vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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:
I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions. 

The inaccurate account entry is as follows : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX self XXXX. XXXX  The reporting of these accounts have held my life back for 2 years now. I am not being approved for anything by lenders, I can not expand my finances or even find a nice place to live all while being a single parent. The effects these accounts are having on my life are becoming more, and more detrimental.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions. 

The inaccurate account entry is as follows : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX  The reporting of these accounts have held my life back for 2 years now. I am not being approved for anything by lenders, I can not expand my finances or even find a nice place to live all while being a single parent. The effects these accounts are having on my life are becoming more, and more detrimental.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: CO

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX and spoke with XXXX regarding XXXX paid student loans listed on my Equifax credit report. These loans are marked as XXXX, XXXX & XXXX  days past due for XXXX, XXXX and XX/XX/XXXX, totaling XXXX late payments on my credit report, significantly impacting my credit score. 

During my conversation with XXXX, I inquired about when these late payments would be removed from my report. She initially informed me that they would fall off in XXXX, as XXXX reported them to the credit bureau in XXXX. However, upon speaking with a supervisor, I was informed that the late payments would actually be removed in XXXX, XXXX, and XX/XX/XXXX, which is XXXX  years from the original delinquency date. 

The supervisor also stated that despite the late payments being removed in XXXX, the actual loans will not be removed from my credit report until XXXX. This discrepancy arises because XXXX is reporting them as current, in good standing, and paid as agreed. 

As a single mother and school teacher, these derogatory marks on my credit report continue to significantly impact my ability to move forward financially. Despite missing only XXXX payments in XXXX due to a XXXX, these paid loans continue to affect my life and overall well-being. 

I am actively seeking resolution to this issue and appreciate any assistance you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX  XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: GA

Complaint narrative:
Prepaid visa gift card registration website is inaccessible. Telephone line automated and does not give the option to register only check balance or replace.

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 2024-04-19 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2024-04-19 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: IL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-19 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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am writing in concerns with a fradualent charge totaling to the amount of XXXX XXXX My name is XXXX XXXX and I am a XXXX XXXX from XXXXXXXX XXXX that works at XXXX XXXX # XXXX, who since the benefits, decided to bank with XXXX  who is in relation with XXXX XXXXXXXX XXXX. On XX/XX/XXXX XXXX XXXX $ dollars was added from my bank card which was linked to my Cashapp and was used to buy XXXX at XXXX and then transferred out my account. On the same day XX/XX/XXXX XXXX another transfer of XXXX $ was transferred from my account to my cashapp to do the same process. Then on XX/XX/XXXX XXXX XXXX $ was then added to cashapp and bought XXXX  to be transferred out in the same fashion. When I realized what happened I immediately contacted cashapp to dispute firstly through the app which is the most frustrating thing ever. Then I decided to just call, the representative was unable to understand my claim due to a language barrier and told me to wait for an email to be updated on the issue. I was unable to provide any details or screenshots and they denied me the next day. I asked for documentation and they told me they could no longer do anything which I tried reopening the case and to no avail receiving the same automated response of denial. At this point I seen forums saying to reach out to their actual bank in this situation due to cashapp being the worst in disputes. So I called XXXX over the phone to file a fraud dispute claim then I was told I will be updated through email on updates on the claim. On the phone the representative told me, The provisional credit would have been issued on XX/XX/XXXX, and I asked for confirmation multiple times and he said yes. I was very concerned and wanted more help due to the amount taken from me but the XXXX agent rest assured I will be okay. Then days later I had no update, so I then called to see a status and through email I was told my provisional credit would be issued on XX/XX/XXXX and no additional documents were needed. I asked constantly if they needed anything whatsoever they said rest assured nothing else is needed. More time passed I asked on an update and the representative XXXX XXXX he stated, As informed earlier in the previous message, your provisional credit is going to be on XX/XX/XXXX which is XXXX business days. Best in this manner seemed to come off as rude saying again it will be on XX/XX/XXXX then XXXX days before the date I was denied the credit in panic I emailed XXXX and texted the XXXX support chat to get more clarification more evidence to see the problem but still I have yet got a resolution I was banking on this money at this time for bills. After countless attempts I didnt know who else to turn to. Now Im in a state of limbo for basically all my savings for charges I havent authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Early Warning Services, LLC
State: AZ

Complaint narrative:
In 2019, My brother stole my wallet and personal identifiers. He used my PIN number ( which he found by looking over my shoulder when I visited an ATM ) and deposited fake checks into my bank accounts and maxed out my credit cards and fled to XXXX XXXX XXXX, Utah. He is a XXXX XXXX 

Subsequently, my checking account at XXXX XXXX XXXXXXXX become overdrawn and closed after the check returned. When I was notified, I informed XXXX XXXX XXXX  of the fraud. From the time in XXXX of 2019 until current, XXXX XXXX XXXXXXXX, despite being notified several different times and by several avenues has done nothing. 

