vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$540.00} Closed XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$1300.00} XXXX XXXX Reported : XXXX XXXX, XXXX {$450.00} XXXX XXXX - XXXX Reported : XXXX XXXX, XXXX {$1300.00} XXXX XXXX Reported : XXXX XXXX, XXXX {$270.00}

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 non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-12-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
I have a cash app account that was hacked. I applied for the settlement up to {$2500.00} but haven't received any correspondence. I was out of hundreds of dollars and my bank has yet to be able to retrieve the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Equifax via XXXX Certified Mail ( tracking # XXXX ), requesting a reinvestigation of items on my credit report, specifically a XXXX  I included all necessary documentation to verify my identity and address, including a copy of my photo ID, social security card, and a recent bill with my current address. 
To date, I have not received any response from Equifax regarding the results of their investigation or any acknowledgment of my dispute. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of items in their file. By failing to respond to my dispute or conduct a reinvestigation, Equifax has violated my rights as a consumer under the FCRA. 
Additionally, I mailed a separate dispute to XXXX on XX/XX/year> ( tracking # XXXX ), regarding the same XXXX  On XX/XX/year>, I received a response from XXXX confirming that they filed disputes with all three credit bureaus, but none of the bureaus had responded to their inquiries. This demonstrates that the XXXX reported by Equifax is unverifiable, even by XXXX, which serves as their primary furnisher of public record information. 
I am including copies of the disputes sent to Equifax and XXXX, as well as XXXX ' response, for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am formally requesting their removal within 15 days. Please find the relevant documents attached for your review and reference.

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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was approved for a ( double cash back credit card ) by Citibank on XXXX, 2024. Ive spoken with a Citibank representative Two times and was told there was a delay. On the second attempt I was rewarded points for my patience, that in itself should prove Ive been waiting too long. Today XXXX I am attempting to make my third attempt on getting my Credit Card I was approved for. My Credit Score was not put on the line for no reason. I will be speaking with a lawyer if this is not resolved within next 7-21 businesses days.

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 2024-12-03 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: PA

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I made payments to Mohela to decrease my student loans. It is now XX/XX/year>, and they have yet to post my payments. 

I do not know what is my true balance. My account states that I still owe them a payment before XX/XX/year>. But does not state how much. In addition, I am still in school. This has been an ongoing issue with Mohela since my student loans were transferred to them. 

I requested a complete history of all my payments made since the day my loans were transferred to them. I have never received that information. 

In addition, it is very difficult to get a hold of anyone. Recently, I was on hold for over an hour and still no answer during business hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Village Capital & Investment LLC
State: MN

Complaint narrative:
Purchased a home in Arkansas back in XXXX of XXXX ' and moved back to Minnesota to be a XXXX  for my father. I was approved for a new home with a lower salary and a few weeks prior to closing had to work out a payment plan for a previous Credit Card bill. The bank was willing to accept the terms of the payment plan with the CC company. About a month of living in the home, made the decision to assist my father in Minnesota as his XXXX. I temporarily move back with no end date and secured a new job with double salary. The move created a hardship with debt and rental, moving expenses. The mortgage company is aware of my XXXX status and VA loan. I've hired a third party to represent myself and have been working a waterfall options. All the options that have been presented are going from a 30 year to 40 year loan with only XXXX XXXX lower rate and adding 10 years of payments. I've asked multiple times for assistance and time to repay the loan and was informed of the VA XXXX program. I requested multiple times via phone, email and third party to submit to XXXX and was told I was denied. I have requested that denial letter and no response. I've also sent multiple letters to mortgage company with no response as well. I've included the letters from the mortgage company with only partial info to what the new loan terms would be. The company has started the foreclosure process without submittal to VA for protection. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-03 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: Sezzle Inc.
State: NY

Complaint narrative:
Back in XXXX I purchased a wig from the XXXX when it arrived it wasn't as described. Hair was advertised as XXXX human hair and it came colored and processed. Made attempts to resolve it with the merchant They stopped responding I reached out to Sezzle and provided proof of what they were selling and what they gave. I had tried to return it and the mailer they gave me was not legitimate So I could not even send back. Sezzle kept referring me to the merchant who would not reply to me. 

Secondly, on another purchase from XXXX, it was refunded and sezzle applied to wrong purchase so I have to continue paying on something that doesn't it exist and have separate payment dates as well. They refuse to allocate the funds correctly and insist that it was done correctly and even if it wasn't they said they have the right to do that. Also they are missing refunds I have sent them proof from both the merchant and XXXX who shows a process the refund. They offer me no recourse and they tell me that things have been escalated and to wait and definitely for a supervisor to Get a hold of me. I've asked several different times for information that was entitled to me. I just want information about what I can do They opened up an arbitrary dispute process for me then closed it Just to say they did it. They are growing increasingly more difficult to deal with and to get information out of. I have emails and documentation and all of that to prove the instances of consumer violations and regulations that they refuse to adhere to. It'd be one thing if it was just one agent or one representative I spoke to but it's all of them so this has to be a company practice I have all of the correspondences that we have and I record all the conversations now so if any other information is needed to further violate them and have them regulated I am more than willing to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: MD

Complaint narrative:
I am writing to file a formal complaint against Checkr , Inc. for continuing to report criminal records that are more than seven years old in violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA, under 15 U.S.C. 1681c ( a ) ( 5 ), explicitly prohibits Consumer Reporting Agencies ( CRAs ) from including adverse information, such as criminal records, that is more than seven years old in consumer reports. My records, which Checkr is reporting, are well beyond this timeframe. Despite this clear legal restriction, Checkr persists in disseminating these outdated records, which has directly impacted my ability to secure employment opportunities with companies such as XXXX, XXXX, and XXXX. 

These companies rely heavily on background checks conducted by Checkr. Due to Checkrs non-compliance with federal law, I have been unfairly disqualified from working for these platforms, which has significantly hindered my ability to earn a living and support myself.

I have made previous attempts to resolve this issue directly with Checkr, but my efforts have been unsuccessful. This ongoing violation not only demonstrates a lack of compliance with federal law but also perpetuates unnecessary hardships for individuals like me seeking legitimate work opportunities.

I respectfully request that the CFPB take immediate action to investigate Checkrs practices and ensure they cease reporting my outdated criminal records. Please let me know if you require additional information, including specific reports or evidence, to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation