vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, 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 has been sold to a different bank Fed loans and Fed loans has sold it to XXXX Ive called multiple times XXXX XXXX with no respond spoke to multiple agent they everybodys giving me a different answer if I need to speak to a customer service supervisor and theyre telling me I have to wait 24 to 48 hours and I cant get no help theyre reporting on my credit my accounts have a balance and they showed no balance from their side Ive spoken to Equifax theyve said they sent a dispute over trying to buy a house and I cant because theyre reporting the wrong account one of them is open one of them is close one of them has a {$1100.00} the other one has {$640.00} with past due payments over 120 days which is not correct Need help as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
The debt for XXXX XXXX was settled, it is no longer in collections. There should be a XXXX balance reflected in my credit report. The remarks can reflect paid for less than owed if need be. please see attachment for account number and proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hey I received my taxes income check on XX/XX/22. And I also tried to cash it at Regions banks the same day. I gave it to one of the bank tellers XXXX. And she verified my check by going on the website that is on the check. But she wouldn't cash it and never gave me an explanation and was rude when I asked why. But since Regions already verified the check and the 1 time code was already sent out Now I can't cash my check anywhere because the one time code was used by Regions to verify it. If you can please respond quickly I would appreciate it this is going to cause a lot of pain and suffering for my family if I don't get my tax income check.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reached out to Transunion via mail and phone in the last month to dispute a charge off deposit account that is reporting on my credit file. The account is from a credit union And is reporting false payment history. I do not have a charge off account with XXXX. They have confirmed this on the phone and have provided me with a letter that I will attach to this complaint. The credit union states that they are not reporting any such account and that it should not be on my credit file. I provided Transunion with this letter and they have refused to do a proper investigation. If they would have reached out to the credit union the information that I am giving now would have been confirmed and the item would have been deleted. Transunion is negatively impacting my credit score by reporting inaccurate information. This account is being reported as a charge of and subsequent payment in XXXX and XXXX of 2022 to the credit union as well which is also false and never happened. It can be confirmed by the credit union.

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 2022-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Business Services, Inc.
State: TX

Complaint narrative:
Got in a car accident XX/XX/XXXX which resulted in taking the XXXX vehicle to the hospital Fast forwarding to XX/XX/XXXX the amount was paid by the settlement for the amount of {$670.00} which can be attached to this complaint. The amount was removed from one of the three bureaus but not the others.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB + TransUnion, On my XX/XX/2022 credit report you have a wrong address for me- please have this removed. 

attached to this complaint are : - drivers license - social security card - address - complaint - screen shot where it is located Please remove my wrong address as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
This account was settled. Please see attached document. Please change the amount owed to XXXX. I have given and asked for the bureaus to update this and they have not.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. This charge-off is past the statute of limitations in my state of California for them to legally collect from me. Since they can not legally collect from me, having a past-due balance is inaccurate and illegally reporting since charge-offs can not have a past-due balance XXXX Account Number : XXXX Remove this inaccurate charge-off. I am pursuing litigation against them as they are reporting inaccurate information. 

2. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly.You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) 3. This account is inaccurate because the repossession agency never sent me a notice within 48 hours after they seized the vehicle. They never listed my personal belongings. I can pursue litigation for the amounts they charged for the repossession under California law. 
XXXX XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer 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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite two written requests, I still have unverified items listed on my credit report in violation of Federal Law. CRAs are required under the FCRA to have properly verified that an account listed on my credit file is mine by having a copy of the original credit application on file. In the results of the first investigation and subsequent reinvestigation, CRAs stated in writing that they verified that these items are being reported correctly. 

I have NOT been provided : * The name of the person who verified these accounts are mine? 
* How did they verify them? 
* The name of the individual, business address, and telephone number of the person or *business contacted during the re-investigation. 
* Copy of ANY original documentation ( credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ). 
* Method of verification as required under Section 611 ( a ) ( 7 ).

Under Section 611 ( 5 ) ( A ) of the FCRA-CRAs are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite two written requests, I still have unverified items listed on my credit report in violation of Federal Law. CRAs are required under the FCRA to have properly verified that an account listed on my credit file is mine by having a copy of the original credit application on file. In the results of the first investigation and subsequent reinvestigation, CRAs stated in writing that they verified that these items are being reported correctly. 

I have NOT been provided : * The name of the person who verified these accounts are mine? 
* How did they verify them? 
* The name of the individual, business address, and telephone number of the person or *business contacted during the re-investigation. 
* Copy of ANY original documentation ( credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ).

* Method of verification as required under Section 611 ( a ) ( 7 ).

Under Section 611 ( 5 ) ( A ) of the FCRA-CRAs are required to promptly DELETE all information which can not be verified.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against RentDebt Automated Collection for committing identity theft. I have never given RentDebt Automated Collection any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692 ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RentDebt Automated Collection can provide me with sufficient documentary evidence that I have legal obligation to pay them. If this documentary evidence can not produced and RentDebt Automated Collection continues its collection efforts, I will file litigation for actual damages caused and RentDebt Automated Collection will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed a charge off account with a credit union with Experian on 3 separate occasions with the backing of the credit union and the account still hasnt been removed. The account is being reported as a charge off that happened in XX/XX/XXXX with a payment made in XX/XX/XXXX. The problem is neither of these things ever happened. This account has been reporting on my account for at least 5 years. 

The credit union supplied me with a letter that was sent to Experian via mail that says that they are not reporting a charge off account in my name. They have informed me that it must be being updated by a third party. They also assured me that if they were contacted they would let Experian know that the account should not be on my credit file. They have supplied me with a letter that I will attach to this complaint. Experian has failed to look at the supporting document and reach out to the creditor for verification.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2022 I applied on the navy Federal Application due to a promotion and was denied credit.

It is in violation of and should be monentary compensated 15 U.S.C. 1691 ( a ) ( a ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program.

I am the creditor 15 U.S.C. 1691a ( e ) ( e ) The term " creditor '' means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I sent {$100.00} to the wrong recipient using Cash App on XX/XX/22. I followed the instructions in the app to dispute the transaction and request a refund and the other party simply hasnt responded. CashApp makes no efforts to investigate or resolve disputes like this. In fact, even after contacting support they declined to call or text or send an email to the recipient asking for them to verify the error or acknowledge or process the refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

1. I was never 30 days late on this account and always paid on time. This is reporting inaccurately XXXX XXXX XXXX XXXX XXXX  Update the payment status to paid as agreed They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer 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 2022-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, Wells Fargo alerted me of a returned check that I had not seen/known of. As of XX/XX/XXXX XXXXXXXX XXXX i had $ XXXX in my savings, and a little over {$400.00}. I woke up to being in the negative, $ XXXX under. I called and put in a claim to the department, from the information they gave me I reviewed my history. According to the history, there had been deposits and withdrawals that needed no approval ( 7 months prior ), unaware to my knowledge. The claims department said an investigation will be done, and to send any other claims of fraud in. The check submitted in the picture is the one in question, and not from the company I work for. My account is still in the negative, provisions were not accommodated. I do not have checks, i do not use checks, Wells Fargo should know that as I have banked with them for almost a decade ; I have never used checks

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For TransUnion and XXXX, they state serious delinquency on accounts but have been up to date on payments for many years

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX **** and XXXX XXXX XXXX XXXX XXXX have 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.

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