vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 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: GA

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: GA

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

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 explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2024 I mailed in a request to all 3 credit reporting agencies ( Experian, XXXX and XXXX ) for a copy of my consumer report, consumer credit score, and an Opt-Out. I received a report from XXXX and Experian, and a score from Experian, but have not received any report from XXXX or any of the other items I had asked for. 
On XX/XX/2024 I mailed a dispute to all 3 credit reporting agencies regarding items on my report that I did not recognize and wanted more information on. 
I did not receive a response to this request. 
On XX/XX/2024 I mailed another dispute to all 3 credit reporting agencies again requesting an investigation into items on my report that I did not recognize and again did not receive any response whatsoever. 
I am not sure what the credit reporting agencies are doing, but they are definitely not responding to any of my concerns. And I think I read somewhere that the credit reporting agencies are supposed to respond to a dispute in 30 days or something like that but I haven't received a response to some of my concerns for almost 4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: WA

Complaint narrative:
I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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:
I recently reviewed a copy of my credit history and came across fraudulent transactions, please remove those accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: WA

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I had an account with XXXX acct # XXXX which was never late and was removed from my XXXX credit files due to inaccuracy and fraudulent practicesXXXX/EXPERIAN continue to report a chargeoff on my credit profile that is illegal and was never late they have chose to report account as chargeoff dated XX/XX/year> with NO data of my previous payments that were made this account has several inconsistencies as you will see below it reports what it wants to please remove this from my credit file immediately. 
This account Isa true VIOLTATION of THE FAIR AND ACCURATE CREDIT TRANSACTIONS ACT. 

XXXX XXXX reported 25 late payments XXXX XXXX reported 35 late payments XXXX XXXX reported 32 late payments XXXX XXXX reported 30 late payments XXXX XXXX reported 57 latepayments Just a kindly reminder that these are all violations that are on record and are damaging both financially and mentally it has caused me inability to acquire credit for my household.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
On XX/XX/year> I transferred USD {$50.00} from my XXXX account to my checking account I have with Wise. After a few days of observation I noticed that the funds were transferred successfully from my XXXX account but when I looked at my checking account the funds didnt came in. I contacted Wise and was advised that they had changed my account details and closed the previous account ; which I wasnt aware of. If I had known I wouldve made the necessary changes that need to be done before sending but I wasnt aware until after they informed me when I contacted them. Then I was told that the bank would automatically reject the transaction and send back the funds to the sender ( XXXX ) within 5-10 days for domestic transfers and now its been 5 weeks now since I made the transfer and no one can tell me where my funds at, when I contact Wise they are sending me to query this with XXXX and XXXX is sending me back to Wise. I need help locating my funds and no one is assisting me in trying to locate my missing funds. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan Chase Bank , N.A . acquired my previous bank First Republic Bank. The transition date for commercial checking accounts was XX/XX/XXXX. Since that day I have been unable to access the commercial checking account for my business or check on the status of the account. 

In attempting to resolve this, I have spoken to 11 employees of the bank in the client services group, the local branch, the commercial banking group, and the tech support group and spent roughly XXXX hours on the phone. So far there has been no progress in getting access to this account, and the current state is that they have no one for me to call that can resolve this problem. I am informed by XXXX of commercial banking and XXXX XXXX in the local XXXX XXXX branch that the request for access is escalated, but no indication of who to or what the timeline for a response is, now 11 days after I lost access to the account and the money in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
Bought XXXX XXXXXXXX XXXX on XXXXXXXX XXXX though XXXX confirm that i had two day trade left and i called severally XXXX XXXX XXXX did not allow me to sell and triggered {$79.00} loss On another App Cash App bought  XXXX XXXX XX/XX/XXXX and though I had two day trade left Cash App and Gamestop did not allow to sell and that triggered {$1000.00} loss. Another though at sell XXXX the average stock increment showed 34 %, it actually came out opposite returning {$1900.00} from {$3000.00} invested instead of positing {$4000.00} from {$3000.00} invested at average 34 % increment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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 discovered that an agency the fbi has access to a replicated database of all my information at the root level and the duplicated functions of all the apps to include and not limited to my experian credit monitoring app. These individuals are not only defrauding me through the illicit use and manipulation of my credit file but also my identity online and in criminal databases to benefit their informants that are illegally and illicitly hiding behind my identity. I have complained about this for over ten years to no avail the latest violation includes the sending of a communication from my mortgage company and then the reinstatement of a credit card I had closed over 2 years ago to manipulate my credit to prevent me from being granted a lower credit rate. This is racketeering at its finest this also includes the use of an 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. They have perpetrated this scheme e for over 10 years. I have disputed this and experian stated on less than a day that my dispute was verified and I could not make another complaint. I called self and they stated my account had been closed for years and is closed. This is also a way to provide a secret employment and sXXXX 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 explanation
Consumer complaint received 2024-06-08 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: MD

Complaint narrative:
XXXX XXXX In Care Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Maryland [ XXXX ] XXXX ( XXXX ) XXXX XX/XX/2024 Subject : Formal Complaint Regarding Deceptive Practices Causing Consumer Harm Dear TransUnion, I am writing to bring to your attention a matter of utmost concern regarding deceptive practices. 
After reviewing my credit report, I noticed that there were inaccurate accounts and information on my consumer report. The consumer reporting agencies never gave me the right to opt out, furthermore they never asked for my permission to furnish this information. Further they have assumed this vital role and have infringed upon my right to privacy by selling my information to a 3rd party debt collector : Pursuant to 15 US Code 1681 ( 4 ) my privacy has been invaded and damage has been done.

