vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-05-02 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX TU Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX TU Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  TU Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  TU Account Number : XXXX Account Name : XXXX - XXXX XXXX TU Account Number : XXXX Account Name : XXXX - XXXX XXXX TU Account Number : XXXX Inquiries : XXXX XXXX - XX/XX/XXXX : XXXXXXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX - XX/XX/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 2024-05-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Fraudulent Charges {$29.00}

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 2024-05-02 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: GA

Complaint narrative:
On XX/XX/2024 I authorized my Square payroll account to make a payment to one of my contractors. The payment was sent to the wrong account ( a closed account with XXXX XXXX  ) due to no fault of my/contractors own - the new account for payroll payment was verified Prior to the payroll payment. 

Square is claiming that XXXX still has the funds. XXXX is saying no, we don't hold funds, they go back immediately ( which has been true for 2 other transactions that went back to origin immediately ). I've contacted Square 's payroll and customer engagement departments multiple times requesting they provide the info from an ACH trace or the ref # provided by the bank ( XXXX ). I've also requested a manager call in which they said they would in 24-48 hours but have not at all. They refused to assist and even closed my case stating that the money is just lost and I will not be able to retrieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: Experian Information Solutions 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 2024-05-02 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: TX

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 2024-05-02 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: CA

Complaint narrative:
I have two American Express prepaid gift cards, each with {$50.00} on them. I have tried using the cards multiple times, online and in person, and the transactions are always declined. I have verified that the cards are valid, and that they both have {$50.00} available on them, both through their online balance check option, as well as by calling their customer service number. The customer service representative confirmed that the cards were valid and both had {$50.00} available on them, too, but offered little to no assistance in figuring out how I could get them to work. I have tried using them as split transactions along with a credit card, using them for a purchase of significantly less than the available amount, adding them to my XXXX account, adding them to my XXXX wallet, and adding them to my XXXX wallet. Nothing works, yet American Express will do nothing to help me recover the {$100.00} I have sitting there between the two cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
Called credit bureau and asked for verified proof debt was mine. Several calls and emails they refuse to give me the information but stated they did verify debt. Contacted the company the debt is through, Affirm. Called 4 times, I was hung up on every time. The 5th call I finally spoke to someone who said that they dont have to send me anything and that they will be sending me to collections. After repeated attempts, I have still received nothing from either the credit bureaus or Affirm. Now I have been sent to collections, a company called XXXX. Spoke to them and told them they can not collect until I get proof the debt is mine. Just received a bill with no proof. It states I have until XXXX XXXX to request proof of debt or I assume the debt is mine. Again, I have asked several times and they are still showing late payments on my credit and still have not sent me any proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: AZ

Complaint narrative:
Under FCRA 605B, it is required to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous reporting 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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter of urgent concern regarding my account with Navy Federal. 

On XX/XX/year>, my Navy Federal account was subject to fraudulent activity through XXXX. Upon discovering the unauthorized transactions, I took immediate action by contacting Navy Federal to report the incident. Your prompt assistance and support in addressing this issue were greatly appreciated, and I commend your team for their professionalism and responsiveness during this challenging time. 

However, I am now facing a situation where my account remains closed, presumably due to ongoing legal proceedings involving Navy Federal and the Equal Credit Opportunity Act ( ECOA ). While I understand the importance of compliance with all relevant laws and regulations, I respectfully request the reopening of my account. 

I assure you that I have always been a responsible and loyal member of Navy Federal, and I have never engaged in any activity that would jeopardize the integrity of my account or the reputation of the institution. I believe that I have demonstrated my commitment to Navy Federal over the years, and I sincerely hope that you will consider my request for the reinstatement of my account.

I am more than willing to provide any additional information or documentation that may be required to facilitate the reopening process. Please do not hesitate to contact me at your earliest convenience to discuss this matter further and to provide me with an update on the status of my account. 

