vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
I am submitting a formal complaint against the credit reporting agency Experian, which has failed to correct inaccurate information on my credit report following XXXX formal dispute attempts. On both occasions, I provided the necessary documentation to demonstrate that the reported late payments on the account in question were inaccurate. However, the information continues to appear on my credit report without the requested corrections, negatively impacting my credit profile and my ability to access credit on fair terms. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Dates of Reported Late Payments : XXXX XXXX, XX/XX/year> It is important to note that this account is only being reported by Experian and does not appear on the reports of other credit bureaus, suggesting a lack of consistency in the reported information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 5 ), it is mandated that if the reinvestigation of a dispute does not resolve the consumers complaint, the credit reporting agency must delete the disputed information within five business days following the conclusion of the reinvestigation. Experian has failed to comply with this regulation by retaining the inaccurate information, constituting a direct violation of the FCRA. 
This negligence not only disregards Experians legal obligations but has also caused significant financial harm and emotional distress by impairing my ability to access credit under reasonable conditions. 
I request that the CFPB investigate this matter and intervene to ensure that Experian fulfills its responsibilities under the FCRA. I am requesting the immediate removal of the disputed account from my credit report and the implementation of necessary measures to prevent this situation from recurring. Additionally, I expect to receive confirmation of the actions taken by the CFPB in response to this complaint. 
Enclosed are supporting documents, including copies of the dispute letters sent to Experian, my credit report, and evidence of the inaccuracies in the reported information. 
Thank you for your attention to this matter, and I trust that a prompt resolution will ensure the accuracy and fairness in the handling of 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 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/year> XXXX : Dispute of Collections Action : Case # XXXX To Whom It May Concern : I am writing to formally dispute the inaccuracies reflected in my credit report concerning the collection actions associated with your agency. Attached you will find a copy of my credit report with the disputed items highlighted for your review. 
Specifically, I am contesting the following entry : RESURGENT/LVNV FUNDING Account # XXXX Dispute Item and Explanation : Permissible use violation, reporting to a third party inaccurate Private and personal Information, not providing original documentation of consumer relationship/debt or promise to pay, or contract. 

As mandated by state and federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand that you provide verifiable proof of this alleged debt. It has come to my attention that you have already contacted a third party regarding this matter, which is a blatant violation of the FDCPA. This misconduct is unacceptable and further undermines your credibility as a debt collector. 

I hereby instruct you to immediately cease all collection efforts until you have furnished adequate verification of this debt. You are also directed to refrain from contacting any third partiesincluding my employer, neighbors, or family membersabout this collection. All future correspondence must be conducted in writing and sent directly to me. 

Furthermore, I assert that any reporting of this matter to credit reporting agencies is premature. You are required to halt any negative reporting until you have thoroughly investigated my dispute. If any negative information has already been reported, you must notify the credit bureaus to remove such information pending the outcome of your investigation. 

Your next communication with me must either confirm that the creditor has failed to verify the debt and that the matter is closed or provide solid proof of my responsibility for this debt. If you assert that the debt is valid, I expect a comprehensive explanation for your refusal to remove it from collections, along with copies of all relevant documents, including applications, bills, communications, and payment records. 

I expect your acknowledgment of this notice within 14 days. Failure to comply will leave me no choice but to escalate this matter to the appropriate regulatory authorities and seek legal recourse. 

Sincerely, _______________________________________ XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: NC

Complaint narrative:
Yes I have a complaint against cash app because not only was my account hacked but when I reported it to them from a new account that they tell you to start when you call there phone number and when you XXXX how to get in touch with customer support agent. So I started new account with the cash tag XXXX XXXXXXXX and they were great and very helpful and after verifying my identity they got me my account back but my problem is when I went to make a report to dispute the transactions that were made while the hacker had access to my account. They sent me a message to verify my identity and said that they were putting my dispute on hold until the XXXX of XXXX but before I was given a chance to do anything they closed my account on the XXXX th of XXXX. And denied all of the dispute claims I made and there was only XXXX but they didn't even have a record of my account getting hacked or the conversation with there customer service agent that got me back into my account. You would think that it's something they would attach to the hacked account in case there's any issues in the account that need to be disputed. But apparently not because I was treated like a criminal and they have been very very rude and not listening when they are saying that I violated there terms and conditions when I didn't even have the account in my possession and I couldn't get logged in or anything. I'm going to submit screenshot of my entire conversation with the agent that was helpful in getting my account back for me. I just wished she would have attached the conversation to the account she logged me back into. That would have solved the whole issue because they wouldn't be treating me as a common criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
the information comes back empty. doest show the date it was open nor any transactions, but rather it says a different year on the last statement being almost 2 years since it was closed. Need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: Opportunity Financial, LLC
State: IN

