vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Kindly update my account this causing me a lot of stress and 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 2024-05-09 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:
Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.

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 2024-05-09 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 has violate my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 states a consumer reporting agency can not furnish an account with my written consent.

15 U.S.C 1681 i ( a ) ensures me that everything being reported should 100 % accurate

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 2024-05-09 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: AL

Complaint narrative:
XXXX- Opened XX/XX/year> Open Balance {$130.00}. I have no knowledge of this account! I have no contract with this company. This had affected my credit score.

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 2024-05-09 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: IL

Complaint narrative:
Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC

Complaint narrative:
I am having issues opening a bank account due to erroneous and incorrect information which were a result of bank error and malfeasance. I previously spoke with a female bank vp years ago regarding the issue and error and was under the impression the matter had been resolved and the account closed. I am not sure why the account is showing delinquent or write off status and have documents to support my account history and where the error caused an issue with the account. This account needs to be remove from my record and profile. I never was given detailed info for where the delinquent money in the amount of - {$1400.00} came from. My prior statements support my claim and provide no insight or detail into the delinquency fees or charges resulting in the above referenced amount

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 2024-05-09 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: DC

Complaint narrative:
I am having issues opening a bank account due to erroneous and incorrect information which were a result of bank error and malfeasance. I previously spoke with a female bank vp years ago regarding the issue and error and was under the impression the matter had been resolved and the account closed. I am not sure why the account is showing delinquent or write off status and have documents to support my account history and where the error caused an issue with the account. This account needs to be remove from my record and profile. I never was given detailed info for where the delinquent money in the amount of - {$1400.00} came from. My prior statements support my claim and provide no insight or detail into the delinquency fees or charges resulting in the above referenced amount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: DC

Complaint narrative:
I am having issues opening a bank account due to erroneous and incorrect information which were a result of bank error and malfeasance. I previously spoke with a female bank vp years ago regarding the issue and error and was under the impression the matter had been resolved and the account closed. I am not sure why the account is showing delinquent or write off status and have documents to support my account history and where the error caused an issue with the account. This account needs to be remove from my record and profile. I never was given detailed info for where the delinquent money in the amount of - {$1400.00} came from. My prior statements support my claim and provide no insight or detail into the delinquency fees or charges resulting in the above referenced amount

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I lost my wallet and phone in XXXX Florida on XX/XX/year>. That night {$4000.00} was spent on my credit cards and {$5600.00} was XXXX  out of my business account to brand new contacts that were added minutes before. I did not authorize any of these charges. I called chase bank when I returned back to XXXX Texas on XX/XX/year> to report my phone and wallet and these unauthorized transactions. Chase bank credited me for the unauthorized charges on my credit cards and denied my claim for the unauthorized XXXX charges with reasoning that my XXXX ID on my phone was used to sign in on the app and send the transfer. I did not authorize these transfers. As stated before I lost my phone and wallet, and these transactions were made after that. I can understand how they came to the conclusion, but in the end I was not the one who made these transactions nor did I authorize them. No one else has access to my account. It is not my duty to figure out how this happened, all I know is I did not authorize these transactions, therefore they are fraudulent. I have followed up with them and the refuse to do anything. I am a long time chase customer for over XXXX years, and have rarely ever reported any fraud. I am disappointed in their customer support, they don't seem to care at all. As well as being out {$5600.00} XXXX has ultimately told me they think im lying and to XXXX off. I guess that's what for being a loyal customer. Thanks chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently made timely payments on this account, ensuring they are never overdue. However, I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-09 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: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Please delete these inquiries. I have no information about them, and the company acted without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have a CashApp account. I can not log into this account because of an unexplained error with my phone and the app - their support has been unable to help me correct this problem. I can get access to my account on the web, but the web version of my account doesn't allow me to close the account. When I tried to, then, tell them I wanted to delete my account, I was told that I can not delete my account while there are funds in the account. I can not remove those funds from the account without access to the app, which they can not provide me. I was finally told by the representative that she could not pass me on to a supervisor for this, and then she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im begging you please remove this to the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I beg you please remove this from the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TN

Complaint narrative:
Here 's a more formal, legalese version of the complaint : " I am hereby lodging a formal complaint against Cash App for the improper blocking of my account and the withholding of my XXXX funds. Despite my full compliance with their documentary requests, including providing all requested identification and verification documents, Cash App has failed to provide any mechanism through which I can access my funds. It has been nearly a week since the account was blocked, and I remain unable to retrieve my legally owned currency. I respectfully request immediate intervention to ensure access to my assets and a resolution to this unjust withholding of my funds. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
My loans from The XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA are to be fully discharged, due to the fact that this school was found by the U.S. Department of Education to have operated on false promises, lies, manipulation, falsified data, knowingly misled students, cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies. This was all done by this school in order to profit off students loans.

Therefore, and with that being said, Aidvantage has yet to fully discharge my loan ( s ) balances listed on my account and forward all refunds due to me per the U.S. Department of Education 's rulings. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've got a 360 account with them year ago I have know access to that old number 12 months ago I've moved had gotten a recovery phone that I lost the other one. They choose to stereo type because XXXX  good credit so figure let 's give XXXX XXXX XXXX XXXX had my cards one week without activation why capital one wants to upset individual.i sent fax paper to capital one thru XXXX  XXXX would fax them a copy of my XXXX XXXX XXXX XXXX XXXX of general relief my social worker willing to email a copy of who I am know couldn't accept. Wow they know who I am trying to make me remember a year ago phone number of mine I can't I've updated knew XXXX phone. Social security number exist in their system but my phone number doesn't there for can't activate your cards.im stuck with a none activated card credit score now XXXX points added on to hurt my credit score for a none activated card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I ensure my payments are always made on time. Yet, I'm baffled by the sporadic instances where this company reports late payments, contradicting my meticulous record-keeping. USC 1666b mandates swift correction of billing errors and accurate payment documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: IL

Complaint narrative:
It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item 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 2024-05-09 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: IL

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

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 2024-05-10 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: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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