vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA clearly outlines the procedures and requirements for reinserting any deleted information. 

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 Recently, upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification. 

Specific Violations According to Section 611 ( B ) of the FCRA, any reinsertion of deleted information must be accompanied by : 1. Written notification to the consumer within five business days of the reinsertion. 
2. Certification from the information providerindicating that the information is complete and accurate.

In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA.

Request for Immediate Action I kindly request that you : 1. Immediately remove the reinserted information from my credit report.

2. Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures.

3. Take necessary measures to prevent future improper reinsertions.

Additionally, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions if this situation is not adequately and promptly Thank you in advance for your prompt attention to this critical matter. 

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 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I applied and was approved for a new Chase Business Complete Checking account. 

On XX/XX/year>, I deposited {$30000.00} into my newly opened account. 

On XX/XX/year>, I began withdrawing money which brought the account below {$30000.00}. 

For my {$30000.00} deposit, I was to receive a bonus of {$750.00} by XX/XX/year>. Instead, on XX/XX/year> I received a {$300.00} bonus. I completed the requirements exactly as stated in the Terms and Conditions of the Chase offer and I would like my {$450.00}. 

See attached " Chase CFPB Complaint '' PDF and " Chase XXXXXXXX XXXX XXXX XXXX  for detailed information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-01-02 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: NY

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The company provided information but it is wrong. 
Please update my personal information and provide copy of the update. 

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 explanation
Consumer complaint received 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I kindly ask for your assistance in reviewing the accounts from companies inaccurately reporting late payments. After losing my job, I requested that the late payments be forgiven, which they agreed to, yet they are still being reported. Despite my efforts to follow up, I have received no updates, making this my last option.

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 2025-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
On XX/XX/year>, I submitted a complaint regarding a debt dispute with Genesis Credit Management ( Complaint ID : XXXX ). On XX/XX/year>, the Company responded that it is still working on my issue. Despite the ongoing investigation efforts, Genesis proceeded to report my illegitimate debt to all XXXX major credit reporting agencies ( i.e., XXXX, XXXX, and XXXX ) just XXXX days later on XX/XX/year>. This resulted in credit scores for myself and my partner decreasing by more than XXXX points. 

Previously, during a recorded call with XXXX at Genesis, he threatened me by saying that not paying the debt may lead to a lower credit score, which would restrain us from moving elsewhere for the near future. The Company has absolute disregard for fair debt collection practices and the rule of law and is now actively harming my physical and financial freedom and security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX  - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX OF XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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 explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I requested MOHELA process my IDR application. The application was submitted on XXXX XXXX XXXXXX/XX/XXXX. I spoke with someone and sent a followup message on Thursday, XX/XX/XXXX. The representative said the IDR application had been received, but provided no timeline for processing the application. She said they were behind and " doing our best, '' but I want this application to be processed immediately and I haven't been put int he IDR application administrative forbearance while they process the application which is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
ALL consumer reporting agencies identified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Transunion Intermediate Holdings , IncXXXX are in violation of the " Privacy Act of 1974, per 5 U.S.C. 552a ( b ), '' for disclosing my nonpublic personal records to other persons without my prior written request or verbal consent, and in violation of the " Gramm-Leach-Bliley Act, per 15 U.S.C. 6821 ( a ) ( 1 ), ( a ) ( 2 ), and ( a ) ( 3 ) and 15 U.S.C. 6823 ( a ) and 15 U.S.C. 6823 ( b ), '' for violating my privacy by, knowingly causing to be disclosed to multiple persons my nonpublic customer information of financial institutions, NOT relating to those persons. Additionally, by violating the " Gramm-Leach-Bliley Act, '' All consumer reporting agencies identified are also in violation of " Aggravated identity theft '' per " 18 U.S.C. 1028A ( a ) ( 1 ), '' for knowingly transferring, possessing or using, without lawful authority, my nonpublic personal means of identification. Lastly, ALL consumer reporting agencies are in violation of " Tax Fraud '' for reporting ANY alleged collection/charge-off accounts.

Furthermore, attached consumer reports prove above stated violations, errors, and inaccuracies across ALL 3 consumer reporting agencies.

SEE AND REVIEW ALL ATTACHMENTS

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 2025-01-02 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: NC

Complaint narrative:
ALL consumer reporting agencies identified Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are in violation of the " Privacy Act of 1974, per 5 U.S.C. 552a ( b ), '' for disclosing my nonpublic personal records to other persons without my prior written request or verbal consent, and in violation of the " Gramm-Leach-Bliley Act, per 15 U.S.C. 6821 ( a ) ( 1 ), ( a ) ( 2 ), and ( a ) ( 3 ) and 15 U.S.C. 6823 ( a ) and 15 U.S.C. 6823 ( b ), '' for violating my privacy by, knowingly causing to be disclosed to multiple persons my nonpublic customer information of financial institutions, NOT relating to those persons. Additionally, by violating the " Gramm-Leach-Bliley Act, '' All consumer reporting agencies identified are also in violation of " Aggravated identity theft '' per " 18 U.S.C. 1028A ( a ) ( 1 ), '' for knowingly transferring, possessing or using, without lawful authority, my nonpublic personal means of identification. Lastly, ALL consumer reporting agencies are in violation of " Tax Fraud '' for reporting ANY alleged collection/charge-off accounts. 
Furthermore, attached consumer reports prove above stated violations, errors, and inaccuracies across ALL 3 consumer reporting agencies.

SEE AND REVIEW ALL ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: VA

Complaint narrative:
Please open an investigation into Cash App. Late night XX/XX/year> or early morning XX/XX/year>, I used cash app to add {$170.00} from my bank debit card to my cash app balance. ( I then sent that money to another accout, as this is the easiest way I know to transfer money between banks instantly in the middle of the night. ) After the transition I looked at my checking account where the money came from. Cash app had posted {$170.00} TWICE and overdrawn my checking account. I contacted cash app and they denied doing it twice and advised i speak to my bank. I went to my bank today to cover the overdraft and dispute the duplicate transaction. The bank employees said Cash App has been doing this for a month or 2- That transactions are being held twice. And that the second debit will fall off in about a week. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But cash app should not be allowed to do that! I gave permission for ONE {$170.00} transaction. And if my bank knows its been going on for sometime, cash app must know also. 
Luckily I had money to cover the overdraft. But what if I didn't? I would've ended up with an overdraft fee tonight. And then if anything else came in before the money was put back on my account on XX/XX/year>, I would have additional overdrafts. 
I hope this is a true system error and not an intentional act, hoping that some people wont notice and they may hard post the duplicate to their accts also. 
Please open an investigation into Cash App and force them to fix their system and to refund anyone that paid Overdraft fees due to their mistake. 
Thank you for your time! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief