vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2024-10-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am seeking your assistance regarding this incorrect account being listed on my credit report. This issue has negatively impacted my reputation, and I need your support to resolve it. Your mishandling of my report has greatly affected me, and this mistake has tarnished my reputation. You must take action to remove this incorrect information 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 explanation
Consumer complaint received 2024-10-15 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had a non-recourse business loan and the company filed a lawsuit in NY. I reside in Florida. 

Florida law states that a judgment must be filed in the County the debitor lives as a foreign judgment and this was not done. XXXX XXXX is where my XXXX  is located. I was also never served. The merchant cash advance loan company filed in NY to make sure I was unaware and they never served me. 

Navy Fedral froze my account during the Florida hurricane totaling {$2500.00} which left me stranded due to evacuation. This obviously caused massive stress during a life threatening hurricane.

I would like my funds released based on Florida law, and reviewing the court site which shows there is not a foreign judgement filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery- they continue to update the balance for new dates dinging my credit, I never owed them I never payed them they didnt want to settle for less I tried to pay them .how do they get to keep updating the balance owed and or dates? Thats not right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personally identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX XXXX, MI XXXX Please delete all other addresses. I can not receive mail or any correspondence at those addresses, nor do I have access to them. Therefore, please delete these outdated addresses and update my report with the one listed above. 

My only phone number is ( XXXX ) XXXX. 
Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the Fair Credit Reporting Act, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed below. 

My contact information is as follows : Name : XXXX XXXX XXXX : * -- XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: MI

Complaint narrative:
To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personally identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other addresses. I can not receive mail or any correspondence at those addresses, nor do I have access to them. Therefore, please delete these outdated addresses and update my report with the one listed above. 

My only phone number is ( XXXX ) XXXX. 
Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the Fair Credit Reporting Act, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed below. 

My contact information is as follows : Name : XXXXXXXX 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 2024-10-15 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:
XXXX. I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I recieved it.

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 2024-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
- On XX/XX/XXXX I opened a Citi XXXX XXXX account with Citi Bank - XXXX XX/XX/XXXX I received the ATM/debit card in the mail and was able to add funds to savings account ( the ATM card number and PIN were needed to verify the account before I was able to add money into the account from my personal checking account at XXXX  XXXX XXXX  XXXX XXXX ] XXXX - On XX/XX/XXXX I moved {$5000.00} into the Citi XXXX  XXXX account from my personal checking account at XXXX Bank and received confirmation that this fund transfer was in process - On XX/XX/XXXX I checked my Citi mobile app to verify that the transfer had gone through and my entire Citi XXXX  XXXX account had disappeared and was inaccessible to me. The {$5000.00} had been successfully transferred OUT of my personal checking account at XXXX Bank but the Citi XXXX account was completely gone - On XX/XX/XXXX I phoned multiple Citi Bank departments and was able to get no answers about why my account had been closed, where my money had went, or when I would get my money back - On XX/XX/XXXX I opened a case with the Citi Bank executive office - On XX/XX/XXXX I spoke the Citi Officer of the Bank handling my savings account case and was told no additional information but that my account was being closed. She did not tell me when it would be closed and could not tell me when I would receive my {$5000.00}. She just said I had to wait 30 days and then I would need to contact the Citi XXXX department to confirm the account closure process and that IF my money could be returned, it would be returned in the form of a check to my mailing address on file. 
- I absolutely NEVER violated the terms of my account for the account to be closed in the first place. I do not care about keeping the account open ( after this horrific experience I never want to work with Citi Bank again ) but I am very concerned I am not going to receive the {$5000.00} that I had transferred into the Citi savings 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 non-monetary relief
Consumer complaint received 2024-10-15 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREENSKY OPERATIONS, LLC

Complaint narrative:
We were interviewing contractors to install a new fence around our property. XXXX XXXX XXXX XXXX XXXX contact us via landline and we agree to have them come over to explain the process they sent over two reps who gave us a price to install the new fence. 
We were impressed with their rep so decide to go with them. They wrote up the contract for {$24000.00}. and I gave them deposit of {$1000.00} dollars with my debit card. They stated the payment would be in XXXX XXXX payments as the work is being done. We made an addedum to the contract which then was {$19000.00}. Phase 1 {$6300.00} and Phase 2 {$6300.00} and Phase 3 {$6300.00}. On XX/XX/year> XXXX XXXX came did to do pre-measurments. We stated we were trying to find a good interest and want to go to our credit union but needed to find out my husband credit score. XXXX said he could do that on his phone. He took my husband information and ran it. Unbeknownset to my XXXX XXXX XXXX husband XXXX has signed him up for a credit line with Greensky. We started getting bills and called Greensky and asked what was the bill for. They said your contractor billed them because he finished the job. We stated he hasn't even started. They told us to tell him to send the money back. We called XXXX and ask why did he open this account and why did he bill them for work he hasn't even done. XXXX got paid for the Phase XXXX, XXXX and XXXX all in the same day. We went to the XXXX XXXX XXXX who contact XXXX and he was supposed to pay us back but refuses to this day. Greensky keeps sending us bills and has sent my husband to collections and put a negative report on his credit so we can't get a loan from the credit union to get a new contractor to come and do the work that XXXX never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: TX

