vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Sent the notice to a wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: UT

Complaint narrative:
On XX/XX/year> I attempted to make a XXXX transaction through cash app it told me for my safety it was not allowed at this time so I accepted it didn't try it again I then tried to cash my Bitcoin back to my cash balance which is where it started from and it wouldn't let me lock my account up is now XX/XX/year> my account is still locked and every time I call them they will not tell me why my account has been locked they will not offer me any further information all they tell me is our team has escalated your case it is working diligently to resolve this issue so understandably I have become upset now I feel like they're doing this maliciously there is nothing to understand I have submitted all documentation the first day they locked my account that they asked for I send them my ID my debit card copies and a selfie of me holding the card all I'm waiting on is ID verification if they can't figure that out XXXX  days but other people are getting their accounts unlocked XXXX to XXXX hours this is ridiculous all I want is my account unlocked my funds released so I can close out my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Employer - XXXX XXXX Employer - XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2024-06-19 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-18 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: NC

Complaint narrative:
It has come to my attention that an inquiry has been made on my credit file without my prior knowledge or approval. As per the standard practice, an inquiry should only be made with the applicant 's consent. 

Therefore, I kindly request that the inquiry be removed from my credit file, or alternatively, that you provide me with sufficient documentation indicating that a permissible purpose existed for making the inquiry INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TN

Complaint narrative:
I was called by " Chime Fraud Alert '' about a fraudulent charge that I had not made myself. I declined it. However this person somehow gained access to my account and without me knowing drained my account completely empty to {$0.00}. I reach out to Chime Fraud the next day when I realized this had taken place. They opened a case against this claim, and determined within 2 days that there was no error here and closed the case. I reopened as soon as I found this out. And again, upon investigating claimed there was no error. So, I reopened for a second time and it is currently being investigated. 
There were XXXX fraudulent charges within less than 24 hours of beginning. I do not see how this isn't a text book fraud claim, and should be handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX, XXXX, and experian, continue to report inaccurate and false information on my credit report. They are violating the COVID 19 CARES ACT as well as FCRA LAWS. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The CARES ACT was in place to protect consumers against this.

According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score. Furthermore, Section 611 of the FCRA requ
ires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 

I have disputed these late payments with XXXX, XXXX, and XXXX but to date, no action has been taken to correct the inaccuracies on my credit report. XXXX and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that XXXX, XXXX, and XXXX have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that XXXX, XXXX, and XXXX take immediate action to remove the inaccurate late payments from my credit report and to comply with their obligations under the FCRA. If XXXX, XXXX, and XXXX fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations. 

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to 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 explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX, and experian, continue to report inaccurate and false information on my credit report. They are violating the COVID 19 CARES ACT as well as FCRA LAWS. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The CARES ACT was in place to protect consumers against this. 
According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score.

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports.

I have disputed these late payments with XXXX, Experian, and XXXX but to date, no action has been taken to correct the inaccuracies on my credit report. XXXX and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that XXXX, Experian, and XXXX have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that XXXX, Experian, and XXXX take immediate action to remove the inaccurate late payments from my credit report and to comply with their obligations under the FCRA. If XXXX, Experian, and XXXX fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations.

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to 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 2024-06-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2024-06-18 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: CA

Complaint narrative:
Im writing to formally request that TransUnion block certain information on my credit report due to identity theft and fraud, in line with FCRA 605B ( 15 U.S.C. 1681c-2 ).

Here are the fraudulent accounts I need removed : 1. A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$5100.00}. 
2. A personal loan account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$5400.00}. 
3. A mortgage loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$370000.00}. 
4. A banking account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 
5. A banking account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer XXXX credit report. I've attached a list of the hard inquiries in question, as well as a copy of my consumer XXXX credit report from TransUnion showing these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] as proof from the US Federal Trade Commission confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CBC Companies, Inc.
State: IA

Complaint narrative:
I sent my dispute through certified mail with copies of all the proper identification requests and included the relevant pages from the credit report. They ignored the request for my report to be completed using updated information and left the report VERY incomplete and wildly inaccurate or outright incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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