vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Re : EQUIFAX- I have now made a second attempt with theworknumber.com which is also known as Equifax, to correct my employment information as this is how potential employers will check me against my resume. The first time, I got nothing, no results, no communication, nothing. When I made the dispute a second time on XX/XX/XXXX, they sent me an email saying I would get another email wherein I have to provide a copy of my Drivers License, a paystub and a utility bill in an email back to them in order for any action to be initiated. This should be illegal as it's just another tactic to not make any changes and leaves the consumer at risk. They already have my information and I had to use my SS # in order to get access in the first place, so that isnt good enough? I rent and all of my utilities are done online so I dont receive any bills to the house , this isnt 1980. I am also out of work at the moment and looking for a job which is why I need to fix this in the first place, so I dont have a recent paystub and the company I did work for did auto deposits so never got a paystub. So now because of the agencies again making it IMPOSSIBLE for the consumer to make any corrections, I will be at risk of being rejected for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: IL

Complaint narrative:
I had a mortgage loan with XXXX XXXX XXXX  with a paperless statement, online portal, and autopay. In XX/XX/2023 due to insufficient funds in my bank account, the auto-pay bounced. I haven't been notified about a bounced payment, nor about past due payment either : by phone, mail, email, text, voice-mail, or online customer portal. 

I am attaching screenshots of the website, showing that the account is in a good state. 

XXXX XXXX Bank failed to notify the client about a transaction that didn't go through. 
XXXX XXXX XXXX  displayed misleading information on its customer service portal. 

Furthermore, in XXXX, XXXX, and XX/XX/2023, I requested economic disaster assistance from the XXXX XXXX XXXX, due to being severely impacted by COVID-19. As of today, XXXX XXXX XXXX  failed to respond to my request. Instead, XXXX XXXX XXXX  reported me late for 2 more months- XXXX and XXXX, which I did my best to pay, however, the payment bounced, so I had to make another payment. XXXX XXXX XXXX, again, hasn't contacted me about the bounced payments. 

I requested XXXX XXXX XXXX  to remove the late pay reporting on credit bureaus, as they failed to properly inform the client about a payment 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 2023-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/30 a payment was made to XXXX but I didn't authorize it. So I disputed it they denied the dispute but XXXX sent the money back to them so they have the money and are refusing to give me my money and the are refusing to pay XXXX. 
Attached is the conversation where they said it was paid and my bill from XXXX WHERE IT WAS SENT BACK ON XXXX. AS OF TODAY CASHAPP IS STILL DENYING THE HAVE THE FUNDS AND ARE REFUSING TO PAY XXXX OR GIVE ME MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Reviewed my credit report and I disputed the XXXX  XXXX bankruptcy that was listed on my credit report. And they said that it was valid but they couldn't tell me how it was validated so its a violation of my rights it needs to be removed any any of the other accounts that are on my credit report asap I did reach out to the US bankruptcy court XXXX XXXX  of Illinois. The attached letter states the courts to not report any information to the credit bureaus so how did this information get on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Reviewed my credit report and I disputed the XXXX  XXXX bankruptcy that was listed on my credit report. And they said that it was valid but they couldn't tell me how it was validated so its a violation of my rights it needs to be removed any any of the other accounts that are on my credit report asap I did reach out to the US bankruptcy court XXXX XXXX  of Illinois. The attached letter states the courts to not report any information to the credit bureaus so how did this information get on 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 2023-09-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: KEYCORP
State: WA

Complaint narrative:
I was approved for Covid19 Benefit, but I never received it nor the Debit Bank Card.

I have spoken with the ESD Department and they informed me that all the Covid19 benefit was sent to the Key Bank ( for over XXXXXXXX XXXX ). Them, I was really calling both Departments about my benefit. But. The Bank and the ESD was only pushed me around from Department to Department. From ESD to The XXXX Bank and each time I called I was given different misleading information regarding my benefit. After a year with both Departments I went to court in Washington State Office of Administrative Hearing and the Court granted all in my favor on XX/XX/XXXX XXXX  XXXX., Docket XXXX XXXX XXXX XXXX Agency No XXXX XXXXThen ESD informed me that all the benefit was sent to key Bank. Calling key Back again they said that the account is closed and to call ESD Department, Finally the key Bank asked me to fax them all the court Documents which I did ( to Fax XXXX XXXX XXXX XXXX ) and I got confirmation number ( XXXX XXXX XXXX ) from the bank that all is updated and a new card with be send in XXXX days. I have never received the Debit Bank Card yet. Calling the key back again they informed me that the account id closed and they do not have any information regarding this case I have been mislead by the Key Bank and lied too on every time I call them, Then The XXXX  Bank told me today to call the ESD department again. I have been pushed around to much already and the key bank is not acknowledging that fact the=at I a sent them the Court Documents.

Therefore I an appealing to your Department with the Key Bank Befit Card account and my due benefit to be paid to me in full as soon as possible. 
Thank you XXXX XXXX New Phone : XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: MO

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX15 U.S.C. 1681 section 602 A, states I have the right of privacy.

-15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not furnish information on an account without my written instructions.

-15 U.S.C. 1681 C ( A ) ( 5 ) section, states that 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 antedated the report by more than seven ( 7 ) years.

-15 U.S.C. 1681 S 2 ( A ) ( 1 ) states, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Reviewed my credit report and I disputed the XXXX  XXXX bankruptcy that was listed on my credit report. And they said that it was valid but they couldn't tell me how it was validated so its a violation of my rights it needs to be removed any any of the other accounts that are on my credit report asap I did reach out to the US bankruptcy court XXXX XXXX  of Illinois. The attached letter states the courts to not report any information to the credit bureaus so how did this information get on 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 non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

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 2023-09-13 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: SC

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 2. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

3. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

4. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The status is incorrect for the following account USDOEXXXX Account Number : XXXX Please investigate and remove the late payment. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, 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 2023-09-13 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: MI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A fraudulent account ( credit card ) was opened under my name in XX/XX/2023 by XXXX XXXX, XXXX XXXX XXXX XXXX. I reported it as Fraud and the company closed the account, and found that it was fraudulent. They provided the attached documentation. I would like to have the activity removed from my credit score.

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 2023-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I mailed in a new account application with a {$500.00} money order. They never opened the account and kept my {$500.00}.

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 2023-09-13 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: CA

Complaint narrative:
I was a victim of Identity Theft in XX/XX/2023. I reported the fraudulent activity to the credit card company and bank involved ( XXXX XXXX  ). They closed the account and reported the activity as fraud. I would like the activity removed from my credit score from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I received a credit alert on XX/XX/2023, indicating a new collection account reported by AmSher Collection Services, even though I have not received any prior communication, verbal or written, regarding the alleged debt. This sudden reporting has led to a decline in my credit scores. Notably, I received written notification of the same alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/2023 ( enclosed ), while AmSher Collection Services added their collection account to my credit file between XX/XX/2023, and XX/XX/2023. AmSher Collection Services ' actions appear to be in violation of the FDCPA, resulting in damage to my credit rating and adversely affecting my relationship with existing creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-09-13 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: IN

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: NC

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13 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: MO

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-13 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: MO

Complaint narrative:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I received a credit alert that my Affirm account was reporting 60 days past due. I do not currently, nor have I ever had an account with Affirm. I reached out to them to alert them to the fraud and ask for their assistance with my investigation. 

The representative told me she could not provide the information on the existing account that she found, and that she could only relay it to the appropriate department. She also could not give me any information on what department that was or how I could get in contact with them. 

Further, she could not give me any documentation to relay to the credit bureaus regarding an open investigation.

Company response to consumer: Closed with explanation