vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Re : Missing On-Time Payment for XXXX XXXX  Account Number : XXXX Dear TransUnion Consumer Solutions XXXX I am writing to formally dispute the incomplete payment history reported for my XXXX XXXX account XXXX Account Number : XXXX ) on my credit report. Specifically, the payment history for XX/XX/2024 is missing the " pays as agreed '' status, which inaccurately reflects my timely payment for that month.

Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and complete information in consumers ' credit reports. Section 611 ( 15 U.S.C. 1681i ) mandates that upon notification of a dispute, you must investigate and correct any inaccuracies or incomplete information. 

I respectfully request that TransUnion update my credit report to accurately include the on-time payment for XX/XX/2024 for my XXXX XXXX account. Ensuring the completeness and accuracy of my credit report is essential for maintaining my creditworthiness. 

Please conduct a thorough investigation and update my credit report accordingly. I expect a resolution within the 30-day period stipulated by the FCRA.

Thank you for your prompt attention to this matter. I look forward to your confirmation that these corrections have been made.

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 2024-06-12 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-12 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: LA

Complaint narrative:
There are unauthorized inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
There is a foreclosure sale for my house delinquent association dues for XXXX XXXX. My husband was XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
I have submitted to my mortgage servicer request to pay association due out of the escrow account. I don't want to lose my home to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX Payments | Goodwill Adjustment for Late Payment Dear Sir/Madam, I hope this letter finds you well. I am writing to request a goodwill adjustment concerning a recent late payment reported by Regional Acceptance Corporation. This is my first goodwill adjustment and this letter is directed both to Regional Acceptance Corporation and to all three major credit bureausExperian, XXXX, and XXXX. 
My name is XXXX XXXX, and my account number with Regional Acceptance Corporation is : XXXX. 

Due to the incorrect communication methods on the account, which resulted in a late payment on my account. 

I want to emphasize that I have since resolved this issue, and my account is now current and in good standing. 
I am currently under contract to purchase my first home, a dream I have been working towards for many years. 

The closing date is scheduled within the next XXXX to XXXX  days, and this recent late payment has significantly impacted my credit score, jeopardizing my ability to secure the mortgage necessary to complete the purchase. 

Starting the week of XX/XX/XXXX, I have made several phone calls to Regional Acceptance Corporation to discuss this matter and request assistance. Despite these efforts, I have not yet been able to resolve this urgent issue. I am reaching out now with a heartfelt request for your understanding and assistance. 
Homeownership has been a lifelong dream, and I am on the verge of achieving it. This dream is not only important to me but also to my family, as it represents stability and a future we can build together. The recent late payment does not reflect my usual payment behavior, as my payment history with Regional Acceptance Corporation has generally been positive. 

Given the current circumstances and my earnest efforts to rectify the situation, I kindly request a goodwill adjustment to remove the late payment notation from my credit report. This adjustment would greatly assist me in securing the mortgage required to close on my home and fulfill this significant milestone in my life. 

Thank you for your time, understanding, and consideration of my request. I sincerely hope that Regional Acceptance Corporation and the credit bureaus can provide the assistance needed to help me achieve my dream of homeownership. 


ATTACHMENTS : Proof of payment Account statements showing current status Contract for home purchase Warm regards, XXXX 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 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
AFFIRM ACCT : XXXX Amount : {$290.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: TX

Complaint narrative:
Unknown Inquiries made on credit report XXXX XXXX made on XX/XX/scrub> XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: 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. 

XXXX XXXX : # XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 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 2024-06-12 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: 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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX : XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 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 2024-06-12 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: RI

Complaint narrative:
Reviewed my consumer reports and noticed that I had two 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 please investigate and provide proof with statements showing that these payments were late. If proof cant 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 explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-06-12 00:00:00
Product: Debt collection — I do not know
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: TX

Complaint narrative:
I have disputed and have requested to have XXXX XXXX XXXX XXXX  removed from my consumer reports with Exquifax, XXXX, and XXXX multiple times. I do not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with 15 USC 1681 stating I never gave written content to furnish my information or obtain my information.

Furthermore, the reporting is reflects inaccurate reporting on account balances stating XXXX, XXXX, XXXX, and XXXX. 

