vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 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:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : TRASUNION Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( TransUnion, XXXX, and XXXX ) : TransUnion : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : $ XXXX balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$2600.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off, '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the XXXX report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus. 

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX TRASUNION Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( TransUnion, XXXX, and XXXX ) : TransUnion : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : $ XXXX balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$2600.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off, '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the XXXX report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus. 

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check for {$95000.00} into my friends account he walked in a deposited it they told him it would be no problem and now they have blocked his account the money has been pulled from the issuers account and put into my friends account but they wont release funds until they can call me on a phone that comes up on their system as registered in my name so I went and bought a new phone registered in my name and now they say it takes 4 to 6 months for a new phone to show up in someones name if its a new phone so theres nothing I can do except call the issuer of the check and ask them to put in a claim for the money and hopefully they return it. I sold my XXXX XXXX for this money because my mom is losing her home I can not wait 6 months for my money to be released I have a chase credit card with my name on it and my phone number is on that account as well and still they wont release funds because my phone doesnt come up in my name on there system I can not believe this I talked to the issuer of the check and they said basically they paid me and the funds have been pulled from their account thats all they can do chase has my money they know exactly who I am and still wont release my funds they have closed my friends account the lady at the XXXXXXXX XXXX said when my friend deposited that check he committed fraud yet 3tellers looked at the check and had him sign it and then deposited it into his account I need this money my mom is losing her house please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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:
On XXXX XXXX XXXX it was reported on my credit report by XXXX XXXX XXXX XXXX that I owe XXXX. I would like for XXXXXXXX XXXX XXXX to delete this off my credit because they have no permissible purpose under the 15 U.S.C code 1681b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
Radius Global Solutions Is contacting me for XXXX. Im getting sick of this lie that collection agencys say. That if they dont hear from you they will assume the debt is valid. This is so not true! But they have been getting away with saying this lie. My house payment went up and light bill. Which is why I could no longer afford the payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IN

Complaint narrative:
Cash App Support  Square , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Complaint Regarding Account Closures and Identity Theft Dear Cash App Support, I am writing to formally express my concern regarding the recent closure of all my Cash App accounts and the subsequent inability to create new accounts. This situation has caused significant distress, as I believe it is rooted in a misunderstanding related to fraudulent activities that have affected my identity since XXXX. 

As a victim of identity theft, I have taken numerous steps to prevent further fraudulent actions against my name. However, despite my efforts, it seems that my legitimate accounts have been unfairly affected, leading to their closure. I kindly request that you conduct a thorough investigation into my case, focusing on the removal of any fraudulent accounts associated with my identity. 

I urge you to reinstate my credentials in your database, ensuring that all records reflect only my legitimate account activities. It is essential for me to regain access to my Cash App services, as they are vital for my financial transactions. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your understanding and support in addressing this issue. 

Sincerely, XXXX XXXX XXXX My Cashapp XXXX : XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: GA

Complaint narrative:
I have disputed this account a few times with each credit bureau and each time they all reply within a credit report stating that this account with XXXX XXXX has been verified as accurate and updated. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Under my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event. 
The actions being taken each month affect my credit score, credit report, and creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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:
Subject : Dispute of inaccurate information on my credit report XXXX XXXX XXXX XXXX Credit Bureau XXXX EQUIFAX Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g., XXXX XXXX  XXXX ], which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, XXXX, and Equifax ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' XXXX : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the XXXX report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported.

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus.

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response.Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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:
Subject : Dispute of inaccurate information on my credit report Account Number XXXX XXXX Credit Bureau XXXX EQUIFAX Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.gXXXX XXXX XXXX XXXX XXXX, which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, XXXX, and Equifax ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX' XXXX : Highest reported balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : Highest reported balance : {$2600.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off, '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the XXXX report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported.

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus. 

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response.Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
About late XXXX XXXX XXXX XXXX  USAA made a contract recorded online that if they cancelled my homeowners insurance, they would be liable for {>= $1,000,000}. The contract was in effect through XX/XX/year> and USAA cancelled the insurance without our consent in XX/XX/year>. They sent a check saying it was overpayment of insurance but that was a false statement as they had deposited our funds sent from XXXX XXXX XXXX XXXX XXXX account designated for insurance and USAA and XXXX confirmed the transaction in XXXX. Two months later, USAA sent a check dated XX/XX/year> with a false statement that it was " due to a credit balance on your mortgage billed policy. '' However, XXXX XXXX XXXX XXXX confirmed that it was for the homeowners insurance policy which they expected to be inforce based on the the late XXXX XXXX payment. The USAA check is enclosed. The amount shows {$2900.00} dated XX/XX/year> which is the same amount paid by XXXX to USAA about late XXXX few days of XX/XX/year> and confirmed received by USAA. 

In order to complete the contract, i indorsed the check on the back with deposit conditions that " Subject to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and sum balance due is {$1.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' The front of the deposit check is clearly marked -it was in red ink- .private.special. deposit.entrust. and is visible in the check image. 

The amount was tendered for deposit subject to the payment of balance of XXXX XXXX XXXX and it was ACCEPTED by USAA and deposited ; however, USAA never paid the XXXX XXXX per contract recorded on the phone calls in XX/XX/year> and ACCEPTED by USAA by its deposit of the check with the conditions. 

USAA used US Mail to engage in unfair trade practice and financial crimes/ unauthorized conversion of funds sent by 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 explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VW Credit
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Volkswagen credit Inc 

All says I owe a debt that I dont owe 15 usc 1681 B

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
This was an original car loan for my daughter obtained in I believe XXXX. I lost job & was not able to keep up payments & returned vehicle to bank. I never received any correspondence regarding the balance car was sold for. I have received documents from my HR department just now XXXX XXXX XXXX  advising the company XXXX XXXX is now going to garnish my check. I had a major XXXX XXXX & current student loan debt that will put me in more delinquent debt if this garnishment is initiated. This garnishment will take several years to pay off. I also would like the original contract & documents showing what car sold for. The amount shown with my HR department and what's on my credit report are two different balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
This was an original car loan for my daughter obtained in I believe XXXX. I lost job & was not able to keep up payments & returned vehicle to bank. I never received any correspondence regarding the balance car was sold for. I have received documents from my HR department just now ( XXXX  ) advising the company Truist Bank is now going to garnish my check. I had a XXXX XXXX  XXXX & current XXXX  loan debt that will put me in more delinquent debt if this garnishment is initiated. This garnishment will take several years to pay off. I also would like the original contract & documents showing what car sold for. The amount shown with my HR department and what's on my credit report are XXXX different balances.

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