vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: SC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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 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 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 2024-11-24 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: SC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$8400.00XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$8400.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$530.00} XXXX XXXX XXXX  XXXX Account number XXXX Date XXXX XX/XX/XXXX Open/closed Closed Balance {$8400.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: NC

Complaint narrative:
I requested information from the company and all three credit bureaus reporting inaccurate information on my credit report regarding this car loan.

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 2024-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents, that i may review to see if this account is valid. Moreover i contacted the original debt collector and they do not have my information on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: NJ

Complaint narrative:
XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Dispute Results XXXX The results of the dispute you filed on XX/XX/XXXX with XXXX are complete. XXXX here is the status of the item ( s ) included in your dispute XXXX XXXX XXXX XXXX  XXXX XXXX XXXX See Dispute Results-Details How should I read my dispute results? 
l Deleted means, we have removed the item from your credit report. 
l Updated means, we have updated one or more fields on the item based on the information you provided us with or that we received from the reporting company.

l Verified as Reported means, the reporting company has certified it is reporting the item accurately.

For an added convenience, use one of the below options to start a new dispute or check the status of a dispute in-process. 
Visit us at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ).

Dispute Results - Details Inquiries This section includes requests to view your credit report. There are XXXX types of inquiries - those that impact your credit rating and those that do not. Inquiries that do not impact your credit rating/score are those from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit report. 
We reviewed the Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Hard / Credit Score Impact XXXX XXXX Date : XX/XX/XXXX Confirmation XXXX XXXXXXXX Dispute Results XXXX The results of the dispute you filed on XX/XX/XXXX with XXXX are complete. At-a-glance, here is the status of the item ( s ) included in your dispute : q Inquiry : XXXXXXXX XXXX XXXX XXXX  XXXXXXXX the Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Hard / Credit Score Impact The reason you disputed this item : I didn't give this company authorization to access my credit report for this reason. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the XXXX credit report for up to XXXX ( XXXX ) years from the date of the inquiry. 
Here are a few things to know about the credit report dispute process If we were able to make changes to your credit report based on the information you provided, we have done so. Otherwise, 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 2024-11-24 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: NJ

Complaint narrative:
XXXX XXXX Date : XX/XX/XXXX Confirmation # XXXX Dispute Results At-a-Glance The results of the dispute you filed on XX/XX/XXXX with XXXX are complete. At-a-glance, here is the status of the item ( s ) included in your dispute : q Inquiry : XXXX XXXX XXXX See Dispute Results-Details How should I read my dispute results? 
l Deleted means, we have removed the item from your credit report.

l Updated means, we have updated one or more fields on the item based on the information you provided us with or that we received from the reporting company. 
l Verified as Reported means, the reporting company has certified it is reporting the item accurately. 
For an added convenience, use one of the below options to start a new dispute or check the status of a dispute in-process. 
Visit us at equifax.com/personal/disputes or Call us toll-free at XXXX ( XXXX XXXX ).

Dispute Results - Details Inquiries This section includes requests to view your credit report. There are XXXX types of inquiries - those that impact your credit rating and those that do not. Inquiries that do not impact your credit rating/score are those from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit report. 
We reviewed the Inquiry : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Type : Hard / Credit Score Impact XXXX XXXX Date : XX/XX/XXXX Confirmation # XXXX Dispute Results At-a-Glance The results of the dispute you filed on XX/XX/XXXX with XXXX are complete. At-a-glance, here is the status of the item ( s ) included in your dispute : q Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX.eviewed the Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Hard / Credit Score Impact The reason you disputed this item : I didn't give this company authorization to access my credit report for this reason. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the XXXX credit report for up to XXXX ( XXXX ) years from the date of the inquiry. 
Here are a few things to know about the credit report dispute process If we were able to make changes to your credit report based on the information you provided, we have done so. Otherwise, w

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 2024-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AK

Complaint narrative:
I made the following XXXX purchases on Cash app : - XX/XX/year> : XXXX XXXX for {$300.00} - XX/XX/year> XXXX XXXX for {$300.00} - XX/XX/year> XXXX XXXX for {$300.00} On XX/XX/year> I attempted to withdraw XXXX to an external XXXX XXXX  that I personally own and control. Upon verifying the amount, XXXX XXXX  address, and using biometrics on my app to submit the transaction I was notified by Cash App that the transaction was canceled. Specifically, the app said " this withdrawal was canceled for your protection. '' I attempted the same withdrawal attempt on another two wallets that I own with the same result. 

On XX/XX/year> I reached out to customer support to notify them that my withdrawals were canceled and ask how to clear the apparent hold on my funds. The first representative ( XXXX ) transferred me to another " bitcoin specialist '' named XXXX. He notified me of the following : " For security purposes, bitcoin transactions are subject to review and occasionally transactions are declined. Please transfer the funds to a different bitcoin wallet, or you can also sell your bitcoin and transfer the dollar amount to a linked bank account. For more information visit our Acceptable Use Policy. '' I informed him that his solution was not acceptable as I do not wish to sell my XXXX and incur short term XXXX XXXX XXXX and I had already attempted to transfer to every wallet that I own with no success. He then stated that " we're unable to provide the specific reason behind why your rattempted withdrawal has become rejected. '' He then sent the complaint for review for review and " resolved '' the complaint portion of my case despite my disagreement with him doing so. 

I was provided a case number of XXXX and on XX/XX/year> reached out for further updates on my complaint with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SN SERVICING CORPORATION
State: NC

Complaint narrative:
SN Servicing Corporation Customer service representative refused to report VA Mortgage to all credit bureaus starting from initial month of XXXX over recorded phone line XXXX inhibiting credit score increase eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion has currently violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information Account past due amount invalid, already paid and reporting well over amount in attempt to hurt credit. Transunion report has been modified with invalid data to punish and cohere consumer

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681 Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate When asked to validate Agreement that grants the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor where I agreed to pa
y the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I am also requesting The means of which this information was VERIFIED and VALIDATED NO INFORMATION OF WAS RETURNED Not only is Transunion violating consumer rights they are also failing to investigate issues which has been a persistent issue.attached you will see a paper that does not validate debt properly or provide any information above consumer signing for debt

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 2024-11-24 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: CA

Complaint narrative:
I recently received a copy of my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I made a deposit into my business account ending in XXXX for {$14000.00} on XX/XX/2024. Almost {$9000.00} months as available in the early hours of the XXXX. By the afternoon of the XXXX my account was negative. It wasnt negative prior to deposit. No one can explain why a check that posted would cause a negative balance. I spoke to XXXX XXXX at the XXXX branch and he couldnt answer, neither could the back office. This caused my other accounts to incur overdraft fees since I wasnt able to transfer. Its also causing an enormous strain on my business and its ability to operate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-24 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint I Filed an FTC identity theft affidavit to report 15 fraudulent accounts apeearing on my consumer fico XXXX credit report which I do not recognize as reported and which are the results of identity theft and fraud. These fraudulent accounts consist of a collection account opened at 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 these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fico credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-11-24 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: CA

Complaint narrative:
I don't recognize this address please remove thank you XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX CA 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 2024-11-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I never signed any agreements with JJ Marshall & Associates. They are reporting inaccurate information, which constitutes fraud. They have listed the account as open, even though it should not appear on my credit report. Additionally, they have labeled themselves as the original creditor, which is not correct. I will report them to the IRS and to all three credit bureaus.

Company response to consumer: Closed with explanation