Complaint narrative:
In response to the last complaint filed, Opploans stated a 1099C is only filed when {$600.00} or more in debt is written off and that none of my debt has been wrote off and I'm still liable for the amount yet they are reporting to the agencies that the debt is a charge off. A charge off is considered income by the IRS and income CAN NOT be reported on a credit file. XXXX clearly states my debt was written off. See attached screenshot. 

I'm also disputing the amount owed because according to XXXX. opploans has severl lawsuits filed against them but due to the arbitration clause, they are all being done separately in arbitration. Indianas laws cap a personal loan at 21 % and this rate was well over 100 %. This is exactly what the class actions are about. I would really love to come to an agreement of removing the tradeline from reporting and avoiding litigation/arbitration as Opploans is already in very hot water as it stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
Attached is everything I sent to the property management havent received anything back and will move forward to sue due to not removing this debt when I sent numerous complaints about this matter. Will file a police report did not know I can file a report if I dont know who did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I was contacted by Macy 's saying my account was late on a payment. I had a lot of trouble with them in the last couple months so in XXXX I spoke with someone and she kept giving me wrong balance and said I have XXXX accounts. She ended up giving me a number and told me account was closed. I received an email today saying my account still outstanding. I contacted the number and spent an hour on phone with them telling them I had paid. They said I had XXXX accounts but the XXXX account was closed and the other was still open. They asked for the last 4 of my ss and last 4 of checking account. When they told me they had a problem with connection they asked for my date of birth and I said no way. They said ok can you tell me zip code and I gave them and either or. 
I finally hung up when I realized the number they gave me was a potential scam. What do I do?

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 monetary relief
Consumer complaint received 2024-10-20 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: EdFinancial Services
State: WA

Complaint narrative:
I made a payment of {$2700.00} on XX/XX/2023 to Edfinancial Services for my student loans, after I made the payment I i checked my account and it seemed like everything went through fine, but after graduation and I had my 6 month grace period I asked them if they still see my {$2700.00} payment. They say that they don't see my payment that I made. Even when I have proof of payment, I send the documents to them on XX/XX/XXXX. The email they send said it was going to take 10-15 but it has been over a month now and still no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: MO

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681. The accounts listed below have egregiously violated my right to privacy and the accuracy of reporting :. Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  . Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX My Credit Report was updated in XX/XX/year> to which the Credit Bureau knowingly furnished inaccurate and incomplete information.

15 U.S.C. 1681 Sec. 602 ( A ) States I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Under 15 USC 1681 ( e ) ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy in their reports. This has clearly not been done in my case, and the errors remain unaddressed.

Under 15 USC 1681i ( 5 ), it is the agencys responsibility to promptly delete or correct any information found to be inaccurate and incomplete during a dispute. Despite this legal requirement, the inaccuracies continue to persist on my report, causing unnecessary hardship.

Under 15 USC 1681s-2 explicitly states that furnishers must not report information they know, or have reasonable cause to believe, is inaccurate. These accounts have been reported in violation of this law.

Thank you for your prompt attention to this matter. 

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 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased from a company called XXXX XXXX, multiple items in XXXX different transactions at the end of XXXX. I sent vendor many emails and never received anything back so I contacted XXXX Bank credit card ( which was the card I used ) and they claimed they would investigate. The company XXXX XXXX sent US bank fake tracking numbers ( I never received anything ) and us bank credit card closed the dispute in the fake vendors favor. I have contacted us bank too many times to count about this issue but they wont reopen the case.

