vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: AZ

Complaint narrative:
CREDITOR HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
CREDITOR HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On the XXXX XXXX XXXX XXXX, credit accounts with Dell Financial Services ( dfs.dell.com ) were converted to credit accounts with a bank called : Comenity ( d.comenity.net ). By mid-XXXX, Comenity began reporting XXXX credit accounts to the credit reporting agency : XXXX ( XXXX ). Despite multiple requests with Comenity Customer Service to correct this error ; and, submitting disputes through XXXX directly, Comenity has continued to report XXXX different accounts with different balances to XXXX. This has negatively impacted my credit for approximately XXXX months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Cash App for their failure to apply a promised 5 % discount on XXXX separate transactions made at XXXX, despite following all the necessary steps to qualify for their boost offer.

Details of the Incident : First transaction amount : {$860.00}, completed with the expectation of a 5 % discount, canceled by me to reorder for a lower price on XXXX. 
Second transaction amount : {$820.00}, completed with the expectation of a 5 % discount.

On both occasions, I initiated and concluded the transactions through the Cash App boost feature for XXXX, which explicitly advertised a 5 % discount. However, this discount was not applied to either transaction. Despite reaching out to Cash App support more than XXXX times, they have inaccurately stated that I deactivated the boost, which is not possible given that the XXXX site is only accessible through the boost feature within the app.

Attempts at Resolution : I have provided Cash App with screen-recorded evidence of the entire transaction process, clearly showing that the transactions began and ended within the Cash Apps XXXX XXXX feature. 
Cash App has not only refused to evaluate the transactions but has also removed my missing boost option for resolving such issues within their application.

Impact of the Issue : Financial loss of the promised discount amounting to approximately [ {$41.00} ] on the second transaction.

Significant time spent attempting to resolve the issue without success.

The loss of trust in Cash Apps advertised offers and customer service. 

Resolution Sought : I am seeking a full evaluation of the transactions against the advertised boost offer.

I request the owed 5 % discount to be credited to me accordingly.

I would also like Cash App to review and improve their customer support processes to prevent such issues from occurring in the future.

Enclosed are the screen recordings of the second transaction, a screen recording of the conversation from both the first and second transaction, and any other relevant documentation. I trust that the CFPB will assist in resolving this matter fairly. Cash app should not be allowed to collect my data by having me place an order through their app without fulfilling their end of the bargain. I would not have placed the order through cash app if I was not getting 5 % discount that was and is clearly advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: IL

Complaint narrative:
This is my follow up complaints dated XX/XX/year>. I see that some of the account on my credit report was inaccurate when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00}

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 2024-03-25 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: IL

Complaint narrative:
This is my follow up complaints dated XX/XX/2024. I see that some of the account on my credit report was inaccurate when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: CA

Complaint narrative:
XXXX XXXX, You become my only headache. How many times I can request for deleteion, are you guys XXXX crazy??? you reporting wrong, unauthorized, fraudulent charges and account under my name, delete this account asap. 

Report Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CA

Complaint narrative:
XXXX XXXX, You become my only headache. How many times I can request for deleteion, are you guys XXXX crazy??? you reporting wrong, unauthorized, fraudulent charges and account under my name, delete this account asap. 

Report Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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:
XXXX credit, You become my only headache. How many times I can request for deleteion, are you guys XXXX crazy??? you reporting wrong, unauthorized, fraudulent charges and account under my name, delete this account asap. 

Report XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: CA

Complaint narrative:
Subject : Complaint Against Experian Credit Reporting Agency Regarding Failure to Delete Online Account and Violation of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue I have encountered with Experian credit reporting agency. Despite multiple attempts and requests, Experian has failed to delete my online account with XXXX ID # XXXX, citing supposed identity theft concerns. I have invoked my rights under The California Consumer Privacy Act of 2018, which was further amended in XXXX  to the CPRA, to have my information removed upon request, including online accounts. However, Experian does not provide consumers with the option to delete non-active accounts once they sign up, leaving individuals vulnerable to potential identity theft risks as they are unable to promptly address any malicious activities. 

The inability to physically delete an online profile account exposes consumers to heightened risks and violates the fundamental principles of consumer privacy rights. It is imperative that credit agencies, including Experian, offer consumers the right to opt out and permanently delete any information from their systems, as mandated by the XXXX. The current practice of retaining consumer information against their will is a direct violation of consumer rights and privacy laws. 

I am requesting Experian to take immediate action to delete my online account and permanently erase all associated information ( not just my personal information which was requested via a certified letter and then updated on the online portal which I had asked to be deleted ). This is what got my attention that the request had not been fulfilled. 

Additionally, I urge Experian to establish a clear and accessible method for other consumers to delete their online accounts without facing barriers or feeling restricted by the agency. Consumer rights exist to protect individuals, and any disregard for these rights undermines the trust and integrity of the system put in place for the benefit of consumers. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and ensure that Experian complies with the legal requirements and consumer rights outlined in the XXXX  and other relevant regulations. Your intervention and advocacy in upholding consumer rights are crucial in addressing this issue and safeguarding consumer privacy. 

Thank you for your attention to this matter. I look forward to a prompt and effective resolution to this complaint. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
XX/XX/XXXX move out date from XXXX XXXX XXXX XXXX from our apartment XXXX, after a few days we been charged with no permission ( fraud ) another amount equal for a month of rent XX/XX/XXXX a check was sent to us for the amount of extra month charged, missing our deposit of XXXX XXXX XX/XX/XXXX a email was sent to request information about XXXX XXXX from deposit, after multiple calls ( been blocked from the community, used other phone numbers to reach them where we could not get an answer ) a period a complete silence, because of reading reviews about the community and company, understood that will not get an y of those money XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX, WA XXXX, reaches me out about a owned amount to XXXX XXXX XXXX XXXX of XXXX XXXX XXXX reaching out the XXXX XXXX, being refused to clarify an discuss the situation been directed to discuss with collector company multiple calls back and forward of requesting statements thru emails from collector company, being refused, just calls with no registered discussion been conducting, not being aware of XXXX XXXX of deposit certain point we clarified that there was a deposit of XXXX , witch it was stated that was returned to me. I questioned '' correct me, normally deposits are for cover extra expenses, they are used right after moving out, not sent back right away '' ( trying to indicate there's a mistake, as many other happened before ) and knowing that the deposit never returned I suggested to used that money and sent me the rest over a check, refused XX/XX/XXXX Colector agency reaches me again, sending me an XXXX  of an ''invoice '' generated XX/XX/XXXX by XXXX XXXX , indicating that XXXX XXXX deposit was returned ant that they don't have it on hand anymore ( notice incongruence of dates ), I do understand that there's no transparency no right, I asked to stop sending to me the emails. 

trying reach out XXXX XXXX company for payment clarification, but their websites are down Collector company reported that I own XXXX XXXX witch affected my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal is failing in its legal obligation under the FCBA to investigate my claim of a fraudulent charge on my account. They have a method for opening disputes, but though I have provided clear evidence to support my case, the resolution team clearly will not even read what I have submitted. This is evidenced by their closing the case under a reason that is both false and not at all addressing the cause for my complaint in the first place. I claimed that the merchandise was significantly different than what was advertised. PayPal closed my case under the reason " Buyer received item ''. As you can see, this not only does not address my complaint at all, but is also entirely false, as it is very clear on the seller 's website that the item will not ship until several months later. Clear proof that PayPal is closing cases under false rationale without even bothering to consider them as they are required to do under the FCBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in 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 non-monetary relief
Consumer complaint received 2024-03-25 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX Credit Card XX/XX/year> - I did not approve this inquiry. I never recieved the card. 

Barclays Bank XX/XX/year> - I did not approve this inquiry and the XXXX sales person submitted it 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 explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
CKS Prime Investments , LLC has placed a collection account on my credit reports. I do not owe this debt and CKS Prime Investments has not provided proof of a written agreement where I signed a copy for this debt or any validation information. Also CKS Prime Invesments is not registered in my state of North Carolina with a debt collection permit and not registered in North Carolina to collect.

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 2024-03-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-03-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$130000.00} XXXX XXXXXXXX Balance Owed : {$130000.00} XXXX XXXXXXXX Balance Owed : {$130000.00}

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 2024-03-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been requesting for Experian to fix the issue with my credit score not being updated properly. I feel like Im being forced to spend countless amounts of money just to see my updated credit score. I have no need for the extra stuff that is being offered in these so called offer. I just want to be able to see that my updated credit score and to make sure its increasing. I would also like to make sure that my score is accurate, which is stated in my XXXX XXXX  accounts with my XXXX and XXXX plans. The Experian App and the online website has a notification on my credit account that says my credit has not been updated since XX/XX/2023 and the only way to get the accurate score is by paying for Subscription through Experian.

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