vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: LA

Complaint narrative:
I requested the information for the account, because, it was reporting differently across the three major credit agencies ( XXXX, XXXX, and XXXX ). The reply received was that, they could not find any information on the account with the information provided directly from the reports and wanted me to give them all of my current identifying information. I have disputed this with the XXXX ( XXXX ) agencies and it would come off the reports and be put back on XXXX almost immediately and cause a major point difference. None of the information was reporting the same to the agencies, from the current balance, date opened, type of loan and they would put it on the reports with two different company names : " XXXX XXXX XXXX '' and/or " XXXX XXXX XXXX XXXX XXXX 
The account was charged off as bad debt in XXXX XXXX of XXXX with a balance of {$250.00}. The balance is currently {$470.00} that was reported on XXXX XXXX of XXXX. XXXX XXXX XXXX has been increasing the balance on this by {$2.00} or {$3.00} either per month or multiple times per month which damages my worthiness and ability to continues to provide for my family. There was a comment on the experian report before they removed this account stating, " The balance of {$250.00} was charged off and the current balance is {$470.00} ''. 
I have requested disputes from all three ( XXXX ) of the major agencies, however, this account continues to report incorrectly and on XXXX and has been removed from XXXX. 
I have attached one of the credit alerts I received from one of the agencies, while after communications with the credit agency where they changed the balance to what was reporting {$450.00} to {$200.00}, then within a day or two, it the balance was updated to approximately a little over {$450.00} as the new balance. This made my credit worthiness go up a few points, then, when they added the balance back, it plummeted looking as this was new charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: NC

Complaint narrative:
I reviewed my credit report and noticed fraudulent accounts that I did NOT authorize on my credit report and its preventing me from receiving new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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:
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. 

Account XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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:
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. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-12-21 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:
You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for XXXX  non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. XXXX has since removed this account. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the date last active and payment history. ABSOLUTE RESOLUTIONS I has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account 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 non-monetary relief
Consumer complaint received 2023-12-21 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: OH

Complaint narrative:
I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : XXXX XXXX XXXX XXXX XXXX Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation

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 2023-12-21 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: OH

Complaint narrative:
I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : XXXX XXXX XXXX XXXX XXXX Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation

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 2023-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/2023 I submitted a promissory note/application ( s ) and received no fair exchange. As Holder in Due Course of the note I have a right to the line of credit requested. Onemain Financial Holding is illegally trading and selling my security ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/2023 at approximately XXXX XXXX I initiated a payment of {$760.00} to my landlord for XXXX rent. The payment was successfully sent but I noticed that a payment was also sent at that same time of {$760.00} to a user named Cashapp research for XXXX rent. I did not initiate a second payment of {$760.00} to anyone and I immediately took steps to request a refund. Originally the time stamp of the fraudulent transaction was XXXX but has since been changed to XXXX. I was unable to speak with a customer service rep as they were closed for the weekend. Although I could not speak to anyone I knew I could still dispute the charge ; so I initiated a dispute for the transaction on XX/XX/2023. XX/XX/XXXX was a Saturday so I was surprised when I received a response to my dispute on that day, and even more shocked that an investigation could have been completed so quickly. The response I received stated that an investigation had been completed and found that no error had occurred. I have since contacted the company multiple times in an effort to learn the reason behind the decision but I have not received any cooperation. I have also tried to learn who Cashapp research and if it is typical for Cashapp to receive payments from its customers, but I have not received any answers. I have security features on my phone, I am the only person who uses my phone, and my card is in my possession so I am certain no other person could have made this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: MI

Complaint narrative:
on XX/XX/2023 i Wrote transunion about unauthorized placement of accounts on my credit report. 

On XX/XX/2023 Transunion responded with a letter stating i was using an 3rd party company. ( not true ) I typed up the letter myself. 


This complaint is against transunion only.

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 2023-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Informed them of the following. 

Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non verbal per 15 US Code 6802. 

The company has already paid off debt and I have not received the XXXX for the accounting. 

I would like to include security fraud as, As HOLDER IN DUE COURSE of the original contract I, XXXX XXXX XXXX by law are to receive at least 80 % of the interest collecting on the security from the first and second market. 