The deceptive practices employed by the credit reporting agencies have inflicted a range of damages, creating a ripple effect across various aspects of my life. The damage that arose to my mental health : Financial losses have been incurred as inaccurate information has affected my ability to obtain credit, leading to higher interest rates and restricted access to financial opportunities. The emotional distress resulting from these inaccuracies is significant, as I the consumer grapple with the consequences of false credit reporting, affecting my ability to secure loans or housing. Moreover, the reputational harm stemming from misleading credit reporting has led to strained relationships and a diminished sense of financial security. These deceptive practices not only undermine the integrity of credit reporting but also inflict tangible and intangible damage to my consumer report. 

I demand an immediate cease and desist and corrective action of any inaccurate credit reporting pertaining to my profile, in accordance with the provisions of the Fair Credit Reporting Act. 
I anticipate your prompt attention to this matter and expect a comprehensive response within XXXX business days of the date of this letter. Please address all correspondence related to this complaint to the email address provided above. 
Thank you for your immediate attention to this critical issue. 
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 non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I Made an initial complaint against OPORTUNPROG more specifically how they were violating my rights as a consumer. I used violation codes directly from the CFPB to show them how they were violation me. I asked OPORTUNPROG to validate this debt belonged to me and they stated their company, Oportun, is not a debt collector as defined in the FDCPA and is, therefore, not required to send debt validation notices, we do voluntarily validate debt when requested by members. They also stated that, This loan was charged off in XX/XX/XXXX. If that is accurate, I would like to know why OPORTUNPROG is still attempting to collect this debt on me? Or reporting this to the three main credit BUREAUS as a collections accounts that I still owe on? Once a loan is charged of by a company which in the response to my original complaint, XXXX XXXX Customer Experience Sr. Director Oportun stated, they can NO LONGER attempt to collect this debt. This is illegal. Charging off this debt means this it was written off on their taxes and it has become taxable income to me, this company OPORTUNPROG can not and should not still be attempting to collect this debt on me. Nor should they be attempting to sale this debt to other debt collects so they can attempt to collect this debt on me. They are committing tax fraud by attempting to collect on a debt they wrote off on their taxes. XXXX XXXX Customer Experience Sr. Director Oportun also stated his records show they received government-issued ID and paystubs on XXXX XXXX. I would like to make this statement once again, since I have already called this company and made this statement. I was XXXX on XX/XX/XXXX of XXXX, there Is no way I applied for this loan and provided any type of documentation to get this loan. Nor did I sign any promissory notes or contracts! I Am attaching documentation to show I was in jail During this time this loan was quote on quote signed. I don't know who applied for this loan but it was NOT ME! My next steps will be to report OPORTUNPROG to their state attorney generals office for creating loan accounts without fully verifying the identifications on these loans.After, I will be reporting this attempt to collect a debt on me that was already charged off on to the IRS!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I have been receiving emails from Affirm noting that I have an account that is past due and being reported to credit bureaus. I emailed them back requesting more information and sent screen shots of my account to show them that the information they supposedly reported is wrong. I subsequently called them as well and they confirmed that the account in question is fully paid. I then saw that the information is on my credit file. The account in question is not even found in my affirm account nor have I ever had a payment to them that equals the amount they claim is my monthly payment for the supposed delinquent account. Credit bureaus have investigated and claim that affirm adequately confirmed the legitimacy of the supposed account. I have screen shots of my affirm account that prove they are reporting inaccurate information. I want this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: LEXISNEXIS
State: TX

Complaint narrative:
The information that is in dispute appears on the LexisNexis reporting system. I have disputed inaccurate addresses phone numbers and insurance information that is currently still appearing on an supposedly updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: CT

Complaint narrative:
I just reviewed my consumer report and found several late payments from XXXX XXXX XXXX, account # XXXX, Equifax have the right to provide accuracy but but have bad business practices. According to 15 USC 1681a ( 2 ) ( 1 ), the term " consumer report " does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. I have never late I demand that Equifax update the account to pay on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Equifax will not allow lenders to access my credit report. In particular, they are returning a null response to XXXX XXXX XXXX XXXX which has caused me to be denied for a checking account and placed a limitation on my savings account. Equifax claims there is no hold on my report, but this has not resulted in them accurately reporting my information to XXXX. This is despite the fact that the information submitted in the application is accurate and up to date.

Company response to consumer: Closed with explanation