No investigation was completed, no reversal of the check and no phone calls were ever returned. The negative item was reported to Early Warning Services. 

This company is a credit reporting agency that reports to other banks on negative activity. I have had bank account applications denied because of this negative information that was a result of identity theft. 

Moreover, XXXX XXXX  XXXX reversed ever block I attempt to place on the negative information that is reported, further compounding that they turn a blind eye to victims of identity theft and attempt to make them pay. 

I would like XXXX XXXX XXXXXXXX to investigate the identity theft, reverse the negative information appearing on this bank account and remove the negative file form Early Warning Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
I contacted LexisNexis to dispute the inaccuracy and errors of XXXX Bankruptcies present on my credit reports. I first contacted the local Bankruptcy court to understand how XXXX bankruptcies were reported on public record when I did not complete a bankruptcy. There are XXXX bankruptcy months apart which is not feasible in bankruptcy court laws which is a direct indication of error and inaccuracy and clear violation of 15 USC 1681. I was informed by the court that they did not report any information to the credit bureaus. So I am confused as to how LexisNexis was allowed without permission from the court or anymore to report this erroneous and inaccurate information. Years ago, I inquired and considered filing. I went to one attorney for information and understanding of the process. He was never retained and my guess is that he must have started a file with the bankruptcy court. Months later, I did another inquiry with Attorney XXXX XXXX but the bankruptcy was withdrawn and never completed. I threatened to seek legal redress with the bankruptcy for reporting inaccurate and erroneous information but again they said they do not have a completed bankruptcy on file for me. I question how this happened to LexisNexis and they are standing by their bankruptcy records as accurate. One of the parties are to blame and I do not believe that its the Bankruptcy court as they are adamant that they reported no information to Lexis Nexis or any other credit bureau. I need these bankruptcies removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
i have sent in numerous certified mail asking to remove these collections and inquires off my account that i dont recognize and also is inaccurate. they fail to provide any proof that the companies has consent to furnish my private information. nor did they provide me with any details of the reinvestigation of this account.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
Failure to validate information reported on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX I was approved for an extension on a balance of XXXX $ the representative from CitiBank approved me and informed me I had until XX/XX/XXXX to submit this payment so I agreed to payoff this balance before the deadline. On XX/XX/XXXX I call to submit my total payment and I am now notified of additional interest accrueled over XXXX and a late fee charge. Therefore although I would comply by submitting the total payment agreed in XXXX to the extension approved I would now be owing a balance of XXXX $ in interest accrueled in XXXX. Multiple Reps over different calls failed to notify me about additional interest and late fee charges when I was approved for the extension and also confirmed me a different balance on my account over a recorded line than what they instructed me yesterday. When trying to get ahold of a specialist one of the reps told me I had to submit payment first and then they would be able to transfer me. I felt like I was taken advantage and victim of misleading information since I was approved and confirmed an initial balance from differen reps over the month of XXXX and XXXX but when I called in XXXX I was not faced with the same information and I am now having to pay an additional XXXX $ on my account after submitting total payment for what was agreed in 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 monetary relief
Consumer complaint received 2024-04-19 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: AZ

Complaint narrative:
Experian is reporting a fraudulent account from XXXX XXXX on my credit report. On XX/XX/2024, I demanded validation of this debt, made according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, 15 U.S.C. 1681g, 1692g Sec. 809 ( XXXX ) ( FDCPA ), along with the corresponding federal, state, and state laws. 

Experian did not conduct a proper investigation or thoroughly validate the information provided by XXXX. They only responded that it was a valid debt. This is impossible as this account was not opened by me or authorized by me to be opened. 

On XX/XX/2024, I sent a method of verification letter to Experian per the FCRA section 611 and demanded items to validate the debt. XXXX provided no validation and or proof that this debt is mine.

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 2024-04-19 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Cascade CISS Holdings, LLC
State: MO

Complaint narrative:
I have XXXX XXXX Inquiries that I know nothing about and need to be removed. I believe that they did this without my knowledge. 

Credit Plus XX/XX/2022 XX/XX/2022

Company response to consumer: Closed with explanation