vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: MI

Complaint narrative:
The XXXX gift card originally had a {$100.00} balance. Last year I used the card for a purchase of {$68.00}. Shortly after that I confirmed at XXXX that the balance on the card was {$31.00}. The card says that there is no inactivity fee and that funds do not expire. The card says it's valid through XX/XX/year>. Today I tried to use the card for a purchase of less than {$31.00}, and the seller said there was a problem with the card. I tried to check the balance at XXXX, and the site said there was no record of the card in its system. I called the number on the card ( XXXX ) and the customer service agent told me that she couldn't provide any information regarding the balance to me because the card hadn't been registered, but that isn't possible, because I was able to check the balance previously. Regardless, nowhere on the card does it say that the card must be registered in order to receive balance information. The card says, " For customer service account information : XXXX XXXXXXXX. ''

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 2024-06-06 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:
I make my payments on time, every time. Im sure of that. What confuses me is why this company reports late payments for some months. USC 1666b requires that billing mistakes be corrected and marked as paid as agreed.

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 2024-06-06 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: IL

Complaint narrative:
I make my payments on time, every time. Im sure of that. What confuses me is why this company reports late payments for some months. USC 1666b requires that billing mistakes be corrected and marked as paid as agreed.

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 2024-06-06 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: TN

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Number XXXX. 

Account Name : XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: NC

Complaint narrative:
Subject : Notice of Adverse Action Due to Furnished Records Without Consent I am writing to formally address a serious concern regarding the recent furnishing of my records by Checkr without my explicit consent. This action has had a direct and significant impact on my professional life, resulting in the loss of a valuable employment opportunity due to unsubstantiated allegations contained within those records. 

On XX/XX/year>, I was informed by XXXX that they received records from Checkr, which they relied upon to make an adverse employment decision against me. I was neither informed of the existence of such records nor did I provide any authorization for their release to any third party, including XXXX. The allegations contained within these records were both unexpected and unverified, and as a result, I was denied the position. 

This action by Checkr not only violated my rights but also caused significant harm to my reputation and career prospects. The lack of consent and notification deprived me of the opportunity to address or refute the allegations, resulting in undue prejudice against me. 

In light of this situation, I request the following actions from Checkr : Immediate Rectification : Provide a detailed explanation of the records furnished, including the source of the allegations and the rationale behind the unauthorized release of my information. 

Formal Apology : Issue a written apology acknowledging the error and the impact it has had on my employment prospects. 

Cease and Desist : Immediately cease the release of any further information about me without my explicit written consent. 

Reparations : Offer appropriate compensation for the financial and professional damage caused by this action. 

Preventive Measures : Implement measures to ensure such unauthorized disclosure does not occur in the future, and provide a summary of these measures.

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

Complaint narrative:
XXXX XXXX Account XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit ratingFurthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

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 2024-06-06 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: CA

Complaint narrative:
Creditor : XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of 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 2024-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Creditor : XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.

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

Complaint narrative:
Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 2024-06-06 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: SC

Complaint narrative:
Account included in bankruptcy- the customer service rep stated they XXXX XXXX XXXX do not talk to each other - fees were assessed during bankruptcy why the information was not posted to both systems. Payoff given of {$420.00} XXXX payment. Received next day - as of today it has not been posted. No one will return a call or update the file

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

Complaint narrative:
Account included in bankruptcy- the customer service rep stated they XXXX XXXX XXXX do not talk to each other - fees were assessed during bankruptcy why the information was not posted to both systems. Payoff given of {$420.00} XXXX payment. Received next day - as of today it has not been posted. No one will return a call or update the 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 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Im unaware of this debt and did not have the opportunity to dispute his debt. Nor did I receive proper notification of this debt. If in fact, you believe you provided me with proper notification send me a certified receipt with my signature on it.

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 2024-06-06 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: CA

Complaint narrative:
I have tried several times through the Experian website and also through XXXX ago get this item removed from my report. All in vain. 