Lastly, the account numbers do not match XXXX This is preventing my family and I from securing a residence. As a XXXX  year retired XXXX XXXX and a Service XXXX XXXX, inaccurate reporting of debt to consumer reporting agencies impacts credit worthiness and negative reports may cause financial distress for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a savings account several years ago. I recently signed on to get statements in XXXX. Did not have a problem and the account was accessed the prior week as I downloaded the statements. In XXXX, I signed back on to withdraw/transfer the funds and close the account. In the middle of this, I needed to reset my password. I called customer service and they said I needed a new ATM card to do that. I ordered the card received it and signed back in. As I was in the process of transferring my funds ( a large amount for a house closing ) they inactivated my account and all of my savings dashboard disappeared online so I could not take any action or access my funds. I called customer service once again and they said they inactivated my account for no activity. I had been in the online account the week previously and it collects interest more than monthly. So now I'm locked out of my account and they tell me to go to a branch to get it fixed. Conveniently there are NO BRANCHES in XXXX and now I need to write a letter to Citibank to ask them to take it off inactive status. I sent an OVERNIGHT letter that cost {$31.00} on XX/XX/XXXX and it was delivered the next day at XXXXXXXX XXXX. I called back again on XX/XX/XXXX and said they still didn't see a letter in the system and that it takes 10 business days after the letter is received to get the account reactivated. I ask for supervisor over supervisor for some personal assistance ( this is a significant amount of money ). In the middle of all this one of these reps opened a new cc account for me when I told her to close the one on my account. I am beyond upset about this and need a way to collect my funds from this bank.

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 2024-06-12 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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 2024-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank XXXX XXXX ( located at XXXXXXXX XXXX XXXXXXXX XXXX ) had a promotion to earn an additional {$100.00} when you open a new Standard Savings account. 

" To quality, you must open a new Bank XXXX checking account. In addition, make {$1000.00} or more in total deposit ( s ) to you new Standard Savings account by XX/XX/XXXX and maintain a balance of {$1000.00} or more through XX/XX/XXXX. '' The promotion code listed on the bottom of the promotion flier is XXXX. 

The account had {$1000.00} for the duration of the period. 

The credit should have been paid within 30 days of XX/XX/XXXX. On about XX/XX/XXXX XXXX ( branch manger ) told ( us ) that the account qualified for payment and that the {$100.00} would be deposited in a few days. On about XX/XX/XXXX, with a second call, XXXX informed ( us ) that it might take a few more weeks. On XX/XX/XXXX XXXX informed us that she sees the request and that the money ( {$100.00} ) should be deposited on the XXXX ( 30 days ). On XX/XX/XXXX XXXX was surprised but unhelpful regarding why the deposit had not been completed. 

On XX/XX/XXXX XXXX at US bank main line claimed to have put in a research request and stated that an email would be sent to ( us ) and the deposit within 3-5 business days. 

On XX/XX/XXXX XXXX was contacted by ( XXXX ) and could not see any annotations on the account about what XXXX claimed he had done. She escalated to a supervisor. No supervisor answered. A message for a call back was left. 

On XX/XX/XXXX XXXX could not see any records of the issue and transferred to a supervisor where another voice message was left. 

At XXXX pm the patience has run out for the SCAM ARTISTS known as US bank. Get them please. Where's the money 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 2024-06-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
In an attempt to trick and deceive the ConsumerFinancial Protection Bureau, Cash App COPIED AND PASTED their last response to close out the complaint. Cash App failed to respond to this complaint regarding the dispute of Fraud. To further their lack of integrity, They COPIED AND PASTED their last response that included an explanation of an ERROR that never took place instead of addressing the FRAUD complaint. A lawsuit will be filed if they fail to investigate fraud. Complaints with CFPB will also continue until Cash App is investigated by the FTC for their actions in assisting with FRAUD. I reported FRAUD to Cash App on multiple occasions. Cashapp recently submitted a response to CFPB on XX/XX/XXXX that contained false information. Cashapp stated they investigated the dispute and concluded that no error occurred. However, as you see from the attachments, they never conducted a dispute. Cashapp attached a form that included a portion of the card number used to commit fraud and stated no error occurred. Cashapp has not once contacted the MERCHANT they claimed removed the funds from the account. In this email attached you can clearly see XXXX stating : Although our investigation determined that no error occurred, we may still be able to dispute your claim directly with the merchant. If you would like to open a new claim with additional information for the investigation, you may create a new case using that by following these steps to initiate the process in-app : Once these steps were completed and a request was made for the dispute to be filed with the MERCHANT, they closed the case. Cashapp has continuously lied to the CFPB about this dispute. Not once did they attempt to contact the MERCHANT about fraud. They claim to have investigated the " error ''. Someone stealing money is NOT an " error ''. They do not have a clue. They do not know how to conduct a FRAUD investigation. I have attached the paperwork from Cash App regarding the dispute I filed. They are calling these forms proof that no error occurred. The forms indicate nothing but the card number that was used in the transaction NOT that the charge was authorized. THEY ARE WELL AWARE that the MERCHANT does NOT exist. The only other plausible conclusion that I can think of is that they have stolen my money and created a fake merchant name. There is no other reason why they would fail to complete the dispute directly with the merchant. There is no logical or legal way that Cashapp can investigate a FRAUD related dispute without reaching out to the MERCHANT. I believe they are lying and stealing money.

Company response to consumer: Closed with explanation