vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 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: Early Warning Services, LLC
State: FL

Complaint narrative:
This is starting to seem like a joke. Complaint # XXXX has not been address so its not clear why the complaint was closed. There were specific demands made in that complaint which has neither been provided or addressed. XXXX / XXXX XXXX is engaged in concocting and fabricating bogus defamatory reports with it delivers to various institutions to engage in discrimination. I demanded what information was provided by XXXX XXXX XXXX XXXX Bank XXXX This information has not been provided. I demamded also whatever this nonsense is that you fabricated and provided to various institutions to make false bogus decisions. If you again refiuse to provide the information, I will have to sue you to compel delivery of what is being requested. If CFPB is not an agency that enforces the XXXX, then make to phony claim to have such an obligation when the CFPB encourages these entities to be openly engaging in discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: MI

Complaint narrative:
According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This item is reported incorrectly and should be deleted. I should receive {$1000.00} for each error found on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This item is reported incorrectly and should be deleted. I should receive {$1000.00} for each error found on my credit file.

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 2024-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 2024-05-25 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: VA

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 2024-05-25 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: MI

Complaint narrative:
According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This item is reported incorrectly and should be deleted. I should receive {$1000.00} for each error found on my credit file.

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 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
Timely payments have always been my practice with this account, and I've never let any become overdue. I'm confused by the reports of late payment remarks on my accounts. Per 15 USC 1666b, billing errors need to be corrected.

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 2024-05-25 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:
This complaint addresses fraudulent items on my credit report that are in violation of federal law. While I appreciate that some fraudulent entries have been removed, I noticed that several still remain on my updated report. Under the Fair Credit Reporting Act, 15 USC sections 1681, you are required to remove these items within the legally mandated time frame. The continued presence of these inaccurate items is negatively impacting my credit. Summary of the fraudulent items still showing on my report : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX Balance Owed ; {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX FL XXXX ; XXXX  XX/XX/year> ; XXXX  XXXX Balance : {$5300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I appreciate your time and effort in removing some information from my file related to an alleged identity theft. However, there are still accounts that need to be removed. Per FCRA section 605, you are required to remove any accounts listed on an ID Theft Report # XXXX. Ive already included this report in a previous letter and am including it again. Please see below the accounts that I would like to be removed from my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$270.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXX Owed : {$270.00} ; XXXX  XXXX Balance Owed : {$0.00}.

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 non-monetary relief
Consumer complaint received 2024-05-25 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: IL

Complaint narrative:
I am aware that FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is inaccurately reported, and I request its removal. I am entitled to {$1000.00} for each incorrect entry on my credit file.

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 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I have consistently made timely payments on this account, never missing a due date. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

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 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ARVEST BANK GROUP, INC.

Complaint narrative:
Greetings sir/madam I contacted the Federal Reserve on my subject and they forwarded me to you. 

I'm reaching out to you to complain about Arvest Bank on cumbersome and lengthy care, which seems to have no end, regarding to international bank transaction via XXXX I've made them on XXXX of XXXX this year in order to receive a service from them. The issue started when the funds ( amount of {$5000.00} ) were delayed to arrive to the recipient. I want to emphasize that it wasn't a case of sending funds to incorrect/wrong rrecipient account details. 
After some time later of back and forth between my bank and Arvest on investigating the real status of my payment Arvest said to me on XXXX of XXXX that they haven't yet received my payment, but they were aware of some issues they had with some international transactions as communicate with their intermediary bank due to unstable exchange rate. 
And on XXXX of XXXX they said to me that finally my payment has been recalled back to me by their intermediary bank due to that technical issue. 
Unfortunately, I'm waiting for that reversal payment till now. 
I also tried to get assistance from my local bank to resolve it and according to communication with their intermediary bank it said that no funds are longer available for requesting back. 
I'm not a banker and I don't have a clear information tracking of that payment but as far as I understand 2 intermediary banks are involved of it so I guess my funds are still held on Arvest 's intermediary bank. 
On my recent correspondence with Arvest they said that sometimes there are some delays in processing reversal payments depending on the involved intermediary banks and countries and asked me to exercise more patience and I did it, hopefully to see any outcome, but unfortunately I don't see it at all and after more than 90 days that I'm waiting which is too much longer by all accounts my patience has also expired and I'm not able to get it resolved successfully with them and that's the main reason I contact you for helping me to resolve it urgently in order I can get my funds back. 
I also attached XXXX documentation produced by my bank on XXXX of XXXX regarding their inability to request my funds back, following the final answer they recieved from their intermediary bank. 