Thank you for your attention to this matter. I look forward to a swift resolution and to continuing my banking relationship with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: GA

Complaint narrative:
To whom it may concern:
I am reaching out to you because of my concern for the accuracy and honesty of your
company's data. As per FCRA section 611, it is imperative that we have accurate records on file
with those who rely upon them most- which includes not just customers but also potential lenders
or employers! After doing some research into Metro 2 compliance standards as well (since they
are rather new), I've found there may be some inaccuracies in reporting going forward if these
issues aren't promptly resolved; would love any feedback possible before taking action against us
later down this road togetherMy credit report is a representation of my financial standing and I
take pride in keeping it up-to date. With that said, you have the responsibility to keep my credit
profile and report accurate, authentic, complete! Therefore I need you to provide me with
verification of everything within my credit report in a TIMELY manner. The information in my credit
report and below is inaccurate. It never had any verification, compliance with reporting laws by
means or even credibility--so now I'm going through the process of correcting this oversight
permanently!The inaccuracies that are currently on my report are having a serious negative
impact to my quality of life! The data on my credit report is of high importance and is currently
not a representation of who I am financially because its inaccurate. I'm demanding accurate
documentation so you can document me - the person who deserves status in societycorrectly!!Please make sure that all inaccuracies are removed immediately and that I am
furnished with a new credit report upon the completion of your investigations into the details of
my credit records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Fraudulent Charges {$29.00}

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 2024-05-02 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: AZ

Complaint narrative:
Under FCRA 605B, it is required to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous reporting 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have attempted MULTIPLE times to access my credit report/freeze credit function on Transunions website. It did not accept my email/password combo so i attempted several times to request a new password .... it does not sent a text to my phone nor my email to allow me to reset my password. I tried calling and only a bot MENU is provided and it WILL NOT connect me to a HUMAN BEING in order to correct this. Extremely frustrating ... no options. I'm i a loop that I CAN NOT get out of without their help but I cant get help!!!! This is one of 3 MAJOR credit union protection companies and I was instructed to contact each one to put a freeze / remove a freeze on my account and I can not. 
I tried looking on their website for any contact info and the only phone # posted puts me right back into the same loop and bot menu. Unbelievable!

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 2024-05-02 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: STELLAR BANCORP INC.
State: TX

Complaint narrative:
I am writing to dispute the recent reporting of an account on my credit report under your company 's name. It has come to my attention that this account, XXXX, was previously reported by your company under a different name over XXXX years ago. 
First and foremost, I want to assert that I have never had an account with Stellar Bank, the name under which this account is currently being reported. Therefore, the re-reporting of this account under a different name raises significant concerns regarding the accuracy and legitimacy of the reported information. 
According to the Fair Credit Reporting Act ( FCRA ), negative information such as delinquent accounts should be removed from a consumer 's credit report after seven years from the date of the delinquency. It has been brought to my attention that this account has now been re-reported by your company, albeit under a different name, thereby extending the negative impact on my credit report beyond the legally mandated timeframe. 
Furthermore, this practice raises concerns regarding compliance with FCRA guidelines and the accuracy of credit reporting. The re-reporting of the same account under a different name suggests an attempt to circumvent the statute of limitations on credit reporting, which is both unfair and in violation of consumer rights.

I request that you investigate this matter promptly and provide clarification on why this account has been re-reported under a different name after the initial reporting period had elapsed. Additionally, I urge you to cease reporting this account on my credit report and take appropriate steps to rectify any negative impact it may have caused. 
Please provide written confirmation of the actions taken to address this dispute and ensure that my credit report reflects accurate and fair information in accordance with the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 




Account info Account name XXXXXXXX XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$270.00} written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1000.00} Highest balance {$1000.00} Terms - On record until XX/XX/XXXX Account info Account name STELLAR BANK Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Open. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Original balance {$1000.00} Highest balance - Terms-

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 2024-05-02 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: CL Holdings LLC
State: NV

Complaint narrative:
The below listed collection companies can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the XXXX  and income can not be reported. The XXXX  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 these accounts inaccurate. By Definition, the XXXX  Clearly says a Cancelled debt or XXXX off is Income. The reporting of these account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX nor XXXX XXXX XXXX XXXXXXXX for the cancelled debts in order to file as ordinary income. Where is my XXXX from these collectors? Where are any copies of the XXXX forms they were required to submit? They are clearly writing off debt with the XXXX  without sending out XXXX as required by the XXXX  for XXXX greater than XXXX ( but also for any amount ). This is unsatisfactory at best and CRIMINAL at worst. 

The below noted " collectors '' have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information and I am ordering them to REMOVE these reports from the XXXX credit agencies : XXXX, XXXX and XXXX. 

CHARGED OFF ACCOUNTS REPORTING : JEFFERSON CAPITAL SYST Balance XXXXXXXX Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX Balance XXXX Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Balance XXXX Balance updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance XXXX  Balance updated XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
This company is illegally reporting misleading or false information on my credit Report! This account has been sold to a debt collector! Ive sent a letter requesting information and I havent received a response yet.

Company response to consumer: Closed with explanation