My SO has her XXXX credit card. Solely in her name. Solely for her use. Solely paid by her. 

I NEVER cosigned or had use of this card. Yet, her account appears on my Experian credit report. I have NEVER had an XXXX credit card. 

I looked at my Experian credit report today, XX/XX/XXXXXXXX XXXX XXXX XXXX. The erroneous item is still there, and has a balance of over {$7700.00}. Obviously, this is affecting my credit score. 

Every time I complain to Experian through their website, they claim that the info has been verified. But never explain how they can verify something that is NOT mine.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-06 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: IL

Complaint narrative:
I recently reviewed my credit report and notices that there was fraudulent accounts on my report. Please remove these account from my report as they are hurting my ability to obtain credit.

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 2024-06-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my last attempt to have this issue resolved, and I am increasingly concerned about the negative impact it is having on my financial standing and credibility. In regards of providing all necessary documentation and evidence to support the correction of this late open account, it remains inaccurately listed on my credit report. This persistent error undermines my financial reputation and hinders my ability to access credit and secure favorable financial terms. Also, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. MoreoverI request compensation for the inconvenience, stress, and potential financial harm caused by the presence of this incorrect late open account on my credit report. It has adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial stability. The account should be corrected as soon as possible : XXXX XXXX XXXX Balance : {$290.00}.

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 2024-06-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have received results regarding the inaccurate tradelines resting in my credit profile. Upon recent review of the updated details, the accounts that were initially disputed are still inaccurate. 

Each of the accounts has not been corrected. The creditors failed to update this agency with accurate details regarding each of the listed accounts. I want to highlight a significant point as I am disputing these accounts once more. 

Regardless of the answers submitted by each creditor for each account disputed, if they instruct this agency to dub the accounts as updated and verified and the root problem of the dispute has not been rectified, this company will be liable for statutory violations of the Fair Credit Reporting Act and heres why. 

Consumer reporting agencies are to consider ALL relevant information upon notice of dispute per 15 USC 1681i ( 4 ) Consideration of consumer information and any information regardless of who it comes from must be accurate and complete. 

Consumer reporting agencies have been in business for decades, so each agency factually understands its duties and obligations set forth by the Fair Credit Reporting Act. This includes ensuring maximum accuracy of each consumer report to whom it relates per 15 USC 1681e ( b ) Accuracy of report.

WHAT DOES THIS MEAN AND MY POINT?

If a consumer reporting agency notices any inaccurate information apart from the consumer and creditor, they are to ensure the accuracy of that information and are prohibited from taking sides with any furnisher of information per the Consumer Financial Protection Bureau ( CFPB ). 

If a creditor tells a consumer reporting agency that information being disputed is verified as accurate when it is factually inaccurate and that CRA has confirmed the accounts inaccuracies, not only is the furnisher that provided them the false information unreliable but the account itself is considered unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SY. They are a collection company. I don't know that creditor. I have sent more than 20 letters disputing that debt and to this day they are violating the law every time. The amount is {$10000.00} and my credit report has this stains. This situation is damaging my credit, affecting my ability to obtain loans or credit in the future. Including this debt on your credit report is neither accurate nor fair. It's a negative stain on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: CBC Companies, Inc.
State: PA

Complaint narrative:
someone stole my identity and made fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX Account # XXXX XXXX XXXX - XXXX Account # XXXX XXXX XXXX XXXX  Account # 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 2024-06-06 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX Account # XXXX XXXX XXXX - XXXX Account # XXXX XXXX XXXX XXXX  Account # 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 2024-06-06 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: CA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX you are reporting multiple errors on this account so please investigate and make sure its 100 % accurate per FCRA you are reporting different date opened Transunion , and XXXX don't match update or delete immediately you are also reporting different date of last active means you are in violation for re-aging this account this is a huge error because this determines when this account gets deleted under the fcra update if you can't update or verify the correct date last active you must delete this from all of my consumer reports

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