vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
A caregiver to my father  had her name added to his accounts and now his bank will not allow us to access them. He passed away on XX/XX/XXXX and the caregiver was supposed to pay off the bills he owed and then disperse the rest of the accounts to the XXXX children. She did not report his death to his pension plan and as of XX/XX/year> was still receiving payments to the said accounts. I officially reported and they have now ended the pension but money will need to be paid back from that account in which we, the children, do not have access. His phone has also not been paid off or cancelled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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:
Late payments verified response Can you state what law says you have to report a Transaction as late payment? 


The only way a corporation can possibly report a payment as late falls under XXXX XXXX XXXX XXXX - Timing of payments ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 



Can you provide me with the tracking number of the periodic statement that was mailed or Delivered 21 days before my payment due date along with all the information required by section XXXX ( b ). 


If not I need this inaccurate information removed The FCRA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Timing of payments XXXX XXXX XXXX XXXX request the Deletion of all transactions listed as late on my consumer reports. 


You have obligations to report accurate information on a consumer report XXXX XXXX ( b ) The fair Credit Reporting Act XXXX XXXX XXXX and its sub chapters does not require a consumer to call any creditor or furnishers of information to get any item that is inaccurate or incomplete on a consumers file to get deleted. 


The Burden of proof is on you the consumer reporting agency to furnish accurate information XXXX XXXX XXXX ( b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my deep disappointment and concern regarding significant issues with my credit report. Upon reviewing my report, I noticed that an account previously removed over a year ago has been reinserted. This reinsertion is troubling and appears to violate the Fair Credit Reporting Act ( FCRA ) in multiple ways : Failure to Notify : Equifax did not notify me within the required five business days of the reinsertion of this account, Certification of Accuracy : There was no certification of accuracy provided for the reinserted account, Inadequate Reinvestigation : Equifax did not conduct a reasonable reinvestigation as mandated by law. 
These lapses have adversely affected my creditworthiness and violated my consumer rights under federal law. I request immediate corrective action to address and rectify these violations. 

Furthermore, I am a victim of identity theft. In XX/XX/XXXX, I discovered several unauthorized accounts on my consumer report. On XX/XX/XXXX, I filed an Identity Theft Police Report and submitted a complaint to the Federal Trade Commission ( FTC ), as instructed by the reporting agencies. Despite these efforts, the issue remains unresolved. 

According to the Fair Credit Reporting Act, specifically 15 USC 1681c-2, Equifax is required to block information resulting from identity theft within four business days of receiving : Proof of the consumers identity, A copy of the identity theft report, Identification of the fraudulent information by the consumer, A statement confirming that the information does not pertain to any transaction made by the consumer. 
I urge Equifax to take immediate and corrective action to resolve these issues and ensure compliance with the FCRA. Please provide confirmation of the actions taken and a revised credit report reflecting these corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
Around XXXX I attempted to purchase a XXXX online from XXXX for XXXX. Before I made the purchase I talked to my friends, online searchs for reviews, and relied on past shopping experiences. I guess I was the XXXX chosen to be scammed because I never recieved the product. I filed a refund request with the business and they denied refunds. Cash App is denying the refund because the funds were sent to a private account versus a business account. I am not claiming discrimination but I am on XXXX for cognitive inpairments. I chose to use cash app because the website gave me the impression I was being provided with a high level of protection from scammers. I did not see anywhere that there was even a difference in accounts. I have screen shotted the chats with cash app and the seller

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: CO

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 of 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 explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo is not giving me the redtess remediation lawsuit funds funds for my friends account as I am hos benificiary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: LA

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX CT GA XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( 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 XXXX years. 

XXXX XXXX. XXXX ( 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 2024-09-11 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: LA

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX CT GA XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: CA

Complaint narrative:
I am a victim of identity theft. I have requested to remove these fraudulent inquiries from my credit report. Please see attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: CA

Complaint narrative:
I am a victim of identity theft. I have requested to remove these fraudulent inquiries from my credit report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 2024-09-11 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 2024-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Checkr, Inc
State: AR

Complaint narrative:
We received a bill from XXXX XXXX XXXX requesting payment for a debt that CHECKR INC had turned over to them. When I spoke to XXXX XXXX with that company. I informed her that it was not my company 's debt and that we had never requested services from CHECKR. The invoices she sent me began XXXX and went through XXXX. 2024. The contact name that was on the statement was a person that had not been with my company for over XXXX years, was a contract worker, and had no authority to authorize services. I am still waiting on a copy of the contract. In the mean time I tried to call CHECKR INC., there was a recording that said to contact their support team through email. I did and was I asked was I sure the bill was from them. I was sending them the copies of the invoices within XXXX minutes and I received an email saying the support email address was no longer monitored and to start over. 

XXXX XXXX XXXX bill is for {$1000.00} dated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted all credit bureaus in notice of incorrect and unmailable information. It has been 30 days and the corrections were not made. My name is incorrect as well addresses that have no account connection and is undeliverable. Please assist with this removal-all and any information on your report should be valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: 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 XXXXXXXX Account Number XXXX Account Name : XXXXXXXX XXXX Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX and 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 2024-09-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year> I received separate letters from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX XXXX  ) stating that my recent credit applications have been denied pending further information r/t multiple recent inquiries. I attempted to call both institutions from the numbers provided on the letters but was unable to obtain information because I would not submit my social security number. However these companies were notified that these were unauthorized fraudulent inquiries/ applications. 

On XX/XX/year> I received an additional letter from XXXX XXXX stating a recent request for a XXXX card was requiring additional information. Again I have not inquired or applied to this company. I proceeded to the three credit agencies and put a freeze on my credit with each Experian, XXXX, and XXXX. I also ran my own credit report and found multiple inquiries within recent days from various different credit companies. Also a fraud alert has been placed with XXXX XXXX On XX/XX/year> I received XXXX additional letters. XXXX from XXXX XXXX  stating that a request for a " credit product '' from XXXX XXXX could not be approved r/t multiple recent credit inquiries, length of time auto accounts have been established, and phone is invalid, disconnected, or associated with a transient commercial location. The letter stated the XXXX XXXX  used XXXX XXXX XXXX and XXXX XXXX XXXX to obtain this information. The second letter was a physical credit card XXXX XXXX. The original merchant was listed as XXXX XXXX XXXX with a credit limit XXXX. I immediately called this company and was told they were flagging the account as fraud and credit card was shut down. 

On XX/XX/year> I received a letter from XXXX stating they had been notified of a fraudulent application in my name. They stated that they have canceled the application and marked as fraud. 

Experian, XXXX and XXXX have been contacted related to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
This loan was associated with a XXXX XXXX XXXX purchased from XXXX XXXX XXXX XXXX located in XXXXXXXX XXXX  around XXXX XXXX XXXXXX/XX/XXXX. However, the vehicle never arrived. I never had possession of the vehicle. The vehicle is financed through Navy Federal Credit Union. I never got insurance on the car because I never saw it in person. On XX/XX/XXXX, NFCU sent me a letter confirming that I am not responsible for this loan. Despite this information, the account is still being reported on my credit file, which is causing significant damage to my credit standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation