vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that was in fact paid on time, but consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/year>. Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to pay on time immediately thank you for your understanding and prompt action.

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 2024-02-22 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that was in fact paid on time, but consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/22. Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to pay on time immediately thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I had a solar loan on my rental property, my tenants were to pay the monthly payment and failed to do so. The company would call them regarding the default instead of me even though they had my information. My my account with them was then charged off. I have brought it current with the the company it was sent to. If they would have called or notified me in anyway this would not of happened. 
They said they sent letters however they did not sent these to my address they sent it to my tenant As soon as i found out about this I immediately contacted them then the agency they sent it to and brought it current and am setting up re payment with the collection company as I don have any choice as far as i can tell Also the original lender had my name incorrect and i contacted them several times and they never changed it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a credit card with Bank of America that advertised a 0 % introductory APR. I was prompted to transfer a balance from other credit cards, so I transferred {$14000.00} from a XXXX credit card. However, I was not informed that there was a 3 % balance transfer fee associated with the balance transfer and was charged an additional {$420.00}.

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 2024-02-22 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: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Consumer Financial Protection Bureau, I am writing to dispute an unauthorized hard inquiry on my TransUnion credit report and to request an immediate investigation into this matter, as I believe it violates the Fair Credit Reporting Act ( FCRA ) regarding permissible purposes for credit inquiries. 

The specific inquiry in question was made by XXXX XXXX ( XXXX ) on XX/XX/year>. I did not authorize this inquiry nor did I initiate any credit application or transaction that would warrant a hard pull on my credit file by this institution or any other entity. 

Under the FCRA, section 604 [ 15 U.S.C. 1681b ], permissible purposes of consumer reports are clearly outlined, and any access to my credit information must align with these legally defined reasons. An unauthorized hard inquiry not only contravenes these regulations but also unjustly impacts my credit score. 

I respectfully request that the CFPB : Conduct a thorough investigation into the unauthorized inquiry by XXXX XXXX  ( Finance ) reported on XX/XX/year>. 
Ensure the removal of this inquiry from my TransUnion credit report if it is found to lack a permissible purpose under the FCRA. 
Provide me with a detailed account of the investigation 's findings and any actions taken to rectify this issue. 
I have attached a copy of the portion of my TransUnion credit report showing the unauthorized inquiry for your reference. 

Thank you for your attention to this important matter. I trust in the CFPB 's commitment to uphold the consumer rights and protections afforded by the FCRA and look forward to your prompt assistance. 

Sincerely, 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 2024-02-22 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: FL

Complaint narrative:
XXXX XXXX sent me an offer to the balance during the COVID pandemic. I paid the balance. It was XXXX. The reported to the credit bureau a balance of XXXX. 
They also sent me a 1099 tax liability to for the amount I paid which was the XXXX for XXXX  taxes

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 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app has closed my account due to fraud & violations after I reported the fraud to them. However they are now saying that I authorized the very fraud that took place on my account. I am looking to take legal action if funds are not returned. My cash app name was changed & over {$10000.00} was immediately transferred with no fraud alerts. They are claiming the fraud to shut down the account that was compromised, but refuse to return any stolen funds from what I reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NC

Complaint narrative:
Equifax, XXXX and XXXX are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these 3 credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. 



Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report. 



IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT. 



DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS? 



WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS XXXX RECORDS WERE REPORTED WITHOUT CONSENT. 



WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED? 



NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES. 



YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS. 

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY. 



YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 



PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: PR

Complaint narrative:
My credit report is still reporting information that being fraudulently open, I send all the information a still in my credit report. Account name : 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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The account was not validated and removed from XXXX, Equifax and XXXX now the credit has sold the debt to a different agency and placed back on my credit report illegally. 

This is against the FCRA and my rights has a consumer. 

XXXX XXXX brought debt that was never validated prior and has been removed off all credit reports ..Now new sold debt is back on Equifax report illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
After lengthy and repeated conversations with the American Express reward card customer support, I was able to get a replacement card ordered for my AmEx Reward card which did not work in any physical store, nor would it work online. After trying it at multiple vendors ( grocery shop, apparel shop, XXXX, bookstore, restaurant ), and bearing the humiliation and frustration of using a Gift Card amount that just does not seem accessible, when I contacted the Customer Care again, they had nothing to say about or help the situation other than the card is active on our end and should work. The customer care never provides any service numbers to reference previous conversations. They also do not provide any documentation at all. To top it off, the website listed on the card, XXXX never works and always errors out. 
With no way to access the funds on the gift card, I am left increasingly frustrated given I have not 1 but 2 such cards and has earmarked them for some time-bound purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AR

Complaint narrative:
All three credit bureaus, XXXX XXXX, XXXX and XXXX have failed to change Nelnet account balance to XXXX. Pain in full. I have requested that Nelnet send updated information to which they have refused. My loans were transferred to XXXX and now XXXX and Nelnet are reporting a balance of XXXX a total of XXXX. I only owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: AR

Complaint narrative:
All three credit bureaus, XXXX XXXX, Equifax and XXXX have failed to change XXXX account balance to XXXX. Pain in full. I have requested that XXXX send updated information to which they have refused. My loans were transferred to XXXX and now XXXX and XXXX are reporting a balance of XXXX a total of XXXX. I only owe XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2024-02-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Financial Freedom Group, LLC
State: TN

Complaint narrative:
The company 's name is Debt Blue. I discontinued with their services, because I could not afford to continue. it was time for my monthly submission, I decided to disconnect, because I learned that one of my accounts had not been paid, despite me having a balance in my account with them, and my credit score kept decreasing. I requested my account to be closed, and I was sent a form to complete for reimbursement. 
Now I received information that I had no balance. I did have a balance.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
This is my fourth attempt to resolve this issue. In XX/XX/XXXX, I used Bank of Americas online bill pay service to send a check to my church. The bank sent a paper check that never made it to the payee. Someone stole the check and took it to a Bank of America branch to either be cashed or deposited. Bank of America processed the check and paid this person using a fraudulent endorsement. 

This fraud was detected in XX/XX/XXXX when I received my XXXX  year end contribution letter and this one contribution was missing. Not counting the request for the check copy front and back, I opened a case with Bank of America in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Bank of America allowed someone to steal from me and my church, and they will not make it right.

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 2024-02-22 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: MI

Complaint narrative:
Equifax is in violation of multiple laws set forth by Congress regarding the following accounts shown below. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( financial institutions ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( 1 ) ( A ) states that A person ( financial institutions ) shall not furnish any information relating to a consumer ( Me ) to any consumer reporting agency ( Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. Financial Institutions can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The IRS Clearly says a Cancelled debt or charge off is income. The reporting of these accounts as debt is inaccurate. I never received a 1099-C from these Financial institutions for the cancelled debt of these accounts in order to file as ordinary income. Where is my 1099-C as required by the IRS. This is unsatisfactory. These financial institutions terms and conditions, they agreed not to share my information with non-affiliates. Pursuant to 15 USC 1681b Equifax need my written consent to furnish any information, which I never give them authorization to do so. Pursuant to federal law this is considered identity theft.

Pursuant to 15 U.S. Code 1681 ( a ) Accuracy and Fairness of credit reporting. These pictures show the inaccurate and unfair credit reporting methods which Equifax is using to undermine my general reputation as a consumer.

Pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) Exclusions The term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Pursuant to 15 U.S. Code 1681n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation. 

Below you can see proof of my complaint. Please promptly delete these accounts. 

XXXX XXXX : Account XXXX XXXX : Account XXXX XXXX : Account XXXX XXXX : Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: GA

Complaint narrative:
The account was not validated and removed from XXXX, XXXX and XXXX now the credit has sold the debt to a different agency and placed back on my credit report illegally. 

This is against the FCRA and my rights has a consumer. 

Jefferson Capital brought debt that was never validated prior and has been removed off all credit reports ..Now new sold debt is back on XXXX report illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: GA

Complaint narrative:
I am victim of ID Theft, while I was away at XXXX my XXXX XXXX was broken into, all personal things were taken, ie : wallet, bank statement and tax information. I reported the issue to my XXXX  and XXXX police. i was advised to file a formal complaint. I pulled my credit report and noticed several items on my credit profile I did not authorized or applied for. I have contacted Trans Union, XXXX, and XXXX several times. And have not helped me resolve the problem. I request the following account to be deleted. 

XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX opened : XXXX XXXX, XXXX XXXX XXXX XXXX opened : 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