Complaint narrative:
YOU HAVE NO MORE TIME TO FIX THE ISSUE : XXXX Discover Bank Delete the account. OR provide me with the 1099, point of contact and how they verified the information even though it's not the same on all reports and how doing that can be considered accurate, as well as a notarized letter stating the CEO/CFO is aware of the issue and the debt is NOT already paid, been in collections, a tax write off or in que to be, and a pay to delete is not and has not been an option even though I should had been told it was. 

Law 15 usc 1681 Treatment of inaccurate/verifable info 5A : 3a.Factual dispute : date of last activity, factual dispute : pmt Factual disputes inaccuracies : 1 reaging the account is illegal ( you did that ) 2 Misrepresentation of the account status ( Not unanimous ) 3 Not reflecting a 0 after sold/trans/paid ( its a charge off ) 4 Inconsistent balance across 3 bueros 5 DAte of first delquincy illegally changed ( switched when updated after I reported the account then changed back after it was " verified '' ) 6 Changes after 180 days charge off status ( you are still showing it as CO but there should be 0 updates on a closed account let alone a Charged off account.

This has took more than 30 days and I have the right to get it removed.

Attached is certifed mail from the company not responding to my request and you guys allowing it.

Another violation : THE DOCTRINE ENGELHARDT ( MO ) 281 SW 715./13.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT.

send gifOMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION PROORT Y IFORMAAIPMPER 15 USC 160468

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently examined my credit report and noticed multiple accounts that appear to have been added without my consent and are inaccurate. I ask for the immediate removal and blocking of these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
On the dates of XXXX, I have recieved XXXX calls from Barclay 's . Also, I believe that the calls have been made in retaliation regarding my previous complaint : XXXX filled on XX/XX/year> at XXXX XXXX  concering calling during a prohibited time ( after XXXX XXXX  XXXX. ) After filing my complaint, I have recieved XXXX additional calls from Barclay 's, and this leads me to believe the subsequent calls are retailiatory in nature.

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 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent {$170.00} to my mother as rent payment. On XX/XX/XXXX I filed a dispute with my bank for a transaction I made with my debit card, during the process of filing the dispute, my bank ( XXXXXXXX XXXX  ) accidentally filed a dispute for the transaction to my mother through cashapp ( Square Inc. ). My Mother notified me on XX/XX/XXXX that the {$170.00} was reversed on her bank statement as a payment to me because of the mistake made by my bank during the dispute process. I contacted my bank on XX/XX/XXXX to close the dispute. I also contacted cashapp support were I was assured that I would receive a refund for the {$170.00} that was sent or because I closed the dispute, the funds will be sent back to the original payee. The funds were supposed to be released to my bank or sent back to my mother on XX/XX/XXXX but neither of us have seen the funds in our cashapp accounts or bank accounts. 

After contacting my bank they notified me the dispute is closed and they never received any funds from Square inc or cashapp for the amount mentioned for {$170.00}. Originally when I reached out to cashapp about the refund or repayment, they claim they are the communicating with my bank about the disputed amount ( even though the dispute is closed ) yet I was told on multiple occasions the funds would be sent back the payee or refunded to me. After contacting Cashapp support for the past two days, they now say, they do not see a transaction for that amount and there is nothing that they can do besides take a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I paid off my loan in full on XXXX in the amount of XXXX. On XX/XX/year> that amount was taken out of my checking account but only XXXX was applied to my loans. What happened to 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 2024-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
My ex husband decided on his birthday to open a account n get a phone under my information. It's not mine. And XXXX  hit and I'm XXXX so I can't pay all this but need my credit back Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: NC

Complaint narrative:
To whom it may concern, I am writing a letter of dispute. I have included a copy of my driver 's license and social security card to validate my identity. In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 
I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record. 
I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. 
I formally demand the following negative account records to be verified and/or removed immediately. 
Must provide proof of all your verification of the debt Explain and show me how you calculated what they say I owe Provide me with copies of any papers that show I agreed to pay what they say I owe with the original contract and my signature Identify the original creditor Provide a verification or copy of any judgment ( if applicable ) Please provide proof of the debtor, that they are licensed in my state and provide me with their license numbers ( if applicable )

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 2024-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
A debt of {$17000.00} is trying to be collected for an apartment I've never lived at or applied for.

Company response to consumer: Closed with explanation