vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my previous request to each credit reporting agency for verification of the information on my credit report on XX/XX/year>, the discrepancies remain unresolved and ultimately came back verified and updated. 

XXXX XXXX XXXX is not licensed to collect debts in the state of Florida, which is a violation of both state and federal law. 

Florida Statutes Section 559.553, under the Florida Consumer Collection Practices Act ( FCCPA ), clearly mandates that any entity seeking to collect consumer debts within Florida must be properly licensed by the Florida Office of Financial Regulation. XXXX XXXX XXXX does not possess the necessary license to operate within the state, rendering their collection activities unlawful. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits debt collectors from engaging in deceptive, unfair, or illegal practices in the collection of debts. The collection activities of XXXX XXXX Services without the appropriate licensing are in direct violation of these federal statutes. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., mandates that all information reported to credit bureaus be accurate and verifiable. Given that XXXX XXXX XXXX lacks the requisite licensing in Florida, the account information reported by your institution is both inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my previous request to each credit reporting agency for verification of the information on my credit report on XX/XX/year>, the discrepancies remain unresolved and ultimately came back verified and updated. 

XXXX XXXX XXXX is not licensed to collect debts in the state of Florida, which is a violation of both state and federal law. 

Florida Statutes Section 559.553, under the Florida Consumer Collection Practices Act ( FCCPA ), clearly mandates that any entity seeking to collect consumer debts within Florida must be properly licensed by the Florida Office of Financial Regulation. XXXX XXXX XXXX does not possess the necessary license to operate within the state, rendering their collection activities unlawful. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits debt collectors from engaging in deceptive, unfair, or illegal practices in the collection of debts. The collection activities of XXXX XXXX Services without the appropriate licensing are in direct violation of these federal statutes. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., mandates that all information reported to credit bureaus be accurate and verifiable. Given that XXXX XXXX XXXX lacks the requisite licensing in Florida, the account information reported by your institution is both inaccurate and unverifiable.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$14000.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Charge Off : XX/XX/year> Amount : {$14000.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Starting XX/XX/XXXX from the XXXX I had charges from a third party ( XXXX ) that were not made by me they were made through the XX/XX/XXXX account which is online and can be accessed anywhere they actually are getting sued because of multiple data leaks and they owe a bunch of people money. I think I was affected as well and I need help because I reported it as fraud the minute I saw the changes on XX/XX/XXXX in the morning it was very recent and I called them and I filed a claim days later on XX/XX/XXXX after calling multiple times they gave me the responses of we cant help you because it was authorized and I kept on saying but it wasnt I didnt make them i mean you can say that for anyone if i get someones card its gon na be authorized as well and I kept on telling them its a lot of money that i didnt make I already filed with XX/XX/XXXX, im filing with you, i submitted a complain I got my card replaced because they dont seem to care really. I told them what can I do can I provide evidence and they were like its up to you its stressful because these transactions they sum up to XXXX dollars and It wasnt me. And no caller ids have been calling me so frequently that it makes me think they are the ones that got my money. And Now i have to take action with you guys because this is insanee and I need help. Banks are supposed to be trustworthy and I feel like they dont even want to help me.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with XXXX, XXXX, XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/2024 I attempted to freeze my TransUnion credit file. Unfortunately, I discovered that this was not possible. 

According to the TransUnion website at https : //www.transunion.com/ I must create a TransUnion user account in order to freeze my credit file. When I tried to create an account, the web page told me that I already have an account. 

That's true - I did have a TransUnion account in the past, but that was very many years ago. When I tried to use the credentials of my old account, the web page told me that because I have not logged in to that account in such a long time, I have to create a new account. But when I tried to create a new account, the web page told me that I have to log in with my old account, and this continued in a never-ending cycle. 

In an attempt to resolve this situation, I called TransUnion consumer support at XXXX during the hours indicated on the TransUnion website. But after providing the automated system with the information it requested of me- my zip code and my SSN- the call simply disconnected. I tried this on four separate occasions with the same result each time. 

I also attempted to resolve this with the chat utility on TransUnion 's website. However, on both occasions when I tried this, the wait time was never less than XXXX minutes. 

All I want is to freeze my TransUnion credit file. XXXX and XXXX make this so easy, but with TransUnion it is simply not possible for me to do this. Can you help me to freeze my TransUnion credit file? I appreciate your assistance.

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 2024-08-16 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
Dear Experian To Whom It May Concern : I was in the process of applying for new employment and housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account number # XXXX Delete 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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from 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 non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I try to log into my equifax account online however i was not able to log in. I called the company and was waiting for XXXX hours on hold but i could never get a hold of an agent or unfreeze my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year>. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Credit Bureau RE : Update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times.

I have highlighted the items below that are inaccurate and shall be removed from my credit report as soon as possible please. 


Lets Keep Please on my report : XXXX XXXX Please delete the follow inaccurate names : 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 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 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
I have not yet received my direct deposit. Upon contacting the HR department of my company, they assured me that they will submit a claim on their end. I then informed my XXXX XXXXXXXX about the issue, who mentioned that the deposit had been sent to my account. After reaching out to XXXX XXXXXXXX, the service responsible for handling employee payroll, I was informed that the deposit was sent to my Cash App account ending in XXXX. I contacted Cash App and they escalated the matter to their specialized team for further assistance. They requested verification of my identity, which I promptly provided to the customer service agent, XXXX. I was informed that it would take XXXX business days for them to verify my account and release the funds.I can't believe it! I have urgent bills to pay and mouths to feed! Despite my pleas, they stated that there was nothing they could do at the moment to expedite the process. I requested to speak with a supervisor through two different customer representatives, but have not received any email from the supervisor as promised, even after XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-16 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
I have no association with these creditors or accounts.

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