vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am lodging a complaint regarding incorrect reporting of a XXXX XXXX  case on my credit report. According to the XXXX XXXX XXXX XXXX  XXXX ( XXXX ) and the XXXX XXXX XXXX XXXX XXXX there is no active case related to child support under my name, and the account in question is closed. Despite this, I have discovered that this closed case is being reported as an active XXXX XXXX  case on my credit report. 

I have made multiple attempts to resolve this matter directly with the credit bureaus. I requested detailed information on the entity responsible for reporting this information, including the source and methodology used for the reporting. Unfortunately, I have received no feedback or clarification from any of the credit bureaus, which has only exacerbated the situation.

As you are aware, under 15 U.S. Code 1681 ( Fair Credit Reporting Act ), consumers have the right to dispute inaccurate or incomplete information in their credit report. Moreover, according to the XXXX XXXX Method, credit reporting should follow proper guidelines and only report accurate and verifiable information. Since the XXXX XXXX  case is closed and there is no active case per the XXXX XXXX XXXX XXXX  XXXX, I contend that the reporting of this closed case on my credit report is erroneous and violates both the Fair Credit Reporting Act and the XXXX XXXX standards.

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 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
After closing of my account I was told that I would have to have check endorser ( XXXX XXXX ) called and verified that he authorized me to deposit check in order for funds to be released, so on XX/XX/year> I called in and provided contact for XXXX XXXX and he was contacted by chase XXXX  and after that I was told that he had been verified and confirmation would be sent to back office to complete my release of funds and XX/XX/year> I was told that funds still could not be released due to denial from back office.. I have to submitted a complaint previously with both chase XXXX XXXX  case number XXXX and also to CFPB.Complaint number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The laws established by XXXX to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB, I am writing to express my dissatisfaction with the response I received from TransUnion regarding my dispute for XXXX  account number XXXX and XXXX  XXXX account number XXXX. Despite my previous attempts to resolve this matter, TransUnion has not provided any substantial information or resolution to my concerns. 

As a consumer, I am entitled to accurate and fair credit reporting. The lack of proper resolution is causing undue stress and potentially harming my credit standing. Therefore, I am requesting your assistance in resolving this issue promptly. 
XXXX XXXX handling of my dispute has been inadequate and unresponsive to my needs as a consumer. I am seeking the XXXX XXXX intervention to ensure that my concerns are properly addressed and that a satisfactory resolution is reached. 

I request an investigation into the accounts associated with XXXX XXXX  account number XXXX and XXXX XXXX account number XXXX. As the XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I require you  to provide proof of claim with evidence regarding your legal or lawful jurisdiction over me. I am asking all three major credit bureaus. To request those companies ' /person/ financial institutions. To provide the documentation requested by the consumer. You are hereby given XXXX days to respond in writing to this request. Should you fail to provide the requested documentation within this timeframe, TransUnion, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX will become liable for any damages I may suffer as a result. 

Your prompt attention to this matter is appreciated, and I look forward to your swift response. 
Please acknowledge receipt of this notice and inform me of the steps being taken to resolve this matter. 

XXXX  XXXX XXXX is collecting a debt they do not own there is no contract with the consumer. # XXXX XXXX XXXX XXXX XXXX XXXX - Social Security number is fraudulent on this contract XXXX  XXXX # XXXX - Account is showing as a charge-off ; collecting a debt without proof of a contractual contract. 

Section XXXX of XXXX XXXX makes it unlawful to hold a person in " debt servitude '' or peonage, which is closely related to involuntary servitude. Section XXXX prohibits using force, the threat of force, or the threat of legal coercion to compel a person to work against his/her will. Please note that none of these accounts are in any legal proceeding. You can advocate and assist me in this matter.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute of Incorrect Address Information Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute incorrect address information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c ( a ) ( XXXX ), credit reporting agencies are required to ensure the accuracy of personally identifiable information, including address history. 

The following incorrect addresses are listed on my credit report : 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 My actual and current address is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request the immediate investigation and removal of any incorrect or outdated addresses from my credit report, as they do not reflect my accurate and current residence. Maintaining inaccurate address information can lead to confusion, misattributed accounts, and potential violations of my rights under the FCRA. 

Please investigate this matter promptly and update my credit report to ensure it reflects only accurate address information. I request written confirmation of the changes made, along with an updated copy of my credit report, within the XXXX timeframe mandated by the FCRA. 

Thank you for your immediate attention to this matter. If you need further information, you may contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute of Incorrect Address Information Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute incorrect address information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c ( a ) ( XXXX ), credit reporting agencies are required to ensure the accuracy of personally identifiable information, including address history. 
The following incorrect addresses are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My actual and current address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I request the immediate investigation and removal of any incorrect or outdated addresses from my credit report, as they do not reflect my accurate and current residence. Maintaining inaccurate address information can lead to confusion, misattributed accounts, and potential violations of my rights under the FCRA. 

