vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are in violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates.

Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I spoke with a TransUnion representative who stated that by XXXX  the inaccurate Bankruptcy that TransUnion is reporting would be removed by today XXXX  XX/XX/XXXX. I called today to follow-up because TransUnion continue to report this inaccuracies after being provide proof of the inaccuracies. I was told today that the bankruptcy would not be removed until XXXX. I stated to the agent that that's incorrect and that I was told that this bankruptcy would be removed by today XX/XX/XXXX. I asked to speak to the supervisor and explain to him what was going on and what was told to me on XXXX. The supervisor proceeded to lie and state that the court house verify the information. I can provide a letter that has been provide to TransUnion several times stated that the court does not report to the credit agencies, and because they don't report can you ask TransUnion what court that they are getting this fraudulent information verify with. TransUnion continue to report this bankruptcy of my credit file to damage my credit worthiness and to ruin my reputation. TransUnion is attempting to bully me as a consumer to give up with the dispute process of them reporting inaccurate information. Under the FCRA, I has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. TransUnion continue to state that the court has verified this said bankruptcy. I have attacked a letter from the court stating that they don't report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXXXXXX  I spoke with a TransUnion representative who stated that by Monday the inaccurate Bankruptcy that TransUnion is reporting would be removed by today Monday XX/XX/XXXX. I called today to follow-up because TransUnion continue to report this inaccuracies after being provide proof of the inaccuracies. I was told today that the bankruptcy would not be removed until XXXX. I stated to the agent that that's incorrect and that I was told that this bankruptcy would be removed by today XX/XX/XXXX. I asked to speak to the supervisor and explain to him what was going on and what was told to me on Friday. The supervisor proceeded to lie and state that the court house verify the information. I can provide a letter that has been provide to TransUnion several times stated that the court does not report to the credit agencies, and because they don't report can you ask TransUnion what court that they are getting this fraudulent information verify with. TransUnion continue to report this bankruptcy of my credit file to damage my credit worthiness and to ruin my reputation. TransUnion is attempting to bully me as a consumer to give up with the dispute process of them reporting inaccurate information. Under the FCRA, I has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. TransUnion continue to state that the court has verified this said bankruptcy. I have attacked a letter from the court stating that they don't report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: MD

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit report and noticed that there were a late payment reporting from XXXX XXXX XXXX On XX/XX/ I contacted The issuer they stated all my payments were on time and that it was the reporting agencies reporting in accurate information you have violated the United States code law tila 15 U.s. code 1666 ( b ) billing error as a consumer by law these accounts need to be updated or deleted immediately. Or I will seek monetary compensation for violating my rights in Small claims court in my city and state under 15 usc 1681n. Civil liability because Ive been violated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: FL

Complaint narrative:
I recently checked my credit report and noticed that there were a late payment reporting from XXXX XXXXXXXXXXXX XXXX On XX/XX/ I contacted The issuer they stated all my payments were on time and that it was the reporting agencies reporting in accurate information you have violated the United States code law tila 15 U.s. code 1666 ( b ) billing error as a consumer by law these accounts need to be updated or deleted immediately. Or I will seek monetary compensation for violating my rights in Small claims court in my city and state under 15 usc 1681n. Civil liability because Ive been violated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These accounts were paid off in full. See attached letters. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. Also all of these accounts were paid in full, per all of the attached letters. These accounts should be removed since they were paid off years ago. The credit reporting agencies ' dispute department has failed to correct the inaccurate payment status ( which should state " PAID '' ) and the agency has failed to correct the payment status to " CLOSED : PAID AS AGREED ''. ( XXXX and Transunion ) should not be allowed to post and/or re-post inaccurate information to my credit files, at all, since the inaccuracies are abundant and constant. The following accounts should have a PAID payment status and a PAID account status and nothing should be listed as delinquent. 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 XXXX XXXX XXXX XXXX XXXX XXXX  ). 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. Nor list inaccurate payment histories or false status or comment notes on my credit file. 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These accounts were paid off in full. See attached letters. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. Also all of these accounts were paid in full, per all of the attached letters. These accounts should be removed since they were paid off years ago. The credit reporting agencies ' dispute department has failed to correct the inaccurate payment status ( which should state " PAID '' ) and the agency has failed to correct the payment status to " CLOSED : PAID AS AGREED ''. ( Experian and XXXX ) should not be allowed to post and/or re-post inaccurate information to my credit files, at all, since the inaccuracies are abundant and constant. The following accounts should have a PAID payment status and a PAID account status and nothing should be listed as delinquent. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. Nor list inaccurate payment histories or false status or comment notes on my credit file. 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, are in violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: TN

