vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Based on, 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting XXXX XXXX accurate.. This section requires that if an item is disputed, the credit reporting agency must promptly update the item in accordance with the results of its investigation. I request that you conduct a thorough investigation and update or remove the disputed items as necessary. 

15 U.S.C. 1681e ( b ) : This section mandates that a credit reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in the consumers credit report. The information currently reported is inaccurate and, therefore, does not comply with this requirement. 

Pursuant 15 USC 1681 section 602 A states I have the right to privacy.15 U.S.C . 602 ( a ) : This section obligates credit reporting agencies to use their services for the purpose of credit reporting and to maintain reasonable procedures to ensure that their reports are accurate. The inaccurate entries on my credit report indicate a failure to comply with these procedures. 

Pursuant 15 USC 1681 section 604A section 2 : It also states a consumer agency can not furnish accounts without my written instructions I am requesting the original copy of agreement, terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the listed items on the attached document. You are required to do what I am asking and XXXX these transactions from my consumer report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: TX

Complaint narrative:
Subject : Complaint Against [ Credit Bureau Name ] for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Credit Bureau Name ] for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Amount : {$XXXX} XXXX previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX 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 2024-08-10 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: TX

Complaint narrative:
Subject : Complaint Against [ Credit Bureau Name ] for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Credit Bureau Name ] for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$XXXX} I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX 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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account with multiple errors that are not reporting accurately. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information with maximum accuracy. The account in question is showing inaccuracies in payment history for XX/XX/year> & XX/XX/year>. I'm requesting you investigate these errors and update the account. Thank you for your understanding and prompt action in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account with multiple errors that are not reporting accurately. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information with maximum accuracy. The account in question is showing inaccuracies in payment history for XX/XX/year> & XX/XX/year>. I'm requesting you investigate these errors and update the account. Thank you for your understanding and prompt action in advance!

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The account XXXX is reporting a balance of {$XXXX} to the credit bureaus and it was discharged in bankruptcy. According to the chapter bankruptcy law a bankruptcy discharge is granted by the bankruptcy court to release the debtor permanently from personal liability for certain specified types of debts. In other words, the debtor is no longer legally required to pay any debts that are discharged. The debtor will usually automatically receive a discharge, excepting there is litigation inv

olving objections to the discharge. The discharge prohibits the creditors from taking any form of collection action on discharged debts, including legal action and communications with the debtor. If a creditor attempts collection efforts on a discharged debt, the debtor can file a motion with the court, reporting the action and asking that the case be reopened to address the matter. A creditor can be sanctioned by the court for violating the discharge injunction.

I am requesting for Wellsfargo to put the balance at 0 because I am not liable for this debt.

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 2024-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am a victim of identity theft and have attached the FTC report below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery Solutions Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX 2024, I received an email with regard to a {$22000.00} debt owed to XXXX XXXX XXXX XXXX XXXX ( XXXX ) from XXXX XXXX XXXX of Recovery Solutions Group , LLC. 

The response sent to XXXX XXXX XXXX at Recovery Solutions Group , LLC advising them that the dollar amount alleged in the above-entitled matter is being disputed, in its entirety, minus {$2000.00}, which was the dollar amount authorized by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for the small cleanup project. 

In addition, the contract was verbally agreed upon by XXXX XXXX and XXXX XXXX of XXXX to be no more than {$2000.00} total cost during our telephone call on XXXX/XXXX/24. XXXX at XXXX " agreed on {$2000.00} maximum '' and that the contract was just a formality for them to dispatch as an emergency and come out ; even though it was agreed that it was not an emergency. Both, XXXX and XXXX verbally agreed that it was not an emergency, and coerced me to just sign the contract and return it. 