Please investigate this matter promptly and update my credit report to ensure it reflects only accurate address information. I request written confirmation of the changes made, along with an updated copy of my credit report, within the XXXX timeframe mandated by the FCRA. 

Thank you for your immediate attention to this matter. If you need further information, you XXXX contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of the Equifax XXXX XXXX in XXXX & the XXXX & XXXX XXXX XXXX XXXX  of XXXX & XXXX. As a result there are accounts on my credit report that I did not open, nor did I authorize anyone to open on my behalf. On XX/XX/XXXX I mailed over a certified letter with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting removal of these accounts that were not owned by me. On XX/XX/XXXX this letter was signed and recieved. The response to my written request was " Accounts returned as verified ''. On XX/XX/XXXX I provided subsequent written correspondence requesting debt validation letters showing my signature via written or electronic. This debt validation letter was never provided, nor did the information provided match any of my verifiable data in violation of ( FCRA ) Section XXXX ( a ). On XX/XX/XXXX I sent a final demand requesting the erroneous accounts be removed from my report before filling litigation for damages as a result of violations XXXX ( b ) of FCRa.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX. XXXX Account name : XXXX XXXX 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. 

XXXX5U.S.C 1681c. ( a ) ( XXXX ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681S-2 ( a ) ( XXXX ) 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX  XXXX Account name XXXX XXXX  XXXX Account name : XXXXXXXX XXXX XXXXXXXX. XXXX Account name : XXXX XXXX 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. 

15U.S.C 1681c. ( a ) ( XXXX ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681S-2 ( a ) ( XXXX ) 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
On Wednesday XX/XX/year> I woke up around XXXX am and checked my phone. I had a bunch of text messages from Cash App. The first alert showed someone unlinked my debit card from my Cash App account. The second notification showed they linked a debit card ending XXXX ( Not my card, not associated with this card ) Then they unlinked the card. I instantly logged into my cash app where they asked me to input my debit card information, since this person who got into my account unlinked it. I skipped it and went to my balance, and it was {$0.00}. They took everything I had in my cash App account. On XX/XX/XXXX at XXXX XXXX  my time they bought XXXX for {$890.00}. On XX/XX/XXXX at XXXX XXXX, they sold XXXX  for {$850.00}. On XX/XX/XXXX at XXXX XXXX  they transferred what I had in my cash app savings account in the amount of {$40.00} to my XXXX XXXX. On XX/XX/XXXX at XXXX XXXX they Withdrew {$890.00} and did an immediate transfer into their account called " XXXX XXXX XXXX. '' A bank I have never heard of, nor been associated with. 
I checked my email and was able to see these transactions were done On XXXX  the XXXX from XXXX XXXX XXXX  XXXX XXXX XXXX A completely different time zone than I am in. I immediately wrote cash app support disputing the transactions. I called support as well and they created a claim for me. The first lady didn't even provide me with a case number. They said it would take up to XXXX business days to hear a response and they would be emailing me with their decision. I got an email response XXXX business days later stating " Based on the information you provided, our investigation led us to determine these transactions were authorized by you or someone you authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed. It is clear as day, if they even dug halfway into my history with cashapp that these transactions were not " authorized by me '', I have no idea who got into my account or how. They stole {$900.00} dollars while i was XXXX, and cashapp did not do anything to help me out. FDIC insured my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/year>, I sent certified letters to TransUnion, XXXX, and XXXX stating that my credit report contained inaccuracies. On XX/XX/year>, I sent a certified letter to all three credit bureaus updating my social security number, birthday, employer, and phone number. On XX/XX/year>, I send another certified letter to all three credit bureaus requesting an update on my address and inaccuracies on my credit report. On XX/XX/year>, I received a letter from XXXX requesting my identification information. I sent identification information enclosed in the XX/XX/year> letter. The identification letter sent by XXXX is unclear because the letter cites 2 different addresses to send information. I sent another certified letter on XX/XX/year>. I have not yet received an answer to this letter. I received a dispute results letter on XXXX XX/XX/year>. My current name change and address were not addressed in the dispute letter. I sent a certified letter dated XXXX XX/XX/year>. The update of my address and name seems to be deliberately overlooked. None of my information is being verified against my credit report. I received XXXX depute reports 1 day apart. Disputes are supposed to take up to 30 days. My duputes took 1 day. I sent another certified letter to XXXX dated XXXX XX/XX/year> containing the inaccuracies on my credit report. I received a dispute letter dated XXXX XXXX, 2024, stating they verified information with the creditor and not verified on my credit report. The addresses listed are not the same as those in the letter dated XXXX XX/XX/year>. I do not know where the address came from, and I never lived in Texas, Indiana, Florida, or Colorado. I seems that XXXX is cross-referring credit data with the wrong people.

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 2024-11-26 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: Wallace Management Company, LLC
State: FL

Complaint narrative:
liberty fcu XX/XX/year>. I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.

Company response to consumer: Closed with explanation