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 monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Hello, In XXXX, I was able to wire transfer money internationally in USD, and again in XXXX and XXXX as my account history shows. and the bank charged XXXX or XXXX $ XXXX for that transaction. 
I tried in the past 3 to 4 days to make an international wire transfer in USD but Bank of America is giving me error message ( online or in person at the branch ). I tried to do the wire transfer to multiple international banks in 2 different countries. all gave me the same error message. 
The bank error reads " we are unable to process your request. if your beneficiary is able to receive a different currency, you may try again with that currency. we apologize for the inconvenience " When I try to do the same international wire transfer in the foreign currency of the receiving bank, it works fine. ( no error messages ). and only shows the exchange rate of Bank of America for that currency.

Facts : 1 ) Bank of America ( both online and in person ) denying my wire transfers in USD to foreign bank accounts.

2 ) I tried multiple different foreign banks in 2 different countries.

3 ) all the foreign bank accounts are in USD. so the money will be received and handed internationally in USD.

4 ) all my attempts resulted in the mentioned error message.

5 ) Bank of America ( online and in person ) only allowed me to proceed with the international wire transfer, if I indicate the amount to be sent internationally in the local currency of the recipient bank.

6 ) multiple Bank associates told me ( in person and on the phone ) that the error message is because the recipient bank is not communicating their fees to Bank of America. therefore Bank of America can not proceed with the transfer because it can not disclose the international bank fees as required by federal law in the U.S.

7 ) when I tried to do the international wire transfer in the local currency of the recipient international bank. Bank of America failed to disclose any type of fees of the recipient bank. but only showed bank of America exchange rate to that currency.

8 ) I called Bank of America and spoke to 3 agents who failed to give a straight answer to why I can not send foreign wire transaction in USD to foreign bank account ( account in USD ) as I did many times in the past. they only said laws changed.

9 ) if laws changed, why does the option to wire internationally in USD, still available ( online and in person ). 
10 ) I filed a formal complaint with agent XXXX from Bank of America on XX/XX/XXXX when I called on XXXX XXXX ( the phone call with Bank of America lasted 1 hour and 24 minutes ). 
11 ) Bank of America formal complaint number is : 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 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
preface : previous complaint # XXXX With this complaint i CLOSED this account. A couple weeks later, I received a closing balance statement in the mail showing XXXX with notification that the account is now closed as of XX/XX/XXXX from, Goldman Sachs. 
Several months later, I receive a voicemail from GS that they illegally reopened my account and put a balance on it, of XXXX XXXX XXXX XXXX XXXX XXXX I called them back and told them that this was illegal activity, I owed them nothing and I have mailed statements to prove it along with the closing in XX/XX/XXXX. 

Goldman Sachs is now destroying my pristine credit AND threatening my livelihood ( because my top-secret clearance career depends on quality money management w/o debt collections ). They are doing so by Posting illegal past due bills and charge offs to my Credit report did they claim started in XX/XX/XXXX!!!!!. Illegally reopening my credit card account and putting a fee on in Retaliation for my complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
Subject : Complaint Against Transunion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge XXXX Amount : {$0.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Transunion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of Transunion to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Ttransunion upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

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 2024-10-20 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: StellarFinance, Inc.
State: TX

Complaint narrative:
I am writing to dispute the inaccurate reporting of payment information on my credit report. Specifically, your company has reported 30-day late payments for XX/XX/year> and XX/XX/year>, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). This information is incorrect and must be removed immediately.

Furthermore, I have confirmed that Stellar Finance 's business registration is inactive in the state of Texas, and the companys right to transact business has been forfeited. As such, Stellar Finance lacks the legal authority to report any account or conduct business activities within the state. 

Additionally, I previously informed your company that my personal information was compromised in a data breach, and no efforts were made to properly verify the legitimacy of this account. I have attached business registration details and data breach documentation to support my dispute. 

Outside of these issues, the account must be removed for the inaccurate payment history alone, which I have also included for your reference. 

Please take immediate action to correct these errors and remove this account from my credit report. I expect written confirmation of the removal within 30 days, as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation