vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: VA

Complaint narrative:
15 USC 1681 refers to a section of the United States Code related to the Fair Credit Reporting Act ( FCRA ) .Specifically 15 USC 1681 is the title of the ACT that governs how consumer credit information is collected, maintained and used.The FCRA aims to promote accuracy, fairness and privacy of consumer information contained in the file of consumer reporting agencies. XXXX, TRANSUNION AND XXXX INFORMATION BREACHED, FTC REPORT ATTACHED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MULTIPLE ACCOUNTS, XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX REQUESTED ASSIGNMENT CONTRACT XXXX NO RESPONSE, XXXX XXXX @ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS THAT IS NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORTS. ATTACHED PAPERWORK. DELETE THESE ITEMS OFF MY CREDIT REPORT. NOT VALID INFORMATION HAS BEEN BREACHED MULTIPLE TIMES.

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 2024-09-14 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: VA

Complaint narrative:
15 USC 1681 refers to a section of the United States Code related to the Fair Credit Reporting Act ( FCRA ) .Specifically 15 USC 1681 is the title of the ACT that governs how consumer credit information is collected, maintained and used.The FCRA aims to promote accuracy, fairness and privacy of consumer information contained in the file of consumer reporting agencies. XXXX, XXXX AND EQUIFAX INFORMATION BREACHED, FTC REPORT ATTACHED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MULTIPLE ACCOUNTS, XXXX XXXX XXXX  @ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX REQUESTED ASSIGNMENT CONTRACT XXXX NO RESPONSE, XXXX XXXX @ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS THAT IS NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORTS. ATTACHED PAPERWORK. DELETE THESE ITEMS OFF MY CREDIT REPORT. NOT VALID INFORMATION HAS BEEN BREACHED MULTIPLE TIMES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received {$80.00} to my cash app account By mistake the money was sent to my overdrawn XXXX XXXX account. 
Immediately contacted XXXX XXXX they said I had to file a claim so I did that and then they returned the money on XX/XX/year> to my cash-app account that it was originally sent from. 
Since that day I have numerous times to find out why the money was never posted to my cash app. The amount would have been {$78.00}. that is the {$80.00} that was originally sent minus the {$1.00} Transaction fees that cash app charged me. 
I would gladly send you a record of all of the complaint and record numbers for my calls to cash that but there are truly too many of them to count. I have been told on numerous occasions that the the complaint had been escalated which means that it has 10 days to rectify the situation but they still have not. I spoke to supervisor after supervisor and have gotten nowhere. I continually get emails and told that the case of an escalated but that doesn't mean anything because it has still not been handled. They have closed case after case and complaint after complaint of mine but yet never taking care of the situation I'm asking is that my money is returned the {$78.00} to my cash account. I have sent them all the information that they have requested from XXXX XXXX as far as documentation goes, I have had XXXX XXXXXXXX conference call with me to cash app so that the bakers at XXXX XXXX could personally tell them they sent the money..I don't know what else to do. They refuse to return the money despite written and verbal proof that it was sent back.it has now been almost 2 months. I just want my money. U have lost a job already over having to spend time in the phone with cash app over this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: RI

Complaint narrative:
Hello, On XX/XX/XXXX, Money Network bank withdrew {$180.00} dollars from my XXXX XXXX account without my consent. When I contacted Money Network customer service representative about this issue, the representative said that they could see in the notes that money was taken out from my XXXX XXXX account in regards to a dispute complaint I requested back on XX/XX/year>. I explained to the representative that I submitted a dispute to Money Network on XXXX in regards to a negative balance I had on my child support card because I didnt understand the reason for the negative balance, and I explained to the representative that although Money Network submitted the dispute on my behalf, Money Network bank never gave me a provisional credit. Also, I explained to the representative that because I didnt receive a credit, I had to pay the negative balance from my own child support deposits each week until I cleared the negative balance. 

Then, I asked the representative about the reason why I was charged {$180.00} from my XXXX XXXX I explained again to the representative that the negative balance was cleared from the child support deposits, and I never received a provisional credit from Money Network, then, why did Money Network took out {$180.00} dollars on Monday XX/XX/year> from my XXXX XXXX account? The representative said she didnt understand why and asked me to contact a supervisor next week. 

My prepaid child support card was issued by Money NetworkXXXXXXXX XXXX XXXXXXXX XXXX a service of XXXX XXXX XXXX XXXX XXXX 

Money Network telephone XXXX Please review and help if possible. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
On XX/XX/XXXX I notice my credit score dropped.

Mohela student loan services had reported the same student loans again for the second time.

So it's showing doubled the amounts on my credit report that have already been reported.

The amount is also for the full amount instead of the amount that I actually owe.

