vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to dispute inaccuracies in the reporting of my XXXX  XXXX account ( Account # : XXXX ) on my credit report. This is my second dispute regarding this issue, as no changes have been made since my initial request submitted on XX/XX/XXXX. 
Details of the Disputed Account Account Number : XXXX Account Type : Revolving ( Credit Card ) Account Status : Paid Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Balance : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Disputed Late Payments I noticed that two late payments are inaccurately reported for this account : XX/XX/XXXX XX/XX/XXXX These payments were made on time. The reporting of late payments is inaccurate and negatively affects my credit report. I am requesting that you confirm the account status remains " Paid As Agreed Never Late '' and ensure that no errors exist in your records.

Request for Investigation and Documentation Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I kindly request : A detailed description of the investigation process used to verify this account 's information. 
Documentation of the evidence supporting the reporting of late payments. 
If you can not provide verifiable proof of the alleged late payments, I request that the account be updated to reflect its accurate status as " Paid As Agreed Never Late. '' Attachments For your convenience, I have included the following : A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of my address. 
A copy of my current credit report showing the account in question. 
Thank you for your prompt attention to this matter. Please respond within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I received a Cashier Check of appr XXXX $ which I deposited on XXXX XX/XX/year>. 

It was an advance payment for the rent and security. The scammer said that his company has created a check of higher amount which he will be using for other requirements and asked me to return the extra money once the check gets credited. Requested to do the payment through a wire transfer. 

Only once the cashier check got credited I felt safe to made wire transfer since I trusted the verification process of the bank. 

I deducted XXXX month rent and security and transferred rest of the amount which was XXXX $ to the account provided by scammer. This was done on XXXX XX/XX/year> XXXX day I realised that something is fishy and complaint to the bank and raised the claim on XXXX XX/XX/year> But the money was already debited. 

This was the highest amount ever deposited in my account in a single transaction. 

And also the highest value of wire transfer done from my account in a single transaction. 

Still Bank of America did not do due diligence of verifying the unusual activity or blocking the transaction since the check was fake. They couldn't detect the fake check. 

It was a sheer case of negligence on banks side. 

I have raised the claim and waiting for the process to complete for last two weeks

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 2024-12-06 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( D ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, insert your accounts you want deleted here 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 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 
Account Name : XXXX XXXX Account Number : 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX  XXXX Account Number : 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX XXXX has my account sent to collections, but still reporting my account closed with a balance. Please have this account removed from all three ( XXXX ) bureaus as this information is hurting my credit report significantly.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has my account sent to collections, but still reporting my account closed with a balance. Please have this account removed from all three ( XXXX ) bureaus as this information is hurting my credit report significantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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:
XXXX XXXX  XXXX XXXX has my account sent to collections, but still reporting my account closed with a balance. Please have this account removed from all three ( XXXX ) bureaus as this information is hurting my credit report significantly.

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 2024-12-06 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: SC

Complaint narrative:
If a consumer notifies a debt collector thats the consumer refuses to pay a debt the debt collector must cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-06 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year>

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 2024-12-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: EdFinancial Services
State: PA

Complaint narrative:
Ed financial LLC has violated my privacy as well as my family. I have updated my information with this LLC. Somehow they took it upon theirselves to report my relatives address as mine. I just put in a report with the FBI last week. These companies hacking my family and my information. This is a very concerning situation. I fear for my safety as well as my family. Who know how far these corporations will go expose your information. My phone and computer is controlled while using it. Usually if Im making a report they will go as far as shutting my computer down, while its fully charged. You can hear them intercepting my calls announcing they are recording my calls. My family 's devices will shut off as well. all the settings on our services has been changed. All the settings on the devices are changed. All the cameras are on at all times. No privacy whatsoever. These people feel they are above the law, because the government give them that power to violate people. Im getting calls all day from people in other countries. Calls trying to sell me services. Some calls are just silence. I've asked numerous times for them to remove information that is not related to me. Information such as my name spelled various ways. Not my name at all, wrong social security numbers reported from this company. they will not change this information, because they have been illegally making securities from falsified information. They will not address these concerns, but they will keep talking about a debt that has been paid for numerous times from my Social Security Trust, illegal wage garnishments, intrest, bonds, etc. According to Edfinancial they have received a payment on XX/XX/year>. I thought maybe the balance was offset.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I have several complaints about my new experience with USAA. 

I am a XXXX dependent of a Veteran. Ive stated several times that I have memory issues. On multiple occasions Ive been locked out of my account and have been treated poorly by customer service agents acting like Im stealing my own money when Ive been able to identify myself over and over again. One agent put me on hold and said let me see what I can do to help you since you have a documented XXXX and then she hung up on my face. 

My second complaint is I disputed a charged from XXXX. I never received my food. I submitted proof of me attempting to contact the company over and over again about my order and USAA gave me a credit. They then reversed the credit 30 days later and refused to provide the documents I requested about the dispute. 


My 3rd complaint is my card has been locked. Its also no money in my account and my transactions are being declined rightfully so. 
Everyone knows XXXX and other subscription services illegally take money for subscriptions that have longed been canceled and they provide immediate refunds. 

This isnt about XXXX this about every transaction being declined except for XXXX  being able to overdraft my account! It doesnt make any sense that every other transaction is declined but this company is able to wrongfully overdraft my account. USAAs customer service is horrible and I get panic attacks attempting to resolve anything with these people! I am a poor, XXXX single mother in XXXX  struggling to survive. It shouldnt be this way!

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 2024-12-06 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$20000.00} ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$700.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard 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 explanation
Consumer complaint received 2024-12-06 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: Global Lending Services LLC
State: CA

Complaint narrative:
GLOBAL LENDING SERVICES LLC Placed an unauthorized hard inquiry on my XXXX credit report without my permission. I did not authorize GLOBAL LENDING SERVICES LLC to check or request any of my credit information. This is fraud credit check inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: IL

Complaint narrative:
I reviewed my credit report and noticed that there was fraudulent activity

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 2024-12-06 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: IL

Complaint narrative:
I reviewed my credit report and noticed that there was fraudulent activity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: NV

Complaint narrative:
This account was charged off on the following date : XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history this inaccurate information falsely manipulates the stature of limitations you failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights I am demanding a deletion of the following ( 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