vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: SC

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

I told Experian, XXXX, and XXXX to reinvestigate These Accounts : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX However, They stated that everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) They are supposed to modify Accounts that are not reporting correctly.

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

I as the consumer have a right to privacy.

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 2024-01-26 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:
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management ( CRM ) has reported a derogatory account of {$490.00} on my credit report, and I was never notified of this debt before it appeared on my credit report. I have initiated multiple disputes, addressing the failure to notify me of the debt and the lack of proper time allowed for disputing inaccurate information. Despite informing XXXX and XXXX of these violations, they persist in conducting automated investigations and refuse to comply with Fair Credit Reporting Act ( FCRA ) Regulations. 

On XX/XX/XXXX, I filed a complaint against CRM with the XXXX XXXX XXXX XXXX XXXX XXXX. Several weeks later, on XX/XX/XXXX, CRM updated the balance to {$320.00} in response to my complaint. This swift adjustment suggests a lack of thorough investigation by the credit bureaus and indicates CRM 's uncertainty about the accurate debt amount. 

In my response to CRM on the same day, XX/XX/XXXX, I requested concrete proof of debt notification and validation. However, their response on XX/XX/XXXX failed to provide any evidence of notification, no certified mail receipt or anything. Instead, CRM presented a validation of debt that contradicted the amount they had reported just eight days earlier ( See supporting Evidence ). 

Despite previous disputes that returned as verified, XXXX failed to update the status to " in dispute. '' It is apparent that the debt was not {$490.00} or {$320.00}. As of XX/XX/XXXX, an additional {$130.00} has been removed, reinforcing the assertion that the debt is neither accurate nor valid, as previously outlined in disputes that were disregarded ( See Supporting Evidence ). 

Additionally, XXXX 's failure to update the status to " in dispute, '' despite multiple investigations they claim to have conducted, and the reporting of the date of last activity in different years for both XXXX and XXXX further solidify that none of the involved parties are performing any meaningful investigation or verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX, I made secured credit card from my own money with Bank of America last XXXX. 
I also increased my credit limit 200 %. 

I was always compliant with utilization rate of 30 to 40 %. 

My score has increased to XXXX 3 times after I made a phone payment, it said to me that payment has been received. After 10 days days payment was canceled. 
I fixed the problem and made cash atm payment after that. 

Bank of America has canceled my secured credit card with I made from my own savings to build credit aiming to buy and finance some items later. 
I asked them twice to solve the problem, nothing happened. 

I upgraded my stay from XXXX to XXXX XXXX XXXX, bank of America did give me access to investing account Merrill lynch

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 2024-01-26 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: TX

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: NC

Complaint narrative:
I Have 4 Inaccurate Late Payments On My XXXX XXXX XXXX XXXX I Made These Payments & It Was Rejected By Software Malfunction. I Ask That You Please Delete Those 4 Inaccurate Late Payments Off My Credit Report Please By Law. 

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

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Those 4 Inaccurate Payments Are Stopping Me From Buying A Home. Can You Please Remove Those 4 Inaccurate Payments Asap. 
Thank you & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: KS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-01-26 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: FL

Complaint narrative:
These unauthorized inquiries are negatively impacting my ability to obtain credit and apply for loans. In accordance with the Fair Credit Reporting Act, I request that you promptly remove these unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-01-26 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:
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: NH

Complaint narrative:
They are saying this is from XXXX  from XXXX XXXX XXXX XXXX in ohio Ive never been too Ohio before and I had health insurance living in New Hampshire never had this debt and I need it removed or they need too prove it was me either way this is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
on XX/XX/23 my us bank checking account showed 2 unauthorized transactions worth of over {$270.00} that werent made by me. i called and contacted my bank and was told theyll cancel the charges. the charges are still there and they charged me 4 extra overdraft fees because of the unauthorized charges as well. even though my account was completely fine before the fraud charges. and they said they wont refund me now. even though i was told yesterday they would.

