vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-28 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: FL

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX **Date** XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Formal Dispute of Incorrect Transaction Demand for Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of a transaction reported on my credit file. This reporting violates my rights under **15 U.S.C. 1681i ( 7 ) **, concerning what the procedure was that they used to validate the information. 

The transaction in question is as follows : - **Creditor Name : ** XXXX XXXX XXXX - XXXX Number : ** XXXX - **Date Opened : ** XX/XX/XXXX Under this statute, consumer reporting agencies are restricted in how they may use and disclose consumer information. If a transaction is not associated with a permissible purpose or is otherwise unverifiable, it must be promptly excluded from my file. 

Additionally, the precedent established in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), supports my demand. In this case, the court emphasized the importance of strict adherence to the permissible purposes outlined in the FCRA. Any deviation from these requirements constitutes a violation of federal law. 

Accordingly, I demand the immediate removal of the disputed transaction unless XXXX can provide documented evidence of its accuracy and a permissible purpose for its inclusion. Failure to comply will result in further legal action to protect my rights under the FCRA. 

Please respond in writing within the statutory time frame. I expect either confirmation of the deletion or a detailed explanation of the evidence and permissible purpose relied upon. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: WI

Complaint narrative:
I have a transaction that has been pending in my account for days the name of the pending transaction was for deerwood othordonics in the amount of XXXX that was not suppose to have been taking out. I contacted the merchant and they told me they reversed the transaction the same day which was XXXX XXXX. Prior to this transaction there was a transaction from this same merchant pending in XXXX for XXXX they did the wrong billing and the same day they reversed the transaction and I received my funds two days later. I contacted credit karma money multiple times and kept getting different answers. The first time they told me my funds will be available XX/XX/XXXX at midnight. I check my account and the funds wasnt there. I then called back they told me to wait until XXXX on this same day. Now they are telling me 3-5 business days. This have never took this long for a reversal to go thru. I did a XXXX recently and didnt get all my food and they reversed the funds I didnt get and it appeared in my account right away. This is a holiday and none of this is my fault and I feel like they are just holding the money for interest. I even have an authorization code from the merchant stating they reversed it. No one is trying to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
in XXXX  A vent cleaning provider came by house and said they would charge me {$140.00} to clean my vents. I agreed but they charged {$5000.00} on my citi credit card. I called citi to resolve the unauthorized charge but they refused to help me. They instead reported to my credit report and this is the only negative account on there. I was mislead and the charge was fraudulent. The fact that Citi did not protect me as a consumer is extremely frustrating.

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 2024-11-28 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year>, my client paid me ( via Square ) for a vocal session package. I had already set up my square acct so I could receive payments, sending them my bank account information, routing number and bank account no, etc. Square did a test transaction on XX/XX/year> of {$0.00} deposited into my account and a {$0.00} withdrawal the same day. They have since refused to release my funds to me saying they needed further verification of my identity. I have sent them all of my banking account information, my XXXX business license and other sensitive information about myself and/or business. After spending more than four hours on the phone with them today, the situation is still not resolved. They have all of my sensitive and private account information. One customer representative hung up on me and yet another was clanging dishes in the background and offering scripted responses to my questions and concerns. The only information they would give me is that my money is being withheld pending further review. At this point, I feel in order to protect my business reputation I will need to refund the money to her personally. As you can well understand ; I am a small business owner and every XXXX makes a difference. I will have to refund my customers XXXX to her. Im very concerned that I have been scammed. This will have a huge impact on my finances going forward. 
I will have to get a new TIN number and close my existing business account to protect myself from losing anymore money. 
Square has been very unhelpful in this situation, displayed unprofessional attitudes and lacks any empathy or compassion whatsoever for its customers in their robotic responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.

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 2024-11-28 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:
As per 15usc 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.

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 2024-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
This creditor XXXX  XXXX has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B credit may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-28 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: GA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : NEW XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Each account has a different date on which it was opened on each Credit Bureau. 
Its also determined during my investigation thats its a violation under the Fair Credit Reporting Act. U can't re-age debt an account. These company ( s ) have provide incorrect errors/information 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 non-monetary relief
Consumer complaint received 2024-11-28 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: GA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Each account has a different date on which it was opened on each Credit Bureau. 
Its also determined during my investigation thats its a violation under the Fair Credit Reporting Act. U can't re-age debt an account. These company ( s ) have provide incorrect errors/information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: GA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Each account has a different date on which it was opened on each Credit Bureau. 
Its also determined during my investigation thats its a violation under the Fair Credit Reporting Act. U can't re-age debt an account. These company ( s ) have provide incorrect errors/information 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
Consumer complaint received 2024-11-28 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 Found fraudulent inquires in my credit report.Please remove that. XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-11-28 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: FL

Complaint narrative:
I noticed some unauthorized inquiries on my credit report earlier today, which came as a complete surprise. Checking the report as usual revealed these discrepancies, and attempts to refresh the browser didnt remove them. I am extremely frustrated and request an immediate review of the documents I sent so I can put this matter behind me.

Company response to consumer: Closed with explanation