I would greatly appreciate your assistance on this matter. 

Thanks

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 2024-05-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I hope this message finds you well. This is my follow-up complaint regarding the submission dated XX/XX/XXXX. Despite our previous correspondences and the efforts made thus far, the fraudulent items remain unresolved. These entries are causing significant distress and negatively impacting my financial standing. It is imperative that immediate action is taken to rectify this situation and remove these inaccuracies from my credit report. I understand that resolving cases of fraud can be complex, but it is crucial that we work together to ensure the accuracy and integrity of my credit report. I urge you to escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit report. Below are the fraudulent items that need to be removed from my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/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 2024-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/year>, a notice of liability and request for explanation was sent to the company regarding alleged unauthorized communications linked to an estate. The company did not respond. On XX/XX/year>, a notice of fault was sent providing a 10-day opportunity to cure by XX/XX/year> by providing the requested information, but the company still did not respond. On XX/XX/year>, a final notice of default and dishonor was sent stating the company 's continuous failure to address the issues raised has caused substantial damages, fees and costs to be incurred by the estate. No specific amounts were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: AZ

Complaint narrative:
I appreciate your time and effort in removing some information from my file related to an alleged identity theft. However, there are still accounts that need to be removed. Per FCRA section 605, you are required to remove any accounts listed on an ID Theft Report # XXXX. Ive already included this report in a previous letter and am including it again. Please see below the accounts that I would like to be removed from my credit report : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$270.00} ; XXXX XXXX Balance Owed : {$0.00}.

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 non-monetary relief
Consumer complaint received 2024-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX : On XX/XX/XXXX, XXXX mailed over a dispute letter to XXXX XXXX the completeness and accuracy for accounts on my credit report. I recently received a response from XXXX that was issued by them on XXXX, 2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 

TransUnion : On XXXX XXXX| mailed over a dispute letter to TransUnion disputing the completeness and accuracy for accounts on my credit report. I recently received a response from TransUnion that was issued by them on XXXX, 2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 


XXXX. On XXXX XXXX| mailed over a dispute letter to XXXX disputing the completeness and accuracy for accounts on my credit report. I havent received a response as of XXXX I am demanding XXXX XXXX do their job and conduct a proper investigation on the accounts I am trying to 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 explanation
Consumer complaint received 2024-05-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX : On XX/XX/XXXX, XXXX mailed over a dispute letter to XXXX disputing the completeness and accuracy for accounts on my credit report. I recently received a response from XXXX that was issued by them on XXXXXXXX XXXX  that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 

XXXX : On XXXX XXXX| mailed over a dispute letter to XXXX disputing the completeness and accuracy for accounts on my credit report. I recently received a response from XXXX that was issued by them on XXXXXXXX XXXX  that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 


Equifax. On XXXX XXXX| mailed over a dispute letter to equifax disputing the completeness and accuracy for accounts on my credit report. I havent received a response as of XXXX I am demanding equifax to do their job and conduct a proper investigation on the accounts I am trying to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/year>, I was scammed using the following app Cashapp someone sent {$65.00} to a random individual from my account. Once I realized that the payment had took place the person had already accepted it. I constantly requested the money back but to avail the person blocked and changed or deleted their account afterwards. I tried contacting customer service they basically said it was my fault and nothing they could do but online I saw they had a scam policy which they did not follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
I settled a bill with the original vendor before a credit management collection agency reported it to the credit bureau. The original creditor sent a paid-in-full invoice to the collection company after I informed them that the account had been paid. I contacted the credit management company to request a one-time courtesy removal of the account from my credit report, as it had been paid in full before being sent for collection, and I offered to provide proof of payment. They agreed to assist me, especially since I am in the process of leasing a vehicle that is due to be returned at the end of XX/XX/year>. 

Despite multiple attempts, I have been unable to dispute the credit management account with TransUnion and XXXX. XXXX is trying to assist me but Transunion is constantly giving me the round around, I registered and tried to dispute the account with proof of payment, but I keep receiving messages saying that I am unable to dispute it at this time. I reached out to customer service and even called, asking them to file a dispute on my behalf, but they were unable to do so due to technical issues. I also spoke with tech support, but their online disputing system seems to be malfunctioning. 

I have been back and forth with this company and have not made any progress. This collection on my account is preventing me from applying for a loan to purchase a car, and my credit score has dropped by twenty-five points. Despite explaining the urgency of the situation and providing proof of payment, TransUnion has not been helpful. Additionally, I am unable to view my credit report on their website. 

Can you assist me with this matter? I have read similar complaints from other consumers about this company and this very same issue.

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