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 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I am a XXXX that had a XXXX account created for me in Venmo, but it had all these weird limits and wouldnt let me receive any money and was really inconsistent with how I could receive it. I created an XXXX account in order to be able to receive money properly and it let me create the account and put money into it and let people send me money just fine without questioning if I was actually an XXXX. today I tried to withdraw my balance, and they just said no. they let me add money to my account, pretty much giving them money without questioning if I was an XXXX but right, when I tried to withdraw or access any of my money, they deny me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TX

Complaint narrative:
Not following the FCRA guidelines. 
Submit multiple requests to get accounts removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
I have federal loans with Mohela and am working toward Public Service Loan Forgiveness. In XX/XX/XXXX I was placed on administrative forbearance through the end of XX/XX/XXXX. The Mohela website clearly states that my {$0.00} payments during XXXX, XXXX, and XXXX will count toward PSLF. I submitted employment verification on XX/XX/XXXX. This form has been processed. My XXXX and XXXX payments are inappropriately being considered ineligible. I am only a month away for meeting my 120 payments but am being told by Mohela customer service that this error may not be corrected until summer of XXXX. This will result in thousands of dollars of overpayment due to their inaccurate accounting of my payments and delay in resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: NC

Complaint narrative:
I Have 4 Inaccurate Late Payments On My XXXX Credit Building App I Made These Payments & It Was Rejected By Software Malfunction. I Ask That You Please Delete Those 4 Inaccurate Late Payments Off My Credit Report Please By Law. 

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

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Those 4 Inaccurate Payments Are Stopping Me From Buying A Home. Can You Please Remove Those 4 Inaccurate Payments Asap. 
Thank you & 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 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I have received correspondence starting on XX/XX/2023 though my email, they then started calling other numbers of people outside of our business trying to collect. I have not received notice through mail. So sent an email stating that they only contact me by my email between the hours of XXXX on Monday. I then sent a letter in the mail on XX/XX/2023 for them to validate this debt and send me a copy of the purchase agreement and to prove that in fact it is our debt. I have yet to receive validation, until today where I was called and told that they would be reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CO

Complaint narrative:
I've been in contact with Cash App since this has occurred since XX/XX/XXXX. I've heard nothing back from them. They owe me over {$2000.00} at least {$2100.00}. I've called every single day. Maybe 5 times a day just for them to tell me that they can't help me that I need to speak with somebody in chat. I've spoke with people in chat and they told me they could not help me. I need to call. I just keep going back-and-forth with these people and they will not verified me. They are refusing to verify me just so they can keep my money. They won't discuss anything with me. They won't help me whatsoever. I just want my money and I'll close my account. I don't even like Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
lam a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Affidavit. Please delete the items as soon as possible.

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 2024-01-26 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: TN

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal dispute regarding a clear violation of the Fair Credit Reporting Act ( FCRA ) by Equifax and XXXX. I have discovered that the consumer reporting agencies have reinserted previously deleted information into my credit report without providing the required notification, as mandated by 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ). 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ), it is explicitly stated that if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted, the consumer reporting agency must notify the consumer in writing not later than 5 business days after the reinsertion. 
Despite this statutory requirement, I have not received any notification from either Equifax or XXXX regarding the reinsertion of the aforementioned accounts. This failure to comply with the FCRA has serious implications for consumers, as it denies them the opportunity to review and dispute inaccuracies in a timely manner. 
I kindly request the Consumer Financial Protection Bureau to : 1. Investigate the reinsertion of deleted information by Equifax and XXXX without providing the required written notification, as mandated by 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ). 
2. Confirm the violation of the FCRA and take appropriate enforcement actions against Equifax and XXXX. 
3. Ensure the immediate removal of the reinserted accounts from my credit reports.

4. Provide me with written confirmation of the resolution and any actions taken.

I appreciate your prompt attention to this matter and the protection of consumer rights under the FCRA. Please feel free to contact me if further information is needed.

Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief