vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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:
Formal Complaint Regarding Credit Reporting Inaccuracies Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX regarding inaccuracies present on my credit report. Despite multiple attempts to rectify the situation directly with XXXX, the errors persist, prompting me to seek assistance from your agency. 

On XX/XX/2022, I discovered several discrepancies on my credit report provided by XXXX. These inaccuracies include incorrect variations of my name, such as " XXXX XXXX, '' " XXXX XXXX, '' " XXXX XXXX, '' and " XXXX XXXX XXXX. '' Additionally, there are erroneous addresses associated with my profile, namely : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX My correct name is " XXXX XXXX XXXX XXXX and the only accurate address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I have provided XXXX with appropriate documentation, including identification materials, to support these corrections. However, XXXX has failed to update my credit report accordingly. 

Continuing to report these inaccuracies not only damages my creditworthiness but also violates the Fair Credit Reporting Act. Despite my explicit requests, XXXX has failed to address these issues in a timely manner. 

Furthermore, I do not consent to XXXX  or any automated means of verification. I expect XXXX to manually verify and correct the inaccuracies as mandated by law. 

I am seeking your intervention to ensure that XXXX complies with its obligations under the Fair Credit Reporting Act and promptly rectifies the errors on my credit report. Additionally, I request that XXXX provide me with an updated credit report once the necessary corrections have been made. 

Thank you for your attention to this matter. I look forward to a resolution that restores the accuracy and integrity of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-05-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rightsXXXX with the account number XXXX was paid as agreed on time. I was never late on this account. I tried disputing this account multiple times now but EXPERIAN and XXXX still reported it as NEGATIVE on my current or new report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: 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.

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
Formal Complaint Against Citibank for Mismanagement of Account Transactions Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Citibank , N.A . due to serious concerns over the handling of my bank account transactions and customer service failures, which I believe violate pertinent consumer financial laws. 


Incident Description : On XX/XX/XXXX, several transactions were correctly authorized and posted from my account. On the following day, these same transactions appeared again as pending, thus inaccurately reflecting my account balance and effectively freezing funds without justification. Despite the merchants confirming receipt of their payments, these transactions continue to be displayed as pending AND posted Citibanks Response : After contacting Citibank through various channels including XXXX and direct phone calls, I received inconsistent and misleading information from different representatives. I was advised to wait XXXX business days for resolution. This response is unsatisfactory and has compelled me to consider closing all my accounts with Citibank. 

Violations Suspected : - Regulation XXXX ( Electronic Fund Transfer Act ) : Citibank 's failure to promptly investigate and rectify the erroneous pending status of my transactions likely constitutes a violation of Regulation XXXX, which demands quick resolution of electronic transfer discrepancies. 
- XXXX XXXX XXXX Reform and Consumer Protection Act : The deceptive practices and lack of transparency observed in Citibanks handling of my concerns may contravene the consumer protection statutes under this act. 

XXXX XXXX : I urge the CFPB to facilitate an immediate review and correction of the duplicate pending transactions impacting my account. I also request a formal investigation into Citibanks customer service practices and compliance with federal consumer financial laws. Additionally, I seek compensation for any financial inconvenience and the possibility of punitive measures against the bank for their mismanagement and misleading responses. 

Attached are copies of all relevant documentation, including transaction records, communications with Citibank, and statements from involved merchants. 

I appreciate your immediate attention to this matter and look forward to your prompt intervention. 

Sincerely,

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Compliance with FCRA 605B entails removing any inaccurate accounts from my credit report. Could you please verify the documents? There are inaccuracies in the reporting of several listed accounts. Compensation of {$1000.00} is required for each erroneous entry on my credit file.

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 2024-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Someone hacked my cash app and spent XXXX XXXX on a XXXX product when I found out I reached out to cash app and a BOT not a real person would not help me when I tried calling they disconnected the line they won't help me get the money back so they may as well have stolen themselves as far as in concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: SC

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
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.

Account Name : XXXX Account XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted multiple complaints showing and highlighting the inaccurate and inconsistent information listed om my credit report with Equifax regarding account XXXX XXXX XXXX this account per the FCRA should be accurate across all 3 credit reports and have correct information regarding all information I've included once again the report showing its listed only with Equifax its listed as open, has a last active date of XX/XX/XXXX but a last reporting date of XX/XX/XXXX I have submitted multiple complaints and examples of incorrect information but it keeps coming back verified and updating improperly which is in violation of the FCRA the account shows XXXX different charge off dates XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX this inaccurate information falsely manipulates my credit worthiness and is hurting my ability to obtain credit Equifax has failed to investigate this account properly after I have repeatedly asked to be corrected this neglect once again violates my consumer rights I am demanding a deletion of this account XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my credit report and I see unauthorized accounts on my report. Listed below are the dates and accounts of these unverified-authorized accounts. 

XXXX XXXX : Transunion XXXX, XXXX XXXX, XXXX XXXX. 

XXXX : XXXX XXXX, Transunion XXXX, XXXX XXXX. 

I was not notified about these accounts being brought by a debt collector, and I requested debt validation from all of the parties involved with no response, therefore this debt should be removed 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 2024-05-03 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 explanation
Consumer complaint received 2024-05-03 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:
I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
XX/XX/2024 To Whom It May Concern, We realize everyone has their own situation and circumstances. Im reaching out to make myself feel better and know Im doing or have done everything possible to repay my childrens education.

My husband and I became unexpected and young parents XXXX XXXX XXXX. Its always been a struggle, but we have managed to better ourselves and our children. 
Weve been fortunate that our children, now adults, have always been successful throughout school and now in their careers. 
We didnt know how we were going to afford college but did what we thought was best and sought Federal student AID. Not knowing what we were doing we used every family member social security number and accomplished our goal. 
They were both XXXX XXXX and graduated in XXXX XXXX. My daughter is now an XXXX, and my son works as a XXXX  XXXX. 
We also suffered during XXXXXXXX  with unemployment but are back on our feet. 
Initially, we were given student loan forgiveness. Now we are in repayment and in educating ourselves we will never pay off our debt. Ive spent countless hours researching, sitting on hold talking to student aid and Nelnet. Weve consolidated and weve paid overage. My phone calls today, which prompted me to write this, I spoke with very pleasant ( and trying to be helpful ) representatives who have only been able to apologize. Our student loans are our biggest debt. 
On One of four loans were charged {$16.00} a day in interest so after a {$550.00} payment ( for this particular loan ) approximately {$38.00} goes towards our principal. So, it appears paying over isnt really beneficial and we throw this money away and will be paying for our lifetime. 
Were willing to repay for what our children have gained but there has got to be a better solution. Ive sought advice and now Im reaching out to you for help or advice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Listed below are the dates and accounts of these unverified-unauthorized account. 

XXXX XXXX XXXX : XXXX XXXX, Experian XXXX. 

I requested debt validation according to 15usc code 1692g that I receive a detail list of a history of payments made by me on this account, also a signature on a contract guaranteeing that I pay this creditor. I also asked for proof of an insurance claim filed on this account, with proof of a chain of title to collect on this debt. I received nothing back so this debt should be removed from my credit report 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 explanation