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: PA

Complaint narrative:
A debt of mine of an amount of {$50.00} was sent to a collections agency called XXXX XXXX XXXX. They mailed me about every week. I sent a check totalling {$50.00} to them properly labeled and written. Over a month went by before they finally cashed my debt and closed my collection account which happened on XX/XX/2023. They finally stopped mailing me on XX/XX/2023. Over a month AFTER my debt had been paid, the date on the letter is XX/XX/2023, a DIFFERENT debt collection agency, PennCredit, mailed me stating that I owed the same amount ( {$50.00} ) to the same company, even though a payment check was cashed over a month prior. After receiving this letter from PennCredit on XX/XX/2023, I waited until the next business day, XX/XX/2023, to contact them. On XX/XX/2023, I called their line and asked how to clear the debt. I was told an email to email ( XXXX ) and given information to provide for them to investigate. After sending an email to that email containing images of the cashed checks ( from my bank ), along with screenshots of the date showing that my debt had been paid, the compliance team emailed me back after less than 6 hours and notified me that " the proof of payment date provided is prior to the service date [ ... ] on file [ which ] is XX/XX/2023 ''. This was a complete lie as all of the attachments I had send them indicated that the check was cashed by the collector on XX/XX/2023. After receiving their reply I emailed back with another screenshot from the collector that showed that all debt had been paid off on the XXXX of XXXX, XXXX. I find the behavior of PennCredit to be shady and very malicious and that their compliance team is completely out of line by lying to me about my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
Someone stole my cash app card on XX/XX/2023, I notified them and reported my card stolen. I disputed the transactions because cash app would not cancel them while they were pending. Cash app immediately denied the disputes four times, told me I am committing fraud and refused to return my money. When you call them they ignore your request and concern and hang up on you. The charges were from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX again in the amount of XXXX. This has been scary for me. I need assistance with getting them to honor my dispute and refunding my money. I have contacted them over 30 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Personal information, social media accounts, email accounts, and all banking accounts that I own have been compromised. I purchased a used unlocked XXXX while overseas working with the Department of Defense in XXXX. Phone had malware already downloaded on the device, unbeknownst to myself until a week ago. 
However, Im more upset that money was being funneled from my Chime account slowly for several months, and this bank did not flag anything as suspicious at all. While Chime is not my primary banking institution- I do check it every once in a while, but not so often. I use it for recurring subscriptions, to send money to my mother, and pay cell phone bills. My income and investments are deposited to my XXXX XXXX XXXX XXXX account. Looking over several statements- one particular merchant has been charging money utilizing my debit card number almost every other day since the purchase of the phone. There are several duplicate transactions that were made, and still no security or fraud alert from this banking institution. Surely charging my account down from thousands of dollars to XXXX dollars every month by the same merchant should raise a red flag. But it did not with XXXX XXXX Chime . I assumed all of my bills on auto pay were simply coming out. Im very convinced that maybe this bank is aware that it can easily be hacked and allows its consumers to be scammed, and not even rectify or reimburse unauthorized charges. And its evident that they can not be counted on to protect consumers from this type of thing happening in the first place. This bank is consistently a target for fraud, at the expense of its consumers. Especially being a XXXX veteran who deposits my XXXX portion of income directly with their bank due to convenience. The convenience has now become an inconvenience. I do not feel safe depositing anymore large sums of money with this institution, and I do not believe a sufficient investigation has occurred or will occur. Its went on for far too long with negligence. 

The merchant used to funnel money is a cash gaming site that allows users to deposit money and withdraw the funds via XXXX. Everything all around s screams scam. I am a victim of identity theft. Ive already filed a police report with XXXX police department, an indenting theft report with the FTC, a complaint with the FDIC, and now a complaint with the CFPB. Because my finances were not protected at all. Nobody cared or ever batted an eye at the clearly suspicious activity! Only when I caught on myself. Then I was asked why didnt I say anything- when I just saw everything. Why didnt my banking institution notice? Why didnt they alert me? Most banks have you to physically call to verify charges that are suspicious. This bank did nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: GA

Complaint narrative:
Equifax failed to inform me of a data breach back in XXXX Now I am able to file a claim to receive compensation for their failed attempt in keeping my information confidential. Ive been making complaints since the beginning of the year to remove my name, previous address, phone numbers, email address, and previous employers off of my credit report because since Equifax was hacked anyone could have gotten my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
THIS THE INFORMATION BELOW FROM MY XXXX ACCOUNT : THEY KEEP CALLING FOR COLLECTION. 

ALLY FINANCIAL Your information may have changed since XX/XX/XXXX Account name ALLY FINANCIAL Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status : Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$26000.00} Highest balance {$0.00} Terms 72 Months On record until XX/XX/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