vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently Experian does not put a copy of the findings in the dispute portal but the findings will say you must call to get more info. 

The automated system is not real its just a pre recorded message. 

First she ask for your social, then she says she did not catch that and request your social a second time. After you retype 9 numbers ( doesnt have to be a real social I used a random 9 numbers several times ) she then says got it. Lets pull get you to the right person. As if she actually retrieved a file. Which is impossible because I used a mostly zeros once and I am sure no one alive has that social.

Finally no matter what you select she says she can not connect you with an agent. The choices you have are to send request by mail ( which I did ) or check the website ( which directs you to the phone call ). 


This behavior is against the consumer protection act as there is no way for me to actually resolve incorrect information on my account.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M.A.R.S., Inc.
State: AR

Complaint narrative:
This is apartment is fraud. I do not owe a balance. This balance is incorrect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX TO Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX & XXXX XXXX Inquired on 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
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : Account Name : XXXX XXXX  Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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:
Details of the Account in Dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : The account is invalid and should not be reported. The collection agencys inclusion of this account potentially violates HIPAA protections by improperly handling or disclosing medical information. 

Dispute History I have disputed this account in XXXX and XXXX with XXXX, XXXX, and Equifax. Only XXXX has handled the dispute properly by deleting the account from my credit report the first time it was disputed in XXXX. Both XXXX and Equifax, however, have marked the debt as verified without providing adequate documentation to substantiate their findings. I have disputed this several times over the past two years.

FCRA Violations The continued reporting of this invalid account and failure to provide proper verification constitutes a violation of the FCRA. Specifically : Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable investigation of disputed information.

Section 611 ( a ) ( 6 ) ( B ) : After completing an investigation, the agencies must provide a written explanation of how the information was verified and the method of verification.

Section 609 ( a ) ( 1 ) : Consumers have the right to request and receive all information in their credit file, including the documentation used to verify disputed accounts.

Section 623 ( a ) ( 1 ) ( A ) : Data furnishers are prohibited from reporting information they know or should know to be inaccurate.

Section 623 ( b ) : Upon receiving notice of a dispute, data furnishers must investigate, correct any inaccuracies, and report the results to the credit reporting agencies. 

Requested Documentation for Verification If XXXX and Equifax intend to continue reporting this account, I demand the following verification documents : Proof of Debt Validation : -A copy of the original agreement or contract between myself and the original creditor.

-Any detailed statements, invoices, or payment records supporting the balance owed.

Verification Details : -A description of the steps taken to verify the debt.

-The name, contact information, and address of the original creditor or collection agency responsible for the verification.

Evidence of Compliance with HIPAA : -Confirmation that no sensitive or protected health information was disclosed or misused during the collection or reporting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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 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 non-monetary relief
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NJ

Complaint narrative:
i applied for a car and noticed accounts that were opened without 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 non-monetary relief
Consumer complaint received 2024-11-25 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: NJ

Complaint narrative:
i applied for a car and noticed accounts that were opened without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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 writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
On XX/XX/XXXX I paid for a lift using cash app through the XXXX app, after I selected a 20 % off discount for XXXX  in Cash App as I had done on XXXX XXXX. However instead of getting the 20 % off discount I didnt get any discount. So I submitted a question about it on their chat help service, and was told I didnt use cash app pay so didnt qualify. I had no idea what cash app pay was, it wasnt mentioned in the offer I selected, and Ive never seen this service advertised. However Cash App is 100 % adamant that because I used cash app, not cash app pay, they will not honor the discount. This sounds like bait and switch to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
I contacted Citizen Bank because they closed an account that I'm still paying on, never late & it affected my credit report. I got the equipment from XXXX which has been and still is a problem with the equipment. I was told my account was closed because Citizens Bank no longer does business with XXXX. Citizen Bank financed my equipment, why are they closing my account because they don't do business with XXXX, that has nothing to do with me. If my account is closed why am I still making payments? The closing of my account affected credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MI

Complaint narrative:
On XX/XX/year> I bought a XXXX XXXX Visa card, for {$500.00}, at a XXXX store, in XXXX, Michigan. The price, for the card, is an additional {$7.00}. After buying the card, I tried to active it, by going to their website, which is XXXX When I enter the card number, the website provides an error message, which states " A System Error Has Occurred. Please Try Again later. '' It doesn't matter how often I try, or what day it is. This website always gives this error. 

When I called the phone number, on the back of the card, the automated system says that the card number is invalid. 

I've spoken with multiple representatives. Some tell me that the card is already activated, has a {$500.00} balance, and is ready to use. Others tell me that I have to activate the card, via the website or automated phone system. When I tell them that the system won't let me, they tell me that it's the only way for me to activate the card. 

I've tried using the card, with four different vendors. Two were online vendors, two were physical stores. In all cases, the card is declined or rejected. 

Prior to buying this card, I had purchased a different one, a long time ago. That card worked, and I, recently, emptied the balance, by using it at a XXXX XXXX store, on XX/XX/year>. I then tried using this latest card, at that exact same store, less than an hour after emptying the previous card, and the card was declined. So, the card would have normally been accepted at that XXXX XXXX Store. 

This company seems to be unwilling to help. They tell me to use a system that won't accept the number. 

I've now realized that you don't have to look very far to realize that this sort of thing is happening to many, many people ; especially recently. 

Here are just a few results, after doing a quick google search : XXXX XXXX XXXX? XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX ( XXXX XXXX  ) I went to withdraw money from an account my ex-wife and I maintain jointly to pay for my son 's volleyball club fees and expenses. I noticed that a few weeks prior ( XX/XX/year> ) a withdrawal of {$110.00} was made to this account with a description of " Legal Processing Fee ''. 

I called my bank ( M & T Bank ) to report the withdrawal/transaction as fraudulent as that is not something I was failure with. The customer service agent told me it was not a fraudulent transaction but a fee charged by my bank as a result of an IRS action against my ex-wife and that the account was restricted and I could only make deposits. 

I requested to speak to the legal or compliance department, but was told that was not an option. I indicated I was surprised that I never received a notification about the account restriction or the fee, and the agent stated " the bank is not obligated to notify account holders for legal actions on accounts ''. 

I reviewed the account history with the agent showing her that for the past several years the only deposits to the account were from my personal checking account at another financial institution and the only withdrawals were initiated by me for sports related activates for my son. 

Understanding the bank had no way to affect the tax with my ex-wife, I knew there were not able to remove the restriction, and I had other funds available to pay for my son 's club I requested that the bank refund the legal processing fee. The agent said she would not at which time I asked to speak to a manager. The manager also refused to discuss the refund of the legal processing fee. 

When I asked for copies of the legal documents the bank was in possession of, they refused to provide those documents. I also requested a listing of expenses the bank incurred by restricting my account justifying the charge of {$110.00}. This request was also denied. 

My issue is that the account still does not show a restricted status on the online portal, so I have no way of telling when the restriction is removed. Further, I believe a {$110.00} fee to simple restrict an account is unfairly excessive. Lastly, to not have the restriction of the account communicated to me I find shocking. 

I was an ex-employee of the XXXX  having worked there in multiple capacities for over 16yrs. I still have many good friends that work for the XXXX  and left the XXXX  on good terms. All of this makes if more shocking the bank is unwilling to justify the expense or refund the fee.

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 monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-11-25 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: Early Warning Services, LLC
State: MA

Complaint narrative:
vrthing began back on XX/XX/year> at XXXX he received an alert saying that his social security number has been compromised on the " dark web ''. I never had an idea the message were true because I thought it was scam. My XXXX XXXX and XXXX ). charged XXXX on my XXXX XXXX, {$15000.00} on my XXXX and also took out a loan in my name for a unknown amount. later this year victim I saw the results of more identity theft this XXXX  XXXX unknown to me and XXXX XXXX these accounts are not mine I am growing tired and weary of so much run around XXXX and then evrything goes from XXXX to worse inquirires on my credit report 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MA

Complaint narrative:
vrthing began back on XX/XX/year> at XXXX he received an alert saying that his social security number has been compromised on the " dark web ''. I never had an idea the message were true because I thought it was scam. My XXXX XXXX and XXXX ). charged XXXX on my XXXX XXXX, {$15000.00} on my XXXX and also took out a loan in my name for a unknown amount. later this year victim I saw the results of more identity theft this XXXX  XXXX unknown to me and XXXX XXXX these accounts are not mine I am growing tired and weary of so much run around XXXX and then evrything goes from XXXX to worse inquirires on my credit report 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

Company response to consumer: Closed with non-monetary relief