vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. I've listed the unauthorized inquiries below. XXXX XX/XX/2022 and XXXX XX/XX/2022. Please delete these unauthorized inquiries ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies, and I am a very concerned consumer. Bankruptcy is reporting on XXXX and Experian. It is not reporting on XXXX. I called the courthouse in XXXX, XXXX and they stated, they don't report to any credit bureaus or third parties. Reporting this to my credit bureaus is a bankruptcy violation. There are factual errors on my credit report. According to 15 US code 1681 A 4 consumer privacy rights, the credit bureaus are committing identity thief by reporting my personal information, without my consent. I've disputed this with the credit bureaus, with no avail. Please remove this information as you are in violation.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX case response this company is reporting inaccurate info on my credit profile that needs to be updated and removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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 2023-10-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with overdraft — Overdraft charges
Company: Branch Messenger, Inc.
State: FL

Complaint narrative:
I have an XXXX XXXX Debit card provided by Branch App for pay from delivering XXXX XXXX. They have what is called back up balamce depending on XXXX XXXX status in XXXX XXXX you can get either XXXX. XXXX or XXXX. If you use the feature you have to take the full amount available. 

Once you elect to use to use the backup balance until the outstanding balance is paid you are not allowed to change the bank account you are paid to violating the Electronic Funds Transfer Act.

Also until the outstanding balance is paid they take every deposit. If you use this account to be paid it is automatically paid after every delivery. So for every delivery you get paid the fee right away and an hour later you get paid the tip. 

The pay is deposited in the asset portion of the account and then they automatically take the money back out of the account and apply it the back up balance. This happens for every deposit you make until it's paid off. 

Them doing so is a violation of EFTA by not allowing 21 days to pay back, having more than one forced debit from asset portion of the account and also compulsory used of electronic funds transfer. 

These laws are made for a reason and they shouldn't be able to do whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NY

Complaint narrative:
Am Having A Problem with CashApp Account That My Transaction or being declined when ever i try to make a purchase with my cashapp card i contacted cash app support and they told me that unfortunately they cant do anything about this transaction being declined and being blocked and they did not help fix the hold issue thats on my account i cant use my cash app to make purchases please help me with this problem please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXX/XX/XXXX Balance : - XXXXXX/XX/XXXXXXXX Balance : {$4500.00} XXXXXX/XX/XXXX XXXX XXXX Balance : {$3300.00}XX/XX/XXXX XXXX : {$0.00} XX/XX/XXXXXXXX Inquired on XX/XX/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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm writing to convey how deeply annoyed and dissatisfied I am with the bogus accounts on my credit report that have not yet been rectified. It has come to my notice that your agency has not taken the essential steps to swiftly resolve this issue despite numerous attempts to address it. You must comprehend the seriousness of this matter and the serious implications it has for my security, reputation, and financial situation. I've given you thorough information and proof that these accounts are bogus, and I've told you that I'm a victim of identity theft. You are required by law to carry out a complete investigation and guarantee the accuracy of the data reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX In order to defend my rights and make sure justice is done, I want to make it clear that I take this situation seriously and am prepared to pursue legal action if required. Any further delay is intolerable, so I believe your agency will move quickly and firmly to fix 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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I got an email to pay my first payment and I clicked on the link and my account number I gave to the underwriting department at closing was already in there and I clicked to make my payment. Three days later it said the payment was returned. I was not sure why I made it again and it again bounced. I then made sure the account number was correct and it was not, so I tried to override it, and I thought the payment went through and posted and four days later is bounced again, as I was not allowed to override my account # since the original wrong account number was put in by their department. I then called to the customer service department to speak with a supervisor, and that is when she looked and saw the number in their system was wrong as I gave the correct account number. I was then and only then able to make my payment. They then reported it late even though it was their error and I called numerous times to correct.

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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello today ( XX/XX/23 ) I went to TD Bank located at XXXX XXXX in XXXX around XXXX. I went in to do a cash deposit of {$390.00} but it gave me back {$110.00} so Im missing {$280.00}. The ATM machine took my cash and told me to ask for customer service. It never gave me back my card or confirmed my deposit. I deposited the {$110.00} I got back from the ATM and was sent to wait for customer service. I was then told to wait till tomorrow ( XX/XX/23 ) to see if any changes occur on my bank statement. If there arent any changes I will visit TD bank to file a dispute with them. While searching online I read that this is a common occurrence with Td bank and that I should file a report to CFPB to help me with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I'm a victim of identity theft and fraud. Someone gained access all of my personal identifying information and the issue continues to this day. I was just alerted that my information was exposed in an XXXX data breach in XXXX. 

- A XXXXXXXX XXXX credit card was opened online using my information and an erroneous address that did not belong to me. I was not aware of the account until I checked my credit reports. I called XXXX multiple times and was continuously transferred until I was disconnected. I filed a police report and identity theft report. I have filed at least 10 police and identity theft reports. XXXX would not accept or acknowledge anything relating to identity theft and fraud. This debt is not mine and I will not pay it. Please help.

