vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
A proper investigation was not done on this account. Delete this account XXXX  XXXX NEBR Child Support XXXX  because missing date of first delinquency which is FCRA required. After a reinvestigation Equifax confirmation XXXX XXXXstatement said this creditor has verified that the date is being reported correctly. 
Additional information has been provided from the original source regarding this item. So, I called and asked them how could you verify a blank or missing date of first delinquency? The representative confirmed that it wast missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
1 XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX Acct # XXXX In Accordance with the Fair Credit Reporting Act XXXX Accounts 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: CA

Complaint narrative:
I called Direct Express to order a card. 

On hold over 3 hours and an agent answered. I said a needed a card. She said she needed to transfer me to another agent. Hours more on hold and no answer. It's been going on for days. 

Can, should I even trust them?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX has falsely reported debt, false dates and false statements/signatures since XXXX  on 3 of my credit reporting agencies. I closed the account with a XXXX balance after only 6 months in XXXX  they told me Id still receive a {$35.00} fee for anual charges, I disagreed to pay that because it was charged already in the beginning as they all do that, plus I didnt have the card pass 6 months! They now want {$680.00} from {$35.00}? They only gave me {$150.00} limit which I paid in full!! Its been a 13 year nightmare with them! They continue to call and harass family & myself under scam or unknown numbers so they dont get caught!! I paid XXXXXXXX XXXX twice to remove them and they did, only to have XXXX XXXX XXXX falsely report again with new dates and new balances! This is 13 years of harassment and lost money on high interest due to false reports!! Paying attorney fees! Hold them accountable! Theres no debt, never was!!!

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  has falsely reported debt, false dates and false statements/signatures since XXXX on 3 of my credit reporting agencies. I closed the account with a XXXX balance after only 6 months in XXXX  they told me Id still receive a {$35.00} fee for anual charges, I disagreed to pay that because it was charged already in the beginning as they all do that, plus I didnt have the card pass 6 months! They now want {$680.00} from {$35.00}? They only gave me {$150.00} limit which I paid in full!! Its been a 13 year nightmare with them! They continue to call and harass family & myself under scam or unknown numbers so they dont get caught!! I paid XXXX XXXX  twice to remove them and they did, only to have XXXX XXXX XXXX falsely report again with new dates and new balances! This is 13 years of harassment and lost money on high interest due to false reports!! Paying attorney fees! Hold them accountable! Theres no debt, never was!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
XXXX XXXX XXXX  has falsely reported debt, false dates and false statements/signatures since XXXX  on 3 of my credit reporting agencies. I closed the account with a XXXX balance after only 6 months in XXXX  they told me Id still receive a {$35.00} fee for anual charges, I disagreed to pay that because it was charged already in the beginning as they all do that, plus I didnt have the card pass 6 months! They now want {$680.00} from {$35.00}? They only gave me {$150.00} limit which I paid in full!! Its been a 13 year nightmare with them! They continue to call and harass family & myself under scam or unknown numbers so they dont get caught!! I paid XXXXXXXX XXXX twice to remove them and they did, only to have XXXX XXXX XXXX  falsely report again with new dates and new balances! This is 13 years of harassment and lost money on high interest due to false reports!! Paying attorney fees! Hold them accountable! Theres no debt, never was!!!

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 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I used Cashapp with no issues for quite some time. on XX/XX/XXXX, I accidentally requested a refund of funds I paid someone using cashapp in the amount of {$300.00}. It must have happened with Cashapp open on my phone in my pocket. Cashapp removed the funds from their account but did not return the funds to me. I still had to repay those funds to the person whose account it was removed from, without question. Currenlty, it says " pending, will refund by XX/XX/XXXX. Cashapp closed my account within one day of the transaction. When I contacted Cashapp, multiple times, one agent said that if they cance your account while money is in the transfer process, it suspends the transfer. This is a known issue according to the agent. They refused to give a reason why my account was closed.This was recorded and can be pulled from Cashapp customer service. They then escalated me to a supervisor who refused to help in any way and would only refer me to the bank the deposit was being sent to. He could not have been more rude or unhelpful. I can forward the email thread, if they like.The bank, who I have used since XXXX, has no knowdlege of any pending payments. As of right now, Cashapp has {$300.00} of my money, which is a lot to the average person to just have stolen from them by a company and told where to go. They knew it was going to happen and that they could keep the {$300.00}. They do it all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2XXXX XXXX accidentally charged my credit card ending in ( XXXX ) {$2000.00}. I'm saying it is a mistake, the vendor is saying its a mistake, but the vendor is unable to undo the charge on their end for the full amount. 