I only owed about {$70000.00} for Mohela but now my credit report is showing {$130000.00} for Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX ; I made a payment in the amount of {$540.00} to Consumer Portfolio Services Inc for the XXXX XXXX XXXX I purchased in XXXX, XXXX. On XX/XX/XXXX, I made a payment in the amount of {$250.00} for the month of XXXX, XXXX which leaves a balance of {$290.00}. Therefore, I owe a balance of {$290.00} for the month of XXXX, XXXX. On XX/XX/XXXX ; I received a bill statement stating I owe {$1000.00} for the month of XXXX, XXXX. My car is due on the payment XXXX day of each month. I do not owe {$1000.00} for the month of XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

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

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion 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. Transunion 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 Transunion 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 Transunion upholds its obligations under the law. 

Sincerely, 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 2024-09-14 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: VA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
They have refused to remove inaccurate personal information from my credit report. I sent letters to the credit bureaus via XXXX XXXX XXXX with the following details : Equifax : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXXXXXX XXXX. The letter concerned a XXXX address that I have never lived at or been to before. This is not my current or previous address. 

XXXX : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXX, XXXX The letter addressed a XXXX address ( which I have never lived at or been to before ) and a XXXX address, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, which is not my current or previous address. 

XXXX : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXXXXXX XXXX. The letter concerned an Iowa address that I have never lived at or been to before. This is not my current or previous address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
They have refused to remove inaccurate personal information from my credit report. I sent letters to the credit bureaus via XXXX XXXXXXXX XXXX with the following details : XXXX : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXX, XXXX. The letter concerned a XXXX address that I have never lived at or been to before. This is not my current or previous address. 

XXXX : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXX, XXXX The letter addressed a XXXX address ( which I have never lived at or been to before ) and a XXXX address, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, which is not my current or previous address. 

Experian : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXX, XXXX The letter concerned an Iowa address that I have never lived at or been to before. This is not my current or previous address.

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 2024-09-14 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: GA

Complaint narrative:
All the following hard inquires Via Equifax have no open accounts on my credit profile. I previously had them removed & Equifax had them placed back on my credit profile. I ask they be removed immediately. 



XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion 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 XXXXXXXX XXXX Account Number : Date of Charge Off : XX/XX/year> Amount : {$1200.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion 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. Transunion 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 Transunion 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 Transunion upholds its obligations under the law. 

Sincerely, 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 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Aspire Credit card. I was charged a {$41.00} late fee because they say my debit card for automatic payments is expired. When I go to the payments page, it shows my debit card expiration date as XXXX. I could not get a confirmation of a one time courtesy late fee waiver and am told I have to wait for it to reflect on my next statement. 

They have no problem accepting a {$160.00} payment last month with the same card, but when it comes time for the auto pay, the card is magically expired and I'm charged a {$41.00} late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-14 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  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have worked with this site to dispute an error on my report. XXXX took it off while trans union and XXXX  refuse to. The document below is from here stating the XXXX did not have a record of that debt. Trans union has " magically '' found an account number when I've asked before from XXXX and I never got one nor postage from them at all with any information about this debt. This is a scam and ruining my ability to rent apartments.

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 2024-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This company violated my rights as a consumer. They were reporting to the credit bureau late payments during Covid under the Covid cares act XXXX Was Reporting to the Credit bureau as late payments instead of current, when I fell behind on my payments due to Covid, causing me to lose my credit card, I called and contacted them regarding this, and I was forced to make payment arrangements even though I did not have the money to make the payments after they continuous begin to hit my credit multiple times they violated the law, which states The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. They did not comply with this during my financial hardship, causing me to lose my credit card that I had been making payments on time until XX/XX/year> I fell on hard times and was unable to make those payments, and I called them stressing to them that I was unable to make the payments due to Covid and still end up losing my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I needed a new roof and went through the roofing company, which offered an option of no payments/interest for 18 months. To get this offer, I was directed to " Upgrade , Inc '' upgrade.com. If not paid off in 18 months, I would end up paying 29.49 % interest from the beginning of the loan. 

" However, note that you selected an offer where interest accrues during the Promotional Period but is waived if you pay your loan in full before the Promotional Period ends. '' The interest rate is : 29.49 % I filled out their paperwork requesting XXXX, which ended up with approximately XXXX due to overruns by the roofing company. Once the job was done, Upgrade sent me information regarding the terms and payment schedule. The payment schedule they gave me was XXXX a month, which would pay off the loan in over 33 months, not 18 months, which is required to pay off the loan with no interest. You can set up an autopayment with them for only XXXX a month. 

This doesn't seem right and is predatory. If I hadn't read carefully, I might have assumed the payment amount would pay off the loan in 18 months. 
- I wanted an 18-month loan - not a 120-month loan. 
- I requested to increase my autopayment to an amount that would pay off my loan in time, but they don't allow it. I can go online each month to make extra payments. But I prefer to use autopayments to ensure my bills are paid on time. 

They are setting people up for failure. And, unlike a credit card- they don't tell you how much you will be pay, in total, if you follow their payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
For the past 2 years between the dates of XX/XX/2022 - Now I received phone calls and emails claiming that I owed money to this party. I called to request a letter of verification and validation of this debt by contract between their company and myself. I was denied several times. I am unaware of where this came from but it does not belong to 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