Fraud fee applies as well {$100000.00} ( see fee schedule )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I mailed a check to XXXX XXXX, Texas for paying taxes. They do not accept any online payment. The check was stolen from the mail, manipulated the payee and amount. The original amount was for {$13.00}. The new amount is {$1900.00}. It appeared on our online statement and we called the same day to report it, which was XX/XX/XXXX. Citibank told us it hasn't been cashed yet, and took the fraud report and told me that the money will be reversed in 24-48 hours. I received a call today, XX/XX/XXXX and was told that Citibank made a mistake and that it had been cashed since yesterday 's report. They transferred me to someone in the XXXX to make a complaint. I can't even file the report for another 24-48 hours if I look online. If I wait for the mail, it's 5 - 7 days. I told them it is clear that the check was manipulated and we filed the report immediately. They said this isn't their fault and the maybe after the investigation I might get my money back in 90 days. 
In addition, my account is frozen, so I do not have access to any of my funds, and it's 4 days before XXXX. 
As a large bank, I feel the burden is on Citibank to ensure that documents are not manipulated before they pay anything out especially since they claim this happens every day. They put the burden on the consumer to prove this was not a payee or amount that I meant to pay.

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 2023-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I paid a collection account in full. The collectionr agency is still reporting a blanced owed. They agreed to remove the collection account with in 3 days of payment. See confirmation where they say I am paid in full, but show I have {$140.00} cents balance and then reporting i owe {$430.00} on all three of my credit reports. Which is it, cause it cant be all three. Their actions are impedeing me from obtaining a place to live. They should have reported it on the XXXX XXXX, 2023 as they report daily. See below Original Creditor : XXXX XXXX XXXX  Creditor Name : Midland Credit Management , Inc . 
Our Reference # : XXXX Creditor Account Ending In : XXXX Account Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, On XX/XX/2023, you made a settlement payment of {$280.00} towards your initial balance of {$720.00}. We are happy to confirm that this payment settles your balance. 

You're all set! 
Note : If you paid with an ACH transfer and the payment gets returned by your bank for insufficient funds ( NSF ), we'll reach out to you again for payment as the payment will still be due. 
Sincerely, XXXX XXXX, XXXX A Professional Debt Recovery Agency This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Here is what is being reported on my credit report : MIDLAND CREDIT MANAGEMENT Last reported XX/XX/2023 {$430.00} Open balance XXXX XXXX XXXX Original creditor. 
They must be fined for false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I recently paid both of my PNC credits card balances off in full. PNC has decided to punish me by stripping away all but barely {$1000.00} credit limit on each card. They took away $ XXXX in credit from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, XXXX, Equifax, and XXXX XXXX XXXX XXXX continue to report inaccurate dates and refuse to comply with 15 usc 1681b. They are reporting transactions between me and XXXX as late when 15 U.S. Code 1681a ( 2 ) ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S. Code 1666b timing of 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. Also XXXX, XXXX, Equifax is reporting different dates on all three consumer reports which is inaccurate reporting. The privacy Act of 1974 states I am within my rights to request your company to correct or amend my records. 5 USC 522a states that no source agency may disclose any record which is contained in a system of records to a recipient agency or no federal agency for a matching program if such source agency has no reason to believe that the requirements to subsection ( p ) or any matching agreement ( o ) or both, are not being met by such recipient agency. My intentions are to seek damages not limited to {$1000.00} per violation according to 15 USC 1681n willful negligence. I am requesting due to your reporting being inaccurate this for this account to be reported as current paid in full never late. I am requesting all inquiries and promotional inquiries to be deleted from my consumer report. I am requesting all comments be deleted from my consumer report. Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: IL

Complaint narrative:
Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX continue to report inaccurate dates and refuse to comply with 15 usc 1681b. They are reporting transactions between me and XXXX as late when 15 U.S. Code 1681a ( 2 ) ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S. Code 1666b timing of 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. Also Experian, XXXX, XXXX is reporting different dates on all three consumer reports which is inaccurate reporting. The privacy Act of 1974 states I am within my rights to request your company to correct or amend my records. 5 USC 522a states that no source agency may disclose any record which is contained in a system of records to a recipient agency or no federal agency for a matching program if such source agency has no reason to believe that the requirements to subsection ( p ) or any matching agreement ( o ) or both, are not being met by such recipient agency. My intentions are to seek damages not limited to {$1000.00} per violation according to 15 USC 1681n willful negligence. I am requesting due to your reporting being inaccurate this for this account to be reported as current paid in full never late. I am requesting all inquiries and promotional inquiries to be deleted from my consumer report. I am requesting all comments be deleted from my consumer report. Thank you for your time and attention to 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 2023-12-21 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: OH

Complaint narrative:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX # XXXX {$420.00} -XXXX XXXX # XXXX {$1000.00} -XXXX XXXX XXXX # XXXX {$2600.00} and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
i sent a dispute to Experian going over some personal information that isnt mine they have yet to respond to the matter and removed this information that is not 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 non-monetary relief