address was unlinked from the account on XXXX. It took days and days for me to finally get a response back from cash appp because I had to create a whole new account just to get someone from cash app support to finally help me. I told cash app support what happened to me and I was able to finally regain access back into the account on XX/XX/2023. Not even 6 minutes later somehow my email address was able to be once again unlinked from my account and I was locked out of the account for the 2nd time. Please keep in mind this is the same cash app account that cash app support had just granted me access back into just 6 minutes earlier. When I was locked out of the account for the 2nd time I had XXXX dollars in the account still. When I was finally able to get a hold of cash app again about this matter i explained to them what happened but no one would listen or even attempt to try and help me .now I am told that there is about XXXX XXXX in the account and that I need to calm down. How can the XXXX XXXX I had in the account yesterday XX/XX/2023 just disappear even though I have proof that my account was accessed fraudulently without my permission? How can it just be lost forever? How is that okay? Had cash app not had the data breech I would not even be in this horrible situation in the first place. 2nd had cash app done there job whenever they were able to give me access back into the account and taken off the other emails or phone numbers etc. I wouldn't be writing this email either. Some how 6 minutes later my email address was unlinked and I was kicked back out. Now fast forward to today cash app is telling me I only had XXXX XXXX on the account left. When the day before that 9 hours previous to be exact I had XXXX american dollars. What happened to all of my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Stenger & Stenger, P.C
State: TN

Complaint narrative:
I have provided police reports notarized affidavits letter after letter that these are not my charges XXXX has even issued a check to me for the time Ive spent fighting this company. I had my purse stolen from a luggage handler and my wallet stolen at the tavern at XXXX during this period. Upon further investigation of XXXX XXXX and Stenger and Stenger are affiliated and according to their reviews they never remove the derogatory mark. These charges are for 2011 and are clearly NOT MINE!! The original charges were {$400.00} approximately. This mark has severely affected my life. After my divorce I was unable to secure a home loan. As you can see I clearly pay my bills. {$400.00} is not going to change my life. XXXX removed this at one point but they continued to refill it monthly Please help I have spent 2 years fighting these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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