vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX TX XXXX DEAR EXPERIAN XXXX am writing to formally dispute the reporting of the charge-off account associated with account number XXXX AMOUNT OWE {$4500.00} my credit report, Under the FAIR Credit Reporting Act ( FCRA ), specifically 15U.S.C1681i ( Reinvestigation of Disputed Information ), and 15 U.S.C 1681s-2 ( Responsibilities of Furnishes of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. Additionally, under WA law, I am requesting proper validation of this debt. 

I would like to highlight several cases that affirm my right to dispute this information and request accurate reporting. In CUSHMAN V. TRANSYUNIONCORP,115 F.3D 220 ( 3d Cir.1997 ), the court emphasized the duty of credit reporting agencies and furnishers to ensure the accuracy of the information reported on consumers credit reports. Furthermore, JOHNSON V. MBNA AMERICA BANK, NA ,357 F.3d 426 ( 4TH Cir.2004 ) reinforces the requirement that furnishers conduct proper investigations into disputes and verify the accuracy of their reporting.

To properly validate this account, I am requesting the following : I am requesting full double- entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt. 

In addition to the accounting records, I require authenticated evidence, in compliance with WA law, that you have the legal right to report and collect this debt. This includes original signed contracts or agreements that show my obligations to pay the debt and your legal right to enforce collection and report it to creditors without evidence, the continued reporting of this debt may constitute a violation of both federal and start consumer protection laws.

If this debt has been forgiven, canceled, or settled for less than full balance, I am requesting a copy of the 1099-c form filed with the IRS, which is required if the canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed to my credit report. 

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 explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX apt XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, 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 2024-10-23 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: FL

Complaint narrative:
Name XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, 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 2024-10-23 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: CA

Complaint narrative:
I reviewed my Consumer report and notice that I had one late payments on an account. account name XXXX XXXXXXXX XXXX XXXX. The account number are not consistent with all credit reporting agency. 
In accordance with fair credit reporting act. This creditor have violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states consumer reporting agency can not provide account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a account under a open end consumer credit report as late for any purpose. I demand these payments be updated to on time as they should be. Thank 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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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 explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Dear Goldman Sachs Bank USA, I am writing regarding a charge on my Apple Card for flight tickets ( Booking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchased through XXXX for {$2100.00} on XX/XX/year>. 
Due to unforeseen circumstances, I was unable to take the flights scheduled for XXXX XXXX XXXX I have already taken the following steps to resolve this issue : 1. Contacted XXXX to request rescheduling options, credit for future travel, or a partial refund with a cancellation fee. Unfortunately, they were unable to accommodate my request. 
2. Attempted to contact XXXX XXXXXXXX directly, but was unable to do so because the booking number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) or other references I had were not recognized in their system. This has prevented me from exploring options directly with the airline. 
Throughout this process, I have expressed my willingness to pay a reasonable fee for changes or to receive credit for future travel. However, I have been unable to reach a satisfactory resolution. 
I am not seeking a full refund, but rather a fair solution that takes into account my willingness to accept a partial loss or to apply the value to future travel. Given the diXiculties I've encountered in resolving this directly with the merchant and airline, I would greatly appreciate your assistance in : 1. Investigating the validity of this charge, considering that XXXX XXXXXXXX does not recognize the booking number. 
2. Mediating with XXXX to explore possible resolutions, such as partial refund or credit for future travel. 
3. Advising on any other options available to me as an Apple Card holder in this situation. 
Please find attached copies of my correspondence with XXXX and the original booking confirmation. 
Thank you for your attention to this matter. I value my relationship with Goldman Sachs and the Apple Card, and I look forward to your guidance on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: VA