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 2023-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I opened a new savings account with Capital One Bank under their XXXX promotion and fulfilled all the terms to receive a {$1000.00} credit to my account. They have told me conflicting information between customer services departments and haven't been able to successfully resolve the issue and credit my account with the advertised {$1000.00}. 

Below are additional details : 1. XXXX - Account opened 2. XXXX - Account funded with new money of {$100000.00} ( within 15 days of opening the account ). 
3. Fund balance remained at {$100000.00} or more for the duration of the promotion criteria 4. XXXX - Account balance went below the {$100000.00} ( >90 days as required by the promotion ) 5. XXXX - Connected with customer support by phone to address not receiving {$1000.00} promotion. Case was escalated to a supervisor, who submitted an additional escalation to help address the issue as she wasn't able to credit my account without escalating to another team. I was promised issue would be resolved within 46-60 business days. 
6. XXXX - Received a response by email with a boilerplate message that funds couldn't be issues for the promotion. I replied same day informing them that there investigation wasn't accurate or complete and asked them to escalate to get this matter resolved. 
7. XXXX - I sent another reply to check in on the issue as they hadn't replied and indicated I would go to the CFPB if they didn't reply by Friday ( XX/XX/23 ). 
8. XXXX - They replied by email saying they would not honor the promotion and that I could send a physical letter to the XXXX XXXX XXXX XXXX in XXXX, VA if I wanted to escalate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This Debtor has multiple FCRA violations. 

XX/XX/XXXX, My credit report stated I had an collection from ( LVNV FUNDING ACCOUNT # XXXX listed multiple times on my credit report. on XX/XX/XXXX, I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. 

XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX XXXX XXXX and reported " Meets FCRA requirements '' on a separate account. ( violations : balance on account charged off, proof of debt with wet signature. ) XX/XX/XXXX, I Disputed this collection again with XXXX XXXX XXXX XXXX  XX/XX/XXXX. Debtor removed collection account from XXXX only. Debt collector reported " I requested to be removed on all bureau. Debtor failed Request. Debtor reported " Meets FCRA requirements '' ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. ) violations : balance on account charged off, proof of debt with wet signature, payment status as late on a collection account on XXXX  as of XX/XX/XXXX ) XX/XX/XXXX, I Disputed this collection with twice XXXX XXXX XXXX 

XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX. and reported " Meets FCRA requirements '' On XXXX as of XX/XX/XXXX. ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. payment status as late on a collection account on XXXX  as of XX/XX/XXXX ) I Disputed this collection with three times XXXX and XXXX. 

XX/XX/XXXX, Debtor has not responded to my request or updated my account. This Debtor and Bureu 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of two accounts from my credit profile with Experian, which are causing a detrimental impact on my credit history. The accounts in question are listed with the last four digits XXXX and XXXX, and they belong to XXXX XXXX I believe that these accounts should be removed from my credit report as they have been discharged, and the IRS 1099 has been provided to confirm their status.

According to the information provided by the creditor, the debts associated with these accounts have been legally discharged. This discharge signifies the conclusion of my obligation to pay these debts. In line with this development, I kindly request that you remove these accounts from my credit profile and update my credit report to reflect their discharged status. This will accurately represent my financial situation and provide a more comprehensive view of my creditworthiness. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that your organization XXXX have violated these rights, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b. Let me explain why I believe these violations have occurred : 15 USC 1681 Section 604 ( a ) Section 2 : This section of the FCRA outlines the permissible purposes for obtaining a consumer report. It restricts access to an individual 's credit report to those with a legitimate and lawful reason. Any unauthorized access or use of my credit report may be considered a violation of this provision. I have reason to believe that these accounts may have been accessed without a valid and lawful reason, as the debts associated with them have already been discharged and are no longer active.

15 USC 166b : This is a significant part of the FCRA, which sets out requirements for obtaining and using consumer reports for employment purposes. While this section may not be directly related to the issue at hand, I believe it is crucial to mention it to highlight the importance of accurate and lawful reporting, especially regarding discharged debts.

I kindly request that you investigate these matters and take prompt action to correct my credit profile. Removing these discharged accounts and updating my credit report will help me maintain an accurate credit history, which is essential for various financial transactions, including obtaining loans and credit.

I look forward to a timely resolution of this matter and request written confirmation once the necessary changes have been made to my credit profile. Thank you for your attention 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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
RE : XXXX In accordance to 15 USC 1681 ( 7 ). 1 requested to see the description of what happened during the reivestigation. What was the method of verification was used. The company name, name of person, title, phone number conducting the investigation. I never received any copies of documentation during the 15 days. The Credit Reporting Agencies have to conduct a personal interview with family members, neighbors and friends in order to validate any debt by FCRA law. The Credit Reporting Agencies can not rely on information from a third-party that do not have first hand knowledge of transaction on report. None of the Credit Reporting Agencies did not call me or send me a letter to validate these debts. Which is another violation of the FCRA law. Company law does not Trump Federal law. The Credit Reporting Agencies is not adhering to the FCRA laws. I have sent in everything possible and they are still ignoring 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
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief