vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: NC

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 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-07 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: FL

Complaint narrative:
I was reviewing my credit report and saw that a number of late payments that I do not recognize appeared on my credit report and are negatively affecting my personal credit. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 XXXX These are the marks that I wish to be removed and updated as payment on time

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 2024-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX my boyfriend sent me {$1300.00} through Zelle for me to go to my bank and get a cashiers check. On XX/XX/XXXX XXXX XXXX hit, we were affected, as was my bank who is based out of XXXX, NC. I was unaware that the systems were down with my bank, XXXX XXXX XXXX XXXX, I visited a local branch on Monday, XX/XX/XXXX, that is when I was told the systems were down. The money was never received into my account. On my boyfriends accountXXXX XXXX XXXX XXXXXXXX, the payment was processed. In my Zelle app it states I received the payment. In my boyfriends Zelle app it states the payment was processed. On XX/XX/year>, we tested a {$1.00} transaction with Zelle, the payment was processed and arrived in my account. On XX/XX/year> I spoke to Zelle. They informed me that he needed to speak with XXXX XXXX XXXXXXXX and file a dispute. He went into a local branch and they informed him that he needed to contact Zelle. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is in limbo, our rent money, and nothing is being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: AZ

Complaint narrative:
To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EVERY MONING, UPOON SEEING THESE FRAUD ACCOUNTS MAKE ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Upon checking my TD business account on the morning of XXXX the app stated that the " I do not have any accounts to display ''. After calling the number and not getting any response I went to a local branch to discuss the matter.

I was not given any information about the account except for the fact that Corporate has decided to close it and I would be receiving a letter stating their explanation. As for my funds, I could not retrieve it without the said letter.

Feeling hopeless I needed to make sure my checks were either cancelled or cleared could not even access my statements as it was no longer recognized by TD bank. So I had to ask the teller for a copy of my statement. 

It was not until later on that the letter was sent over to my business partner 's house ( not the actual place of business ). We scrambled to try to retrieve the funds so we can open a new business account elsewhere. But all this taking a whole day ordeal left us stranded. We were only able to do so the following day, and even so with push back. 

The letter stated that they would no longer support our business and that they have decided to close the account on XXXX and to no cut any checks past XX/XX/year>. This letter was dated on XXXX! 

Throughout the course of the day, my other business partners who have personal and business accounts with TD all shared the same experience. There is still no communication as to why they did what they did till this day. Even now we are in the midst of finalizing our business account elsewhere. 

This whole experience left me puzzled, upset and confused. Never again will I be using TD bank for any of my financial needs and have vowed to spread the word of its negative practices to it's customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs USA intentionally blocks access to the GM Rewards Card payment and website from outside the US ( see attached screenshot ). They do this despite offering a XXXX percent foreign transaction fee which otherwise induces foreign travelers to use their card. It's not good to then block their ability to pay and access the account from foreign countries. I called the Resolution center today and logged the complaint. The agent gave a series of steps which are not useful to resolving the matter ( switch VPN, clear caches, don't use app ). The site is blocked by Goldman for IP addresses outside the US and these steps do not mitigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
I purchased 3 Visa gift cards a month ago. The cards never worked to make purchases. I filed a CFPB complaint XX/XX/XXXX for the cards. Last week, I received a letter from Incomm, addressed to XXXX XXXX of XXXX XXXX, California. It appears he was having the same problem as me, but Incomm mistakenly mailed his letter to me. This must be a widespread failure the company refuses to correct. 

I tried to use the three cards today. Two of them worked ; one declined all transactions I attempted. The company simply refuses to fix their problem with these cards. It is undoubtedly pocketing large sums of money due to people being denied access to the funds they load to these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: FL

Complaint narrative:
hereby declare that I am the victim of identity theft and have not, at any time, authorized or participated in the fraudulent activities described in my dispute. I have not benefited in any way from the accounts, transactions, or inquiries that were unlawfully conducted in my name. Furthermore, I have no knowledge of the individual or individuals responsible for these unauthorized actions. All information provided in this matter is truthful and accurate to the best of my knowledge.