Complaint narrative:
I am writing once again to follow up on my unresolved dispute regarding the unverified and inaccurate accounts listed on my credit report. Despite previous attempts to rectify this matter and your assurances of investigation, these discrepancies persist. 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 2024-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
In XX/XX/XXXX, in response to a letter from Harris and Harris saying that I owed a past-due tax balance to the XXXXXXXX XXXX XXXX  from XXXX, I went to the website provided in the letter and filled out the form asking for verification of the validity of the debt being collected. I also informed Harris and Harris that I was disputing it on the basis of expiration of the Statute of Limitations, even if the debt was shown to be valid, because the code of the XXXX XXXX XXXX stipulates a seven year Statute of Limitations on collections of tax debt, and the alleged tax owed was from thirteen years prior. On XX/XX/XXXX, a garnishment/lien was activated on my bank accounts, collecting over {$1300.00} from both mine and my daughter 's accounts with no notice whatsoever. When I checked with the bank, they gave me the number for Harris and Harris and said that was where the lien originated. So I contacted Harris and Harris and asked why they were proceeding with collections when I had requested validity and had disputed the debt and they have not responded. They checked and said that they could see my submission requesting validity and that it was still being reviewed. They told me that I would have to speak to the legal department who could remove the garnishment since the validation request was still under review. So I called the legal department. The person in the legal department was very rude to me and told me that even though I had disputed it, that the debt was still valid until proven otherwise and that they could continue to collect. When I informed her that the law said the exact opposite, she told me to take it up with the XXXXXXXX XXXX XXXX  and hung up on me. I know my rights in this case, and I know that they were not permitted to place this garnishment until they responded to my request and gave me the opportunity to settle the debt with them, if it was valid. This garnishment has not only provided a hardship for me financially, but the rudeness of the person ( who only identified herself as " XXXX '' ) in the legal department at Harris and Harris and her insistence that they had a right to collect while reviewing my request was a violation of the Fair Credit Collections Act. It is especially egregious that they have taken over three months to review my request, and use that as an excuse to pursue collections in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-23 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: NJ

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: AZ

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 explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Hello so these payments were sent to the scammer and unfortunately he illegally claimed that he a real business and an auction access for cars where he was suppose to buy me a car. He also provided XXXX contracts for me to sign but it turned out they were fake. This scammer used fake business name and illegal contract to take my money. Here are details the payments were sent through cash app. My first payment sent was on XX/XX/year> for {$95.00}. My next payment was on XX/XX/XXXX for {$240.00}. Next is XX/XX/XXXX with two payments of {$180.00} {$120.00}. Next was XX/XX/XXXX for {$490.00}. XX/XX/XXXX for {$500.00}, {$1000.00} and {$140.00}. XX/XX/XXXX was {$2.00}. XX/XX/XXXX was {$1500.00}. XX/XX/XXXX was {$490.00} and {$180.00}. I also gave him {$13000.00} cash in person. I contacted the police in person and I do have the claim number and polices email. The police told me the best idea would be to take him to court which I will very soon. I provided all of this information and I provided text messages his license and signed documents by my local bank. My bank knew I got scammed so they shut down my cards and issued a fraud dispute against the scammer. As weeks went by, I called my bank up to get updates on it, they told me that unfortunately it was denied because my bank tried to get a hold of the scammers bank and cash app but they declined my banks request. One reason it could be declined is because the scammer emptied his account so that way my bank can not retrieve the funds. I did submit a fraud dispute on cash app about 4-5 days ago and it still shows pending as Im waiting for the response. On XX/XX/year>. I called my bank to receive a file proof so that way I can send it to the FTC. My bank also contacted their analysis to see if they can reopen my dispute and try one more time to contact their bank/cash app, so I am waiting on that. Right after I also called cash app and I told them what happened and as I was describing they started writing down notes and everything that happened into the system so that way when the bank or FTC contacts cash app they are ready to provide the information. Cash app told me that since Im the one calling they are not able to work with me, but they said if your bank or FTC contacts us ( cash app ) than they are willing to help me and all. Im super sorry for this long paragraph and it might be super confusing. But I am willing to provide as much information and proof of needed. I have the claim numbers from my bank and also proof from cash app. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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