vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This is a complaint against XXXX, Equifax, XXXX and XXXX XXXX XXXX, a collection agency that has wrongfully placed a fraudulent account on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 
On XX/XX/year>, at approximately XXXX XXXX, I spoke with a supervisor at XXXX XXXX XXXX named XXXX XXXX. During this recorded call, XXXX XXXX confirmed that the account in question was under a different name than mine. She assured me that the fraudulent account would be removed from my credit report and even provided a letter saying this and I have attached it. However, this process has caused me significant financial hardship and undue stress, and I can not afford to wait 30 days for a correction that should have never been necessary in the first place. 
Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies and their furnishers are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continued presence of this fraudulent account on my credit report is a direct violation of this provision. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information that it knows or has reasonable cause to believe is inaccurate. 
Given that it did not take 30 days for XXXX, Equifax, XXXX and XXXX XXXX XXXX to report this fraudulent account and damage my credit reputation, it is only fair that the account be removed immediately, without further delay. The FCRA also provides that a consumer has the right to dispute incomplete or inaccurate information in their credit report, and the furnisher has an obligation to investigate and resolve the dispute promptly. 
I am requesting that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their failure to adhere to the FCRA 's requirements. Furthermore, I request that XXXX XXXX XXXX be directed to immediately remove the fraudulent account from my credit report and to confirm the removal in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need my dispute claim Claim Reference Number : XXXX to reopen and reinvestigated and appeal because I disagree with the dispute decision because I did contact the business but they couldnt help me they say to contact my bank to dispute. My name is XXXX XXXX XXXX and contact me at XXXX Update to this please change the dispute type to fraudulent dispute because I didnt authorized the payment it is fraudulent and reopen it and investigate again please etc.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has charged me late fees of around {$35.00}. This is over the legal limit of {$8.00}. 

They changed me these as recently as XXXX of XXXX, which is well beyond when the new {$8.00} law was implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I'm unaware of this debit, they didn't give me an opportunity to dispute the information. if in fact you believe you gave me proper notification then please send me a copy of the certified receipt with my signature on it. A collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 15 USC 1692G ( A ) debit collectors are required to provide me with a written notice containing specific information about the debit within 5 days of their initial communcation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RGL Associates, Inc.
State: MD

Complaint narrative:
The caller identified themselves as RGXXXX associates and left a number and asked me to call them. I then XXXX  the company and discovered it was the same collection agency that keeps calling my number. I requested the name of the debtor and they did not. The last time I spoke with this company, which was approximately over a year ago, I asked them to stop contacting me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
To whom it may concern. 1 ) 15 USC 1681 ( 2 ) ( a ) ( i ) state 's Transactions and Experiences between the consumer and the person making the report are not included in " consumer reports '' 2 ) The IRS defines a Charged off account as Cancelled Debt that you have to pay taxes on. 3 ) Charged off accounts over {$600.00} reporting to your consumer report is TAX FRAUD. IRS states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collection account youre not obligated to pay. Civil liability for willful noncompliance 15 U.S.C. 1681n states that anyone who obtains a consumer report under false pretenses or without a permissible purpose is liable to the CRA for actual damages or {$1000.00}, whichever is greater. I request to remove this account from my consumer credit report. Account ( XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To whom it may concern. 1 ) 15 USC 1681 ( 2 ) ( a ) ( i ) state 's Transactions and Experiences between the consumer and the person making the report are not included in " consumer reports '' 2 ) The IRS defines a Charged off account as Cancelled Debt that you have to pay taxes on. 3 ) Charged off accounts over {$600.00} reporting to your consumer report is TAX FRAUD. IRS states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collection account youre not obligated to pay. Civil liability for willful noncompliance 15 U.S.C. 1681n states that anyone who obtains a consumer report under false pretenses or without a permissible purpose is liable to the CRA for actual damages or {$1000.00}, whichever is greater. I request to remove this account from my consumer credit report. Account ( 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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XXXX, I mailed a check ( # XXXX ) payable to XXXX XXXX for {$2400.00}. The check was cashed on XXXX, but never applied to my XXXX account. The check was mailed to the XXXX Credit card center, XXXX XXXX XXXX, XXXXXXXX XXXX 

Upon checking with my bank, XXXX, they show the check cashed XXXX, the stamp on the back of the check is as follows : Payee endorsement guaranteed consumer credit card XXXX XXXX XXXX. 
XXXX XXXX XXXX Bank XXXX XXXX XXXX MN ( XXXX ). 
I have a copy of the cashed check. 

I have been working with my bank, XXXX, XXXX and US Bank trying to locate what happened with the funds. XXXX stated that they needed an Affidavit of Non receipt from XXXX XXXX, but they will not provide one and US Bank would not give me any information over the phone but did state that I could go to a local branch and they could look it up. Only problem with that is that I live in XXXX and there are no US Bank branch in XXXX, only the XXXX XXXX. 

Today XXXX i was advised by the XXXXt Executive Service Department, to open a case with You.

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 2024-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash App stole my money from my account. It was hacked and they are not returning

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This complaint to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft. According to FCRA laws you are refusing to comply with the information that you are reporting : 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1681 ( c ) 2 15 U.S. Code 1681 ( n ) Please follow the laws. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please follow the laws and block this information from my credit reports before I seek legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: NY

Complaint narrative:
I received a copy of my credit report, it has a lot of inaccurate information on it..This company self/ XXXX XXXX  is stating that I took out a loan. I have never heard of them and never had any dealing with this company.. I've only ever taken 2 loans in my life..This is not my account and under, 15 Usc 1861 I'm allowed to have a accurate credit profile and this account is negatively reported false information..

Company response to consumer: Closed with explanation