vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-11-11 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
Company is trying to collect a debt a I did not create. I do not recognize this debt nor do I recognize this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have an account with Navy Federal Credit Union ( NF ). They would take hours to days to take out my funds when it was used. I would then use my card think I still had enough money, but in all I get hit with an over draft fee and my account would be in the negatives. I paid back the money and spoke with NF to put my account on overdraft protection. Even If my card was frozen, or my fund was in a different account NF would still allow the transaction to go through which caused my account to overdraft as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally address an issue with unauthorized and unverified bankruptcy and tax lien information listed on my credit report. Upon reviewing my credit report, I discovered these public record items, which I did not authorize and which were not properly validated according to the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 5 ), which requires that " If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' I contacted the County Recorder of Deeds and the U.S. Bankruptcy Court, and both entities confirmed that they do not provide validation or confirmation of public record information to credit reporting agencies. Additionally, these agencies clarified that they do not verify or validate the public record entries themselves but rely on third-party sources to report such information. 
In accordance with the FCRA, I am requesting that the bankruptcy and tax lien entries be immediately removed from my credit file. These entries are unverified and not in compliance with federal regulations. The credit reporting agency has failed to validate these public records as required by law. The information provided by the third-party reporting sources was never confirmed or validated by the original record holders, and this constitutes a violation of the FCRA, particularly Section 609 ( a ) ( 1 ) ( a ), which mandates that credit bureaus verify all public record information through original contracts or judgments. 
I request that you provide me with copies of all documentation relating to these public record items, including any court orders or signed authorization forms that would have allowed the inclusion of this information on my credit report. If such documentation can not be provided, I demand the immediate removal of these entries from my credit file. 
In accordance with the FCRA, you are required to complete this investigation within 30 days of receipt of this letter, as stipulated under Section 623 ( a ) ( 3 ). I will be closely monitoring my credit report during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally address an issue with unauthorized and unverified bankruptcy and tax lien information listed on my credit report. Upon reviewing my credit report, I discovered these public record items, which I did not authorize and which were not properly validated according to the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 5 ), which requires that " If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' I contacted the County Recorder of Deeds and the U.S. Bankruptcy Court, and both entities confirmed that they do not provide validation or confirmation of public record information to credit reporting agencies. Additionally, these agencies clarified that they do not verify or validate the public record entries themselves but rely on third-party sources to report such information. 
In accordance with the FCRA, I am requesting that the bankruptcy and tax lien entries be immediately removed from my credit file. These entries are unverified and not in compliance with federal regulations. The credit reporting agency has failed to validate these public records as required by law. The information provided by the third-party reporting sources was never confirmed or validated by the original record holders, and this constitutes a violation of the FCRA, particularly Section 609 ( a ) ( 1 ) ( a ), which mandates that credit bureaus verify all public record information through original contracts or judgments. 
I request that you provide me with copies of all documentation relating to these public record items, including any court orders or signed authorization forms that would have allowed the inclusion of this information on my credit report. If such documentation can not be provided, I demand the immediate removal of these entries from my credit file.

In accordance with the FCRA, you are required to complete this investigation within 30 days of receipt of this letter, as stipulated under Section 623 ( a ) ( 3 ). I will be closely monitoring my credit report during this time.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

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 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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: TX

Complaint narrative:
Contact initiated and successful XX/XX/XXXX and XX/XX/XXXX about a transaction from XXXX XXXX. The transaction is still pending on the cash app application. Cash app claims this hold can take up to 30 day, cash app has representatives including their supposed management replying to emails in script mode. I have communicated with cashapp via in-app, email and telephone. I have spoken to 2 non-supervisory employees. One of them whom sent me an email to provide the receipt to from the hotel that should include " Amount of the transaction or XXXX XXXXXXXX XXXX on the final bill - Date - Merchant contact info or logo '' When asked why I should be going through this for cashapp to release my own money to me, they claimed the hotel has not released the funds.

After the XXXX  that includes this information was sent to
the requesting representative XXXX XXXX, the representative did not initiate the release. 

I also sent the XXXX  form to a " manager '' named XXXX. He replied " My name is XXXX, and I am the manager at Cash App Support. Thank you for your patience while I reviewed your case to ensure accurate and correct information was provided by our team. 

XXXX XXXX placed a temporary hold on your Cash App Card for {$50.00} on XX/XX/XXXX, and the payment is still pending.

These hold should drop off by end of day XX/XX/XXXX if not completed. We are unable to expedite cancellation, but you are welcome to reach out to the merchant directly.

If the merchant is not able to resolve this issue on their end, we can investigate further if the transaction is still pending after 30 days.

If the funds are released by the merchant, they will be added to your balance.

Kind Regards, XXXX Cash App Support Manager '' This reply is scripted.

I have been researching online, and cashapp has a history of this behavior to consumers when using the card at hotels. When consumers have used alternate cards, this never happens. Their balances are updated within the timeframe of up to 7 business days. This is the timeframe that XXXX informed me the hold would be released. Cash app lies to consumers about the holds referring us back to the companies, the companies provide the requested information to the consumer, the consumer provides the information to cashapp, and cashapp lies to the consumer again via a scripted message and respond to every message thereafter with an identical copy and paste script. On the forums of consumer complaints, cashapp holds funds for 30 day to collect any amount of interest on the transaction which is a bad business practice and makes me stressed about a cashless future in the usa. Because if cash app can hold consumer funds for 30 days and get away with it, then any company can do it. I will be telling everyone everywhere to uprise about this supposed cashless future because of experiences like this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FactorTrust, Inc.
State: LA

Complaint narrative:
I am writing to demand the immediate removal of the following items from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
These accounts have both been disputed and deleted from my XXXX and XXXX reports as they were both deemed inaccurate. As per the CFPB response the collector XXXX XXXX XXXX stated that the account was closed and reporting stopped but instead they continue to negatively impact my credit and over life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
These accounts have both been disputed and deleted from my XXXX and XXXX reports as they were both deemed inaccurate. As per the CFPB response the collector XXXX XXXX XXXX stated that the account was closed and reporting stopped but instead they continue to negatively impact my credit and over life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
From XXXX to XXXX, I believe Navy Federal Credit Union has been mistakenly charging me overdraft fees and insufficient funds fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-11 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-11-11 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I mailed in a check to be applied to my account in XX/XX/year> ; I called multiple times because their processing time is 7-10 days before payment is applied to account. Every time I call, the representatives do not have the information, I am transferred to the incorrect department or after a 30 min wait the line is disconnected automatically. I need the payment to be reflected on my account.

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

Complaint narrative:
XXXX XXXX reported a charged off on an account in then amount of {$4200.00} effective XX/XX/year> and as a consumer I should have received a 1099. According to 15 USC 1611, it is unlawful to mislead or deny an individual 's access to credit based on false information. My treatment of my application used to create a security in the amount and denial ones own credit may constitute a violation under this provision, potentially resulting in a denial and charge off on erroneous grounds. Also, according to 15 USC 1681 ( b ) Permissible purpose of a consumer report, did not have my written consent to report my Information, and the it not lack accuracy.

Company response to consumer: Closed with non-monetary relief