vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
The date was in XX/XX/year> and the bank was First Bank XXXX. I told the seller to dont submit my information because they dont have the product that I needed in that moment. I decline the offer and to my surprise, three days later, I received the notification of credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I requested for the credit agencies to dispute the information back in XXXX got response in XXXX stating accurate response from creditor so asked the creditor to send the info never did told the credit agencies never got a response and they simply ignored it so I need help to get both companies to listen to me innovis, XXXX XXXX, XXXX XXXX which never got a response the credit agencies wont gispute information If I do not get a letter from these reporting agencies need help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: AZ

Complaint narrative:
I recently disputed inaccurate information on my credit report from this company that claim I owe a debit! Ive sent dispute letters several times asking them to please provide me with verifiable documentation that bears my Signature that states I owe them the debts they claim I owe, the Document that were provided to me did not bear my Signature in fact they provided me with an itemized print out of a statement which does not constitute debt verification, Per FTC opinion letter from attorney XXXX XXXX XXXX. I still have not received the documentation I formally ask them to provide me and they are still reporting inaccurate information on my credit report that keep get verified every time I dispute it.

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 2024-09-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
It was a random night my cash app and email was hacked and someone was able to log into my cash app and pull small withdrawals ( {$250.00} ) from my XXXX XXXX  account totaling {$4200.00}. The person labeled this transfer as car parts which I would never make this type transaction. This made my XXXX XXXX account negative. I had to use my personal income tax to pay this off because XXXXXXXX XXXX told me the withdrawals came from my personal cash app. I disputed this several times and cash app did not resolve it nor did they even give a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-03 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: PA

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it XXXX  and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX CO Account Number : 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 2024-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I realized that I am not able to access my HSBC mobile app. I called the bank hotline number. The bank representative told me that it is a bank misunderstanding and that he fixed everything. On XX/XX/XXXX I tried to log in to check my account balances but I got a message saying " user suspended ''. I called the bank again. They couldn't explain the reason but said that I didn't provide some information. I ask what information they are referring to. They couldn't answer but said that they will escalate the issue. 

I find it unacceptable and illegal for a bank to block access to my accounts without any justification. I haven't done any transactions. I am just keeping my money on CD accounts. 

Please make sure that the bank does not block my accounts anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MO

Complaint narrative:
About two years ago, there was a flood In Missouri, XXXX XXXX. I filed a claim with Fema because it was a FEMA flood disaster before they would take my application. They notified me that I was mandated to call my insurance company and attempted to file a claim. 
There was no claim filed. I called and inquired and spoke to XXXX XXXX as well but although involved with Fema, neither Lexus Nexus or XXXX XXXX will remove the report. 
There was no paid claim I did not file a claim. I did call to inquire, but the claims adjuster filed a claim against against the property, regardless of the information provided.. I called and spoke to corporate and they will not remove that regardless, even though it was involved with a FEMA flood disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was part of a large lawsuit against XXXX XXXX XXXX XXXX for fraud. They basically did not provide the services needed to employ graduates after graduation and they inflated job numbers. We won in regards to our Federal Loans but private lenders are sending mass denials for the same information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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:
In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # starting in Ref : XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in Ref : Ref : 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 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 2024-09-02 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: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently sent you a request to reinvestigate the information previously disputed. Please review my prior correspondence, I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Federal Trade Commission, and my state attorney general. Remove this incorrect information. The consumer reporting agencies need to report all information with complete accuracy, this account was not late. I requested proof of the previous investigation, I requested records, of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late, I asked if they can not provide me with information within 15/days paid never late and requested updated copy of my credit report. As of today, no documentation has been provided. Account number XXXX Please updated my name correctly to XXXX XXXX XXXX XXXX XXXX XXXX is incorrect. 

PLEASE UPDATE CORRECT AS CURRENT XXXX  XXXX XX/XX/XXXX STATE I WAS 30 DAYS LATE BUT CURRENT FOR XXXX AND XXXX XX/XX/XXXX AND XX/XX/XXXX STATE 30 DAYS WHICH IS INCORRECT PLEASE UPDATE CORRECTLY XX/XX/XXXX stated 30 days and XXXX XXXX XXXX XXXX XXXX XXXX days which is incorrect- can't be 30 days late each month please update ad current. XXXX XXXX stated 30 days late, while XXXX and XXXX are current-Which is incorrect please update correctly as current. XXXX XXXX stated 30 days and XXXX are each 30 days late and XXXX and XXXX are current - Please update correctly XXXX XXXX stated 30 days late - while XXXX and XXXX are current -please update correctly XXXX XXXX stated 30 days late and XX/XX/XXXX, and XXXX Need updated as current as stated 30 days which is incorrect. XXXX and XX/XX/XXXX stated 60 days late which is incorrect, I show paid 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 2024-09-03 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: AZ

Complaint narrative:
I recently sent you a request to reinvestigate the information previously disputed. Please review my prior correspondence, I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Federal Trade Commission, and my state attorney general. Remove this incorrect information. The consumer reporting agencies need to report all information with complete accuracy, this account was not late. I requested proof of the previous investigation, I requested records, of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late, I asked if they can not provide me with information within XXXX paid never late and requested updated copy of my credit report. As of today, no documentation has been provided. Account number XXXX Please updated my name correctly to XXXX XXXX, XXXX XXXX XXXX is incorrect. PLEASE UPDATE CORRECT AS CURRENT XXXX  XXXX XX/XX/XXXX STATE I WAS XXXX  DAYS LATE BUT CURRENT FOR XXXX AND XXXX XX/XX/XXXX AND XX/XX/XXXX STATE XXXX  DAYS WHICH IS INCORRECT PLEASE UPDATE CORRECTLY XX/XX/XXXX stated XXXX days and XXXX  XXXX  days and XXXX XXXX  days which is incorrect- can't be XXXX  days late each month please update ad current. XXXX XXXX stated XXXX  days late, while XXXX and XXXX are XXXX is incorrect please update correctly as current. XXXX XXXX stated XXXX  days and XXXX are each XXXX  days late and XXXX and XXXX are current - Please update correctly XXXX XXXX stated XXXX  days late - while XXXX and XXXX are current -please update correctly XXXX XXXX stated XXXX  days late and XX/XX/XXXX, and XXXX Need updated as current as stated XXXX  days which is incorrect. XXXX and XX/XX/XXXX stated XXXX  days late which is incorrect, I show paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My recent credit report is showing unverified, and unauthorized collections that I never had a chance to dispute. The collections are from XXXX XXXX XXXX, and XXXX XXXX XXXX. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for these collections because I never received written communication. In this debt validation I am asking for detailed list of my history payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of XXXX to collect in this debt, also asking to see if there had been XXXX claims filed on these accounts. With out providing proof, these accounts should be removed from XXXX, Equifax, and XXXX immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: PR

Complaint narrative:
This account was charged off on the following date [ XXXXXXXX XXXX CHARGE-OFF STATUS ]. 
Since then, the account has repeatedly been updated as charge-off every month. 
This is an update on the payment history. 
A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account : TransUnion : [ XXXX XXXX XXXX XXXX XXXXXXXX ]

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