vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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:
My name is XXXX XXXX XXXX, Consumer currently residing at XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing the complaint because XXXX XXXX XXXX sent a consumer credit report for XXXX XXXX XXXX, Consumer on XX/XX/XXXX, confirmation number : XXXX, stating that, " The disputed item is not currently reporting on the XXXX CREDIT FILE. COMPANY NAME : XXXX XXXX ; ACCOUNT NUMBER : XXXX. '' However, this is false and misleading information seeing as though XXXX XXXX is still reporting on the XXXX credit file of XXXX XXXX XXXX as of XX/XX/XXXX on multiple platform including XXXX  and XXXX XXXX. I spoke with XXXX an XXXX customer services representative, who provided confirmation number : XXXX, stating that, " the report was sent after XXXX XXXX agreed to remove the account from the XXXX credit file of XXXX XXXX XXXX, Consumer. This account should no longer report on the XXXX credit profile of XXXX XXXX XXXX. '' This conversation was recorded by XXXX AND XXXX XXXX XXXX. XXXX also reported on the Consumer Financial Protection Bureau, Case Number : XXXX, that this account is not reporting currently reporting. However, it is still reporting. 

XXXX has already removed this inaccurate, negative, inequitable account from the credit file of XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
On my XXXX credit report the following inquires appear in which I did not authorize. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX Citizens Bank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I have reached out to each company and they stated there is no account open and no proof of me requesting their services. I have contacted XXXX multiple times and they are refusing to remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
On my XXXX credit report the following inquires appear in which I did not authorize. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Truist XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I have reached out to each company and they stated there is no account open and no proof of me requesting their services. I have contacted XXXX multiple times and they are refusing to remove from my 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 2024-04-26 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: PA

Complaint narrative:
I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

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 2024-04-26 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: DC

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 2024-04-26 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: IL

Complaint narrative:
I am aware that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting. According to the law, I am entitled to {$1000.00} for each incorrect entry 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 explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is 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 explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 explanation
Consumer complaint received 2024-04-26 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: MA

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 2024-04-26 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: MA

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 non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-26 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: PA

Complaint narrative:
I recently discovered that I am the victim of identity theft. There are inquiries and addresses on my report that do not belong to me. Please remove these hard inquiries and addresses immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>. 

Addresses : XXXX XXXX XXXX XXXX XXXX, PA 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 2024-04-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app has been keeping my money, they refuse to refund pending transactions. Cashapp makes up rules for when they release holds from certain business. Sometime you can be refunded immediately and other time you wait 14-31 days to release the funds. ( Hoping you forget, so they can void the transaction. ) so when they void transactions from pending, the information about the hold disappears and any information is vanished. Some cases cashapp balance stays the same when it should have been refunded the pending transaction amount. But theres no proof to dispute the missing funds, and it results in being robbed by cashapp. For them to achieve this they have to deny your request to release the hold on the pending transaction, blaming the business for the hold up. Ive been refunded within the hour of canceling from the business. So its clearly cashapp holding the funds from their customers, then denying and making up rules as they please. Ive contacted at least 3 times a week over the last year and had no success, all I get is : do not have any new information to provide regarding this issue. 

For questions or concerns outside of this case, please reply back to me here. 
If you have any questions or concerns outside of this case, please feel free to respond. 



My concerns and questions are literally ignored every time. I have yet to receive any sort of resolution for my missing money and have no idea how much is actually missing. I want to be provided the information of every time my card is used. They wont show me my own information they find their referring to because its private. My information about my account shouldnt be private when I request the proof. I have to show proof when I have a problem, they should have to show proof. I have my own evidence that the representative makes up rules and blatantly lies multiple times. They just hang up when they are backed into a corner and have confused them selves. 

Im fed up with being ignored and hung up on. There is absolutely nothing more I can do to solve anything with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase sent me a mailer promotion in XX/XX/XXXX, which stated a {$900.00} bonus deposit for opening both a checkings account with a direct deposit added and a savings account with a {$15000.00} deposit within 90 days of coupon enrollment. It states a bonus of {$300.00} for the checkings account, {$200.00} for the savings account and an extra {$400.00} for opening both and meeting all criteria, for a total of {$900.00}. 

I received the mailer in XX/XX/XXXX, signed up and opened both accounts at same time ( XX/XX/XXXX ) online with the same code ( code on mailer ) for both accounts. Opened these online at same time. 

I linked my direct deposit and the first direct deposit to this new checkings account entered on XX/XX/XXXX. The {$15000.00} to savings entered the savings account on XX/XX/XXXX. 

On XX/XX/XXXX I received the {$300.00} for checkings and the {$200.00} for the savings but never received the extra {$400.00}. The first time I called Chase, they said this is still in process and all I need is to wait. 

Patiently waited a week, then called again. Rep was very rude and said nothing she can do. She said I didnt meet criteria. 

Called a week after that and was escalated. Case was opened and Id get a call back with an answer. 
Week later, no call. I call them back and rep says the waitlist is long and could take up to 2 weeks to get that call back from escalation team.

2 weeks?! Sounds terrible but what can I do at this point. So I wait. Couple days after that, its XX/XX/XXXX at this point, I get a call and the rep is checking my account. Says I apparently used 2 different codes when I opened these accounts at the bank. First off, I opened both online, at the same time, with same code. I get put on hold. 

She comes back and says I didnt meet the criteria for the additional {$400.00}. As far as I can tell, and Ive read the fine print, its the same criteria for the {$300.00} savings bonus as it is for the extra {$400.00}. So if I got the {$300.00}, I should get the {$400.00}. This explanation has no backing or they missed adding info in their mailer if thats the case. 

Lastly she says that the promo code I used was not for the {$900.00} bonus, but only for the {$300.00} and {$200.00}. She said the {$900.00} bonus was not implemented until XX/XX/XXXX. Thats also incorrect. I kept the original mailer for this very reason. It clearly states a {$900.00} bonus. 

Chase has offered to give me the additional {$400.00} bonus if I keep the funds in account for an additional 90 days. That is not an acceptable solution. Ive learned my lesson working with Chase and its not been positive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Collection agencies are buying off a fraudulent debt from 10 years ago apparently and have ways of renewing a debt that was never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15USC 1681 Section 602 stated I have the right to privacy. 15USC 1681-Section 604A- Section 2 states a consumer reporting agency can't furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit account under an open and a consumer credit product as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX  - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EMPLOYER - XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: AZ

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. I have already submitted a complaint and I have requested information regarding the accounts below over 120 days ago and have not received any information or a resolution from the companies listed. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name : DEPT OF ED/XXXX  # XXXX has violated my rights. 


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 2024-04-26 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: FL

Complaint narrative:
Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.

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