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 2024-10-07 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: FL

Complaint narrative:
hereby declare that I am the victim of identity theft and have not, at any time, authorized or participated in the fraudulent activities described in my dispute. I have not benefited in any way from the accounts, transactions, or inquiries that were unlawfully conducted in my name. Furthermore, I have no knowledge of the individual or individuals responsible for these unauthorized actions. All information provided in this matter is truthful and accurate to the best of my knowledge.

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 2024-10-07 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: FL

Complaint narrative:
I was reviewing my credit report and saw that a number of late payments that I do not recognize appeared on my credit report and are negatively affecting my personal credit. 

XXXX XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the marks that I wish to be removed and updated as payment on time

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 2024-10-07 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: FL

Complaint narrative:
I was reviewing my credit report and saw that a number of late payments that I do not recognize appeared on my credit report and are negatively affecting my personal credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax These are the marks that I wish to be removed and updated as payment on time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: IQOR US INC
State: NY

Complaint narrative:
Please provide in writing attached to the cfpb the name of the program the client has been entered in Along with the policy and terms for the 150 monthly payments Please provide the terms of the offer in writing as according to XXXX the client was provided offers we will need XXXX and allied to place the offer for payment in writing as they have failed to do so on 10 occasions

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 2024-10-07 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: VA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-10-07 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: SC

Complaint narrative:
XXXX reported me late on XX/XX/year> as 30 days late on my XXXX thats incorrect. 

TransUnion reported me 30 days late XX/XX/year> that's incorrect I paid on time XXXX reported me XXXX days late on XXXX and XX/XX/year> that's incorrect I paid on and all late payments should be removed off this account I did not authorize or accept on of these late payments that goes against my rights In accordance with fair credit reporting Act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681

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 2024-10-07 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: SC

Complaint narrative:
XXXX reported me late on XX/XX/year> as 30 days late on my Equifax thats incorrect. 

XXXX reported me 30 days late XX/XX/year> that's incorrect I paid on time XXXX reported me XXXX days late on XXXX and XX/XX/year> that's incorrect I paid on and all late payments should be removed off this account I did not authorize or accept on of these late payments that goes against my rights In accordance with fair credit reporting Act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to file a formal complaint regarding XXXX XXXX XXXX 's ( KFA ) failure to correct an inaccurate charge and its subsequent negative impact on my credit report. I lease a vehicle through XXXX XXXX XXXX and am eligible for a military excise tax exemption in accordance with the Servicemembers Civil Relief Act, as confirmed by the City of Lowell Board of Assessors. Despite this exemption and multiple attempts to inform XXXX, I was charged excise taxes for XXXX and XXXX, which I paid under duress to prevent further damage to my XXXX XXXX. 

I have repeatedly communicated this exemption to XXXX XXXX XXXX, provided supporting documentation, including an abatement certificate from the XXXXXXXX XXXX XXXX, and requested a refund for the excise tax payments. XXXX XXXX XXXX has yet to refund the payments or correct the inaccurate information on my credit report, which has unjustly resulted in my account becoming delinquent. 

This inaccuracy has significantly impacted my credit score and, as a result, delayed the pre-approval process for purchasing a home. After disputing this matter with the credit bureaus, I was further disappointed to learn that their " investigation '' only consisted of forwarding my dispute and supporting documentation to XXXX XXXX XXXX. The credit bureaus then provided XXXX 's response as the final " dispute results, '' after almost a month of anticipation, without any meaningful investigation or mediation. 

I am requesting the CFPBs assistance in resolving this matter and holding XXXX XXXX XXXX accountable for refunding the excise tax payments and removing the incorrect negative information from my credit report. The inaction from both XXXX XXXX XXXX and the credit bureaus has caused undue financial hardship, and I would appreciate the CFPBs prompt attention to this issue. 

Thank you for your assistance in addressing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief