vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against the credit bureaus for failing to accurately investigate and correct errors related to my XXXXXXXX XXXX account. The late payment history being reported does not make chronological or mathematical sense, as the dates and amounts do not align with the actual payment history of the account. Despite my requests for verification and correction, the bureaus have failed to address these discrepancies properly, leaving these inaccuracies on my report and negatively impacting my credit profile. I request immediate action to correct these errors.

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 2024-12-02 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are inaccurate or maybe fraudulent.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-02 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-02 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: NJ

Complaint narrative:
This account XXXX XXXX account # XXXX is a checking account that was negative {$17.00} and went into charge off I have paid the full balance off but this account is still reporting on my credit report as negative remark and its destroying my reputation and borrowing power with other lenders this is This is defamation of character. THIS IS VIOLATING 15 U.S.C 1692.This is a Checking account charge off not a credit obligation contract example ( Credit card, personal loan, Car Loan ) so this shouldn't be reporting on my credit reports e i'm requesting all credit agency 's ( Transunion, XXXX, XXXX ) to remove and block to account from future reporting onto my credit reports immediately. 

I will Below attach my proof of identification for all credit agency that's mentioned in this dispute.

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 2024-12-02 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: NJ

Complaint narrative:
This accounXXXX XXXX XXXX  account # XXXX is a checking account that was negative {$17.00} and went into charge off I have paid the full balance off but this account is still reporting on my credit report as negative remark and its destroying my reputation and borrowing power with other lenders this is This is defamation of character. THIS IS VIOLATING 15 U.S.C 1692.This is a Checking account charge off not a credit obligation contract example ( Credit card, personal loan, Car Loan ) so this shouldn't be reporting on my credit reports XXXX i'm requesting all credit agency 's ( XXXX, Equifax, XXXX ) to remove and block to account from future reporting onto my credit reports immediately. 

I will Below attach my proof of identification for all credit agency that's mentioned in this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am formally requesting their removal within 15 days. Please find the relevant documents attached for your review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2024-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NV

Complaint narrative:
Terms : subsidized : under IDR program, Interest of principle balance that has not been paid off by monthly payment amount is to be subsidized or erased in balance. 
XXXX XXXX XXXX XXXX Initial call regarding issue, Confirmation regarding IDR program that that interests not covered my monthly payments should be subsidized under IDR plan. Confirmation that complainant is currently enrolled in IDR plan and whatever interest seems to have been acrueing in total balance should be removed in timely manner XX/XX/XXXX XXXX XXXX XXXX XXXX multiple separate calls- Still noticing balance increasing in total balance section and notified that complainants loans have been placed in forbearance, meaning current loans should have a interest rate of 0 % until forbearance is raised. Questioned regarding IDR plan and interest subsidizing under Payments. Servicer confirmed these and that Complainants balance does seem to reflect an accrual of interest. 
XXXX XXXX minutes- Verbal confimration by supervisor that there seems to be interest that should be subsidized that is not being subsidized under IDR plan which is an error on their part. States that supervisor will correct this issue and issued a Request of balance correction. Request # XXXX. 
Complainant received Conversation number for reference of call XXXX. 
Supervisor states that Complainant shall receive a follow up email in 7-10 business days XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX minutes- Complainant received XXXX follow up emails and called mohela. After multiple hours and another non-supervisor, connected with supervisor who again confirms findings that interest have not been subsidized which should have been subsidized under IDR program payments. Confirms that complainant has been approved of IDR plan on XX/XX/XXXX and have made first payment in XX/XX/XXXX under IDR plan. Interest has been subsidized from XXXX of XXXX but for some reason XXXX XXXX of XXXX interests has not been subsidized again, confirming the increase in total loan balance that complainant has been seeing in mohela website. Supervisor also confirms that Complainants loans are placed in forbearance. Supervisor states that request for correction is still active but has never been touched by Mohela to be resolved. States that supervisor will issue an expedited request and complainant will receive another follow up email in 5-7 business days. It has been 1 month with absolutely no follow up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
I am filing this complaint against AMERISOL for reporting a medical debt on my credit report that I do not recognize. I have no knowledge of this debt or its origin. Additionally, the account is being reported as both an open account and a collection account with a past due balance of {$510.00}, which appears to be a violation of reporting standards. This erroneous information is negatively affecting my credit profile, and I request that it be investigated and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Block, Inc.
State: MO

Complaint narrative:
I contacted Customer Support about a problem with my overdraft coverage being XXXX suddenly. The initial contact was through chat ( my only option of how to contact them ). I talked to three advocates who told me the exact same things & no one looked at the information I kept stating. I requested to speak to a manger, in which my complaint was logged & emailed to a manager. I then talked through several emails to one manager. After having to go through a run around, the matter was never resolved. I would file a complaint here but I am passing the matter on to my financial attorney because of the illegal activity that occurred. But I would like others to be well aware of their tactics and be warned. 

Here is what happened. Cash App offers overdraft coverage in case you would need it. the amount varies ( mine was XXXX dollars ). The requirements according to their terms of service is that at least XXXX dollars total must be direct deposited a month and the overdraft amount not be in past due status of 45 days or more. My direct deposit amounts were well over XXXX each month and I was constantly paying my overdraft amount ( almost every day ). Thus, I had met both requirements and their was no other reason to have it XXXX. 

When I contacted Cash App about it, each contact, including the initial with the manager, stated the requirements that i just mentioned. When I responded with my argument that I had clearly met the requirements and asked for an explanation on why it was XXXX regardless, they refused to give me anything further. They stated that there was no new information and the matter resolved. Interesting since no one really looked into the matter nor ever gave me an explanation beyond the computer generated one of requirements. Clearly, they had XXXX my overdraft coverage for NO reason and this was done illegally & wrongly. I pointed this out several times to each advocate and to the manager. Each response, no matter what I said was the same. Ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
Tried to use the Amex Gift Card XXXX XXXX and it will not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: GA

Complaint narrative:
They're are several unathorized account son my credit reportl that i do not recognize

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 2024-12-02 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: MS

Complaint narrative:
XXXX advertises pre-approval which will not affect your credit score, but when I filled out their pre-approval application, they initially said I was pre approved for {$3800.00}, then, without further input from me, ran a hard credit check with Transunion which I did not authorize. They are straight up lying to consumers saying the pre-approval process will not affect their credit score when in fact, it lowers the consumers credit score. I contacted XXXX and they had no explanation for this and said they would note it, but this does not fix anything. They have to stop conducting business dishonestly and restore my credit report to the state it was in before they jacked me.

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: TX

Complaint narrative:
Card was compromised by fraud on XX/XX/year>. 
I do not accept text notifications ; thus a fraud notification was not sent.

Card was locked shortly after the fraud.

I called the toll-free number listed on the back of the card. 
I was unable to access the IVR because the card was locked ; I was auto-transferred to the fraud dept. IVR.

The fraud dept. IVR would not verify me and would not allow me to request a representative for help.

The fraud dept. IVR eventually timed out with the message to dial ( the same number ). 

I was only able to speak with a Credit Card rep by begging my Credit Union to use their direct line and conference me into the call.

The fraud was resolved, but there is no acknowledgement that the system has a flaw. And they are not taking any action to resolve and ensure I can speak directly to them when/if there is fraud on my card.

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