On XX/XX/XXXX2024, a letter was sent via certified mail responding to Recovery Solutions Group , LLC. The letter informed them that I am a senior citizen and feel that I was coerced into signing the contract, as XXXX hustled me to return a signed copy immediately, through a flurry of emails and phone calls. I trusted them to do the right thing. Not only did I not have the allotted time to review the contract, but I also did not have the authority to authorize clean-up services for property above the agreed upon amount of {$2000.00} for a property which I do not own. Affidavits are available upon request. XXXX proceeded with the cleanup but, did not provide a price quote or obtain permission for an amount over {$2000.00}, as agreed. XXXX, XXXX XXXX XXXX gave me the authority for no more than {$2000.00}. 

Furthermore, Recovery Solutions Group , LLC was urged to advise XXXX to resolve and accept the agreed upon amount of {$2000.00}. Also, the correct mailing address for XXXX XXXX XXXX XXXX XXXX XXXX. However, Recovery Solutions Group , LLC never responded the certified letter sent on XX/XX/XXXX2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally state that the account in question is not mine and was created or accessed without my knowledge or consent. I believe that my personal information has been unlawfully used by an unknown individual ( XXXX ) to establish this account, which constitutes identity theft. 

I have never applied for, authorized, or managed this account in any capacity. Any activities, transactions, or communications associated with this account were not conducted by me and should not be attributed to me in any way. 
XXXX : {$4500.00} XXXX  {$860.00} I am actively taking steps to protect my identity and have reported this incident to the relevant authorities. I request that this matter be thoroughly investigated and that all fraudulent activities linked to this account be immediately halted.These accounts have been deleted from my transunion credit report. I recieved a letter from the comapnay stating they would delete the accounts from my credit reports. I have attached proof of the information and letter.

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 2024-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
We have already filled the same complaint with our other account which is under my husband name and this complaint is regarding my account which the similar situation happened and looks like both of our accounts got hacked and the money on the accounts, has been fraudulently transferred out. I had an square account, which was deactivated with a higha balance on it. The email associated with the account is : XXXX XXXX placed a 90 days hold onnthe funds and i was told the money will be available to withdraw after 90 days. The days already passed and in fact its been a month after that 90 days expiration date. I tried to log in to the account to transfer the funds to my bank, but I noticed the entire funds on the account has already been withdrawn and there is no money available on the account. The total balance on the account was approximately XXXX XXXX, but it all has been withdrawn by someone to several different bank accounts with different names. Im not sure how Square allow that to happen. All the funds has been transferred to several bank accounts with different owners. I tried contacting square several times by email and phone, but they are absolutely not helpful and its a large amount of money that currently I dont have access and request to immediately resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
This account was removed off XXXX and my XXXX. Account number XXXX and the balance they said was XXXX. This is not my debt I would like to see Proof of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I went to Conns located on XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. 
I purchase a washer for {$600.00}, with sales man XXXX XXXX. XXXX tried to get me into a credit card for {$3000.00}. I told him " I do not want to be put into a line of credit, I do not want a credit card. I want to do this purchase by the term. '' He told me that was fine, and stated " XXXX XXXX approved you for the Credit Card but we can sign you up for a loan with Conns instead ''. I asked him twice to clarify I was signing up for a loan not a credit card. He said yes. 

Today I am trying to make my first payment and find out I have a credit card with XXXX XXXX  for {$3000.00}. I don't even have a card, card number or even know my interest rate. Conns did not send me or give me any information in regards to my purchase or how to make a payment. I went to the store and informed the manager XXXX XXXX about my situation and told them they needed to fix this because I did not ask for a credit card. She stated " there is not anything we can do to fix this, plus we are going out of business ''. I was very upset with this response. They did not care and took advantage of what information I gave them. When I called another store and asked to speak with a store manager I was told from the agent over the phone. " I can let my manager know but we are all out of a job soon anyways so there is not much we can do for you, call XXXX and ask if they can help you ''. 

I need this to be fixed, I did not approve a credit card under my name for {$3000.00}. I was told I was going to be doing a 12 month loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whome it may concern, XXXX , are In direct violation of 15 usc 1681 ( b ) ( a ) ( 2 ), Permissible Purpose for Consumer Report. I never gave them my written Consent to report credit usage on my file. Please provide a copy of written Consent if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: AL

Complaint narrative:
I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation