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: AZ

Complaint narrative:
In XX/XX/2023, XXXX reported my loans to credit reporting agencies, at the time these balances were correct and accurately reflected on my report ( XXXX in loans ). My XXXX loans were transferred from XXXX to XXXX in XX/XX/2023. During this time, the balances of the XXXX loans were effectively reported twice, once by XXXX and once by XXXX ( so showing double the balance due ) on my credit reports. I didn't worry about this too much because I figured the XXXX balances would drop off eventually, since they were no longer the servicer for my XXXX  loans ( loans transferred ). Fast forward to eight months later, and the balances from XXXX are still showing on my credit report. My XXXX  loans have since been paid in full to XXXX. XXXX has reported the balances as XXXX, but because XXXX has not updated the report, my reports are showing that I still have XXXX in XXXX loan debt when I actually do not. I reported this to XXXX in XX/XX/2023, and they sent me a letter saying they completed an investigation and that the report was correct. I also reported this to credit reporting agencies in XX/XX/2023, and they also contacted XXXX who said the account was correct. I do not know who to turn to get my credit updated accurately. If you search this problem on the internet you'll find that there are many many other people in this exact same predicament. This should not be this hard, and there should not be so much pushback from XXXX loan servicers. My loans have been transferred from servicer to service XXXX times before and I have never had this issue with other servicers, instead of showing a balance the last status is transferred ( so the balance isn't counted twice ).

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: NJ

Complaint narrative:
" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
In XXXX my ex wife filed bankruptcy and it went through. She is NOT on the deed and shouldn't have been on my mortgage. I have lived in my house since XXXX and have been paying my mortgage monthly. In XXXX Rushmore Loan Services pulled the account from my credit report saying that bc of the bankruptcy that the account is closed. So I asked if I still have to pay seeing that it was closed. They said yes, if not then the house will go into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX date opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XXXX XX/XX/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 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: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX and distress they are causing me.

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: 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: FL

Complaint narrative:
I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX XXXX XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection 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 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: GA

Complaint narrative:
This filing is about a non-profit account with Block , Inc. ( formerly Square, Inc. ) and Square Capital, LLC. On XX/XX/XXXX, we received a notice that Block operating platform Square decided to collect funds from our online fundraiser that we have conducted for the past XXXX  years on the Square platform through our website. Our donors paid for tickets to our upcoming event through our website, and payments were processed through the Square platform. We have conducted transactions with the platform, since XXXX. 

The platform did not notify us of any changes in service agreements before collecting the funds, nor did they inform us that there was an issue or violation of their terms or policy before deactivating the account. They have since refused to offer any suitable explanation, that can allow us to investigate the matter. It is evident that Block , Inc. ( formerly Square, Inc. ) and Square Capital , LLC, feel that withholding small business and non-profit organizations funds requires no explanation is an effective business practice. 

We reached out to inquire about the account over the past XXXX weeks. However, were blocked from speaking with live agents and got an email stating that they do not owe us any explanation for withholding funds and deactivating the account. 

We contacted the customer service department via email, with no resolution, expect a very abrupt and rude response. In addition, an email was sent to the XXXX XXXX XXXX, explaining the issue and trying to get the matter resolved. We have not heard any response from his office or his team. 

Although we have been legitimate customers for over half a decade, Block , Inc. ( formerly Square, Inc. ) and Square Capital, LLC. have neglected to fulfill their customer service standards by not notifying consumers effectively about any terms of service changes. Block is also withholding funds of small businesses and non-profits for financial profit to shareholders.

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: 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: VA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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: 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: VA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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: VA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I've identified fraudulent inquiries on my 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX Events : On XX/XX/24 A vendor check, # XXXX for {$780.00} was mailed to a vendor. On XX/XX/24 this check was processed by our bank, Truist, and paid to vendor. On XX/XX/24 check # XXXX was fraudulently copied and presented to XXXX XXXX XXXXXXXX for deposit in the amount of {$2900.00}, made payable to XXXX XXXX. On XX/XX/24 Truist reprocessed this same check # XXXX and payed XXXX XXXX  XXXX. 

On XX/XX/24 check # XXXX for {$340.00} and on XX/XX/24 check # XXXX for {$1800.00} were mailed to vendors. Check # XXXX was paid by Truist on XX/XX/24 however, both checks were also whitewashed and reprinted. Check # XXXX was made payable to XXXX XXXX XXXX for {$2300.00} and check # XXXX to XXXX XXXX XXXX for {$2500.00}. Both checks were cashed at the teller level on XX/XX/24 and check # XXXX was also a reprocessed check as Truist had already paid this check. 

Truist is refusing to reimburse for these fradulant, duplicated and reprocessed checks. They sent a form letter stating the fraud case is closed. We attempted an escalation without success.

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: GA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and anxiety.

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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
Went to Renown ER last XX/XX/2023. I didnt know I have a different bill other than what Renown billed me because I didnt receive any bill from XXXX XXXX XXXXXXXX but they sent my medical bill to collections agency without any notice amounting {$920.00}. I just knew I had the bill because I was going through my insurance app. They said they sent the bill but the collections agency told me they did not because they dont have my Apartments Unit number. I tried to work with them and the collections want to charge me interest. Its so unfair because if they just sent me the bill, I wont have to deal with collections and I know Im always on top of my payables because I dont want a negative impact on my credit score.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In XXXX, while I was away XXXX XXXX XXXX XXXX my father obtained more than XXXX XXXX in fraudulent debt/credit in my name. While I have been able to have most of this fraudulent activity removed, there are some accounts/creditors that remain. I did not receive any benefit from these accounts nor did I know anything about them until XXXX I filed a police report but can not access a copy, and have been unable to file another report due to my traveling schedule. I have submitted several fraud investigations with the credit bureaus but they have not taken the appropriate action.

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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PREFERRED CREDIT INC
State: MA

Complaint narrative:
Leased a XXXX vacuum back in XX/XX/2024, requested a cancellation of the contract due to not being able to afford the product anymore and not being able to even use the product due to them not sending out the proper equipment needed in XX/XX/2024, payment were not scheduled to start until XXXX XXXX they are refusing the cancel the policy and saying this will impact my credit and will also be getting late fees for each month i do not pay. 
Also did not receive documents from PCI ( preferred credit inc ) that this will go towards my credit if not paid, until after i submitted the notice for cancellation End of XX/XX/2024 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
My family moved into XXXX XXXX XXXX on XX/XX/XXXX. The building was " XXXX ''. My lease was for {$1400.00} for the unit, and {$100.00} for parking each month. The terms of the lease that I signed included that I needed to give at least 30 days written notice of intent to move out. I gave XXXX days notice via email to the building XXXX on XX/XX/XXXX, XXXX told me that I needed to give 60 days notice, however that was not a term of the lease I signed. I paid all of my rent and parking fees through the whole period. I have documentation of that. I tried to schedule a walkthrough with the building before I left but they said to just leave the keys inside the apartment. I took a video on XX/XX/XXXX at XXXX, the day we moved out, to show the condition of the apartment. It was very clean. I was not contacted by XXXX regarding any owed debts at all after I moved out. I then got a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. They said I owed {$1100.00} ( XXXX # : XXXX ) from XXXX. I requested validation of the debt and they mailed it out on XX/XX/XXXX and I received it on XX/XX/XXXX. It included vague charges including " Charge- gross potential rent '' and " Charge - parking other '' and " Charge - Damages ''. There were no details of the specifics of what was owed. I do not owe those debts. There was also a security deposit of {$1200.00}. It was never returned to me and it is not clear why it was not used for any of those alleged debts.

Company response to consumer: Closed with non-monetary relief