vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: IL

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 2024-09-11 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
One more and last attempt before I will be forced to sue Transunion. So, in my credit report there is a collection agency by the name of XXXXXXXX XXXX XXXX who are trying to collect a debt from me for renting an apartment in XXXX at an address where I have never lived and never rented. As evidence, the collection agency only has a handwritten contract without a SSN or some kind of ID they has only some immigration form ( all this evidence has no legal force, which was confirmed by the Arizona XXXX Attorney ). All credit bureaus have deleted and blocked this entry, since the collection agency can not legally confirm this debt, only Transunion for some reason was able to verify this debt, although before that it had deleted it three times citing the impossibility of confirming it. So, this is the last attempt that I am giving Transunion to remove a knowingly false entry in my credit report, the collection agency has no evidence that this debt belongs to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: AZ

Complaint narrative:
To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting SYNCB/SCORER Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 

6. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXXXXXX Account Number : XXXX Update to Open/Never late 8. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Update to Open/Never late 9. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 

10. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2024, I received a fraudulent debit card from CashApp. I did not authorize or set up this account, so I immediately called CashApp and reported it as Identity Theft. The CashApp employees I spoke with repeatedly hung up on me and did not take this issue seriously. The first woman I connected with actually made me think that CashApp was a fraudulent company itself because she was so unprofessional, rude, and terse. Finally, someone from CashApp emailed me a link where I uploaded photos of the front and back of the debit card I received, telling me they needed this info to close the account. 

I continued to try to contact CashApp for confirmation that the account had been closed as no one from CashApp reached out to me with this confirmation. 

On XX/XX/, I called and spoke with 3 different people who all hung up on me. I spoke with " XXXX '' who gave me the runaround and then submitted another complaint to the fraud department. He kept misunderstanding and misstating information I'd given him ( it almost seemed like he was doing it on purpose to frustrate or confuse me ). He gave me no information of value and wasn't able to tell me any updates about the account. He refused to transfer me to a supervisor or the Fraud Dept. He wouldn't listen to my concerns or needs and then hung up on me. 

On XX/XX/2024, I spoke with " XXXX '' who was unable to provide any information and wasn't able to confirm the account had been closed. She hung up on me. I called back and spoke with " XXXX  '' who also treated me poorly and refused to send me to a supervisor when requested. He repeatedly spoke over me, ignored my requests, and proceeded to hang up on me while I begged him to not hang up. 

The CashApp employees I have spoken to have all been uninformed, unhelpful, rude, hard to understand, unprofessional, and haven't been able to give me any useful or relevant information. It is as if none of the employees were informed about proper procedures or protocols and were taught to disregard all customer complaints. It feels like this issue is never going to get resolved as it has been a month since I reported this fraud and no one has done anything about it. It is actually shocking this company is allowed to operate. I am so annoyed and disappointed in this behavior, treatment, and ongoing incident. This should have never happened, and at the very least, once it did happen, it should have been something that was easier to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: OR

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2024-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/year> CFPB Case 3 Follow up to Case # XXXX American Express Collections has not complied with CFPBs order to cease and desist. I received this email from XXXX on XX/XX/year>. 

This latest email must be on programmed auto send function. They need to remove my case and email from all its systems and databases since the preprogrammed codes will auto-send again. Please see attached PDF for sender 's information. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: OH

Complaint narrative:
I have been trying to remove credit inquiries for over a year now, Equifax is not fulfilling its obligations. Equifax 's initial decision was to remove credit inquiries from my report, but they were not removed later, citing the fact that I allegedly did not fill out the complaint on the CFPB website, which is already questionable. Then I complained to the Arizona State Attorney, to which Equifax responded that they allegedly did not provide my identifying documents, which is an outright lie, Equifax had all the documents that were necessary. Equifax then referred to the fact that credit inquiries should only be removed through creditors. When creditors sent deletion requests to Equifax, these requests were rejected, which I have confirmation of, for example, the XXXX XXXX  sent a deletion request and Equifax refused to delete. Everything that is happening is a complete violation of my rights and laws, I demand that all credit inquiries that are fraudulent be immediately removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My identity was stolen and, as a part of that, a 3rd party tried to do a mobile deposit for a check that I had already deposited and had been rightfully credited to my PNC personal checking. 

She first tried to mobile deposit the check to PNC and it failed. She then tried to cash the check via XXXX XXXX. Evidently, the plan was to deposit the check into one of my accounts, and then XXXX the full amount of the deposit to her account. XXXX credited the account, HOWEVER, they immediately reversed the deposit and debited my account at XXXX for the exact same amount of the attempted deposit. No harm no foul. 

Unfortunately, HOWEVER, PNC BANK did a debit memo on my account and my account now has a negative balance. 

I have attended to contact PNC number numerous times and they have no answer. 

This is a simple matter. If the check was NOT DRAWN ON PNC AND THEREFORE NOT PAID BY PNC, WHAT PNC DOING BY DOING A DEBIT MEMO AGAINST MY ACCOUNT??!! 

I have actual PROOF that the check NEVER cleared the banking system a SECOD TIME, yet PNC still hasnt reversed the debit memo. Its ridiculous and bad behavior by a bank against a consumer that the CFPB was DESIGNED TO PREVENT. 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: NJ

Complaint narrative:
I have several inquiries that I did not authorize. These inquiries are due to Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: TX

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 2024-09-11 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: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Stop ignoring me. I have been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX XXXX, we called Bank of America about the amount left on the credit card after transferring {$90000.00} to another card. The amount remaining was {$470.00}. Our question was by what date does the balance have to be paid to avoid any more interest on the account? We were told interest would accrue on XX/XX/XXXX, so it must be paid before that date. 
The full amount was paid on XX/XX/XXXX and the account showed a {$0.00} balance. On XX/XX/XXXX we received via email a new bill for that credit card for {$110.00}. 
On XX/XX/XXXX, we called Bank of America, to ask why we were charged the interest. We were told the {$470.00} payment went through on XX/XX/XXXX paying off the account in full. On XX/XX/XXXX, interest accrued and was charged to the account. 
We asked for a refund or reversal of the interest since there was not a balance when it was levied. The customer service rep, submitted the request. After waiting over XXXX minutes she came back on the line to tell us the request was denied because there was no bank error. We asked to speak to a supervisor and were told there was nothing we could do but pay the bill, there was no way to dispute the decision because it was done by the system. We are writing to dispute this charge we did what we were told to do by the bank to avoid the interest and were still charged interest on a {$0.00} balance. We want the charge reversed, with no hit to our credit.

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 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently analyzed my credit report and uncovered several accounts that appear to be fraudulent and were added without my consent.

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