Bank of America has had this for 3 months, ( REF # XXXX ) has not refunded my money up front which they have done in the past ), and still have not processed this. 

I want this corrected immediately.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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: WV

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 {$0.00} Account # XXXX Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX  {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These negative items are affecting my credit report badly and is hindering me from exploring future credit opportunities. Please delete or remove these items on my behalf. 
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.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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: WV

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 {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These negative items are affecting my credit report badly and is hindering me from exploring future credit opportunities. Please delete or remove these items on my behalf. 
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.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXXXXXX 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.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was applying for a loan to buy a car and the company contacted equifax for my credit rating. I was unable to buy the car because of problems on my equifax report but I did not know at the time that Equifax had refused to " accept your obligation if the transaction was completed. '' I did not notice this until I received a report from XXXX XXXX. I was shocked to find in the report " Too few accounts currently paid as agreed. '' The latter baffled me because I have consistently paid my credit card bills on time, and for the most part I pay off my balances monthly and my credit score on their report was XXXX. 

I called Equifax to try to get more information and was told that " too few accounts currently paid as agreed '' no longer showed up on my credit report. The person I spoke advised that I could pay {$20.00}. per month to get credit reports so I could monitor and respond regularly to my credit report. I declined the opportunity to pay the credit agency to make my reports accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: TX

Complaint narrative:
The organization called twice in one day. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from placing repeated or continuous telephone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, one of the three major credit reporting agencies. Despite multiple attempts on my part to resolve a serious issue involving a fraudulent account on my credit report, Experian has failed to address my concerns adequately and in compliance with federal consumer protection laws. 

On XX/XX/XXXX of this year, I notified all three credit bureaus, including Experian, of an account fraudulently opened under my name. I filed a formal report with the Federal Trade Commission ( FTC ) to back up my claim and requested the removal of this account from my credit report. 

XXXX and XXXX promptly deleted the fraudulent account from my credit reports. However, Experian responded by stating that the account was " verified ''. I followed up with a second letter to Experian, detailing my dispute and requesting proper investigation into this matter. 

In response, I received an automated email from Experian stating that no action will be taken, as they believed the dispute to have been filed by a " third party ''. I affirm that this is not the case, and I am personally seeking the correction of my credit report. 

Therefore, I am seeking your assistance in requiring Experian to : Conduct a thorough and proper investigation into my dispute, as mandated by the Fair Credit Reporting Act ( FCRA ). 
Remove the fraudulent account from my credit report, as already done by XXXX and XXXX. 
Remove any address associated with my credit report other than my current address, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Provide financial relief for their failure to investigate properly and comply with the FCRA and related consumer protection laws. 
Experian 's lack of proper response and their failure to conduct a thorough investigation as required by law has caused me significant financial and emotional distress. I am hopeful that the intervention of the CFPB can lead to an expedited resolution of this matter. 

I appreciate your prompt attention to this issue and look forward to your response.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
The dates i started to write down are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( there were several more contact attempts/disputes that i deleted from XXXX ). XXXX is reporting an incorrect balance on 4 student loans that have {$0.00} balances. I've called XXXX, I've submitted online disputes, as well as submitted a copy of the last statement showing the accounts are paid ( {$0.00} balance ). XXXX has not done their job in verification of the information as they continue to show the wrong balances on the accounts. I've spoken with representatives and was lied to by the last rep who said the info was verified with the company Nelnet. I've called nelnet and they confirmed the account has a {$0.00} balance. XXXX is reporting I owe the following : {$5300.00}, {$7200.00}, {$5300.00}, and {$7400.00}. All incorrect! 

I've spoken with representatives and written emails to correct with Nelnet on XXXX XXXX XXXX XXXX The representatives ensured that the issue would be corrected on their end, yet its still showing up on my credit report and causing issues with me purchasing a car as well as a house. Please correct this incorrect information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CA

Complaint narrative:
This debt collection agency is negative reporting on my credit report that I opened an account XXXX in XXXX  and owes a balance of {$780.00}. I never opened this account. Ive submitted disputes regarding the accuracy, dollar amount, authentication and the account not being open as reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

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 XXXX XXXX XXXX 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 602A states i have the right to privacy 15 U.S.C 1681 section 602A section 2. it also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

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 XXXX XXXX XXXX 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 602A states i have the right to privacy 15 U.S.C 1681 section 602A section 2. it also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with non-monetary relief