vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXate of Birth : XX/XX/year> SS # : XXXX Subject : DISPUTE OF LATE PAYMENT INFORMATION To Whom It May Concern, I am writing this letter to formally complain that my previous request has been ignored and that you have failed to uphold reasonable procedures in your operations to ensure the highest level of accuracy in the credit reports you publish. The laws regarding credit reporting require that bureaus only report completely accurate credit information, and every effort must be made to guarantee the accuracy and correctness of the information being reported. 



ERROR IN THE INFORMATION REPORTED 1. XXXX XXXX  Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

It is imperative that this information be promptly removed from my credit report. It is not only inaccurate but also misleading, and its inclusion in your report constitutes a grave reporting error. 

According to federal law, you have a period of thirty ( 30 ) days to complete the reinvestigation.

Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file.

Additionally, I would like to remind you that, under Section 62XXXX of the FCRA, information providers ( XXXX BANK ) are obligated not to report false or inaccurate information. Since I have not received a response to my direct disputes with the creditors, I am requesting that you, as a credit bureau, take the necessary steps to ensure the information on my report is accurate. 

Furthermore, in accordance with Section 611 ( a ) ( 6 ) of the FCRA, I request that you notify me in writing of the results of your investigation, and if any changes are made to my report, please provide me with a free copy of the updated report. I would also like to remind you that, should this inaccurate information not be corrected, I have the right to seek compensation for any damages caused under Sections XXXX and XXXX of the FCRA. 

Thank you for your immediate attention to this matter. 

Regards/Sincerely, 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 2024-10-30 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: CA

Complaint narrative:
I am writing to formally request the removal of an inaccurate Chapter XXXX bankruptcy record from my credit report under the Fair Credit Reporting Act ( FCRA ). The details of the record in question are as follows : Reference Number : XXXX Date Filed/Reported : XX/XX/year> This bankruptcy entry has caused significant financial and emotional hardship, severely impacting my ability to provide for myself and my family. I believe the record has either been inaccurately reported or has remained on my credit report longer than permitted under the FCRA.

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 2024-10-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of an inaccurate Chapter XXXX bankruptcy record from my credit report under the Fair Credit Reporting Act ( FCRA ). The details of the record in question are as follows : Reference Number : XXXX Date Filed/Reported : XX/XX/year> This bankruptcy entry has caused significant financial and emotional hardship, severely impacting my ability to provide for myself and my family. I believe the record has either been inaccurately reported or has remained on my credit report longer than permitted under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: FL

Complaint narrative:
This is to express my deep dissatisfaction and concern regarding the holding of the funds in my Square account. As of XX/XX/year> I got a mail from square that my account has been deactivated and my balance totaling {$61000.00} will be withheld for a period of 90 days, right now it's been over 7 months and my funds is still yet to be released which has impact my ability to conduct business and meet financial obligations. 

Despite my persistent efforts to resolve this issue through square customer support channels, I have encountered nothing but delays and unhelpful responses. The lack of transparency regarding the reasons for withholding my funds only adds to my frustration. 

I urgently request the immediate release of my funds. The detrimental effects of this hold on my business operations can not be overstated. It is imperative that this matter is addressed with the utmost urgency and efficiency. Failure to resolve this issue promptly will leave me with no choice but to pursue further action to safeguard my interests. 

I trust that you will prioritize this complaint and take swift action. I eagerly await your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2024-10-30 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 have had trouble disputing with the credit reporting agencies. There are unauthorized accounts reporting on my credit file that I am requesting to be removed from my file. I have supplied all appropriate documentation. Experian did not conduct a proper investigation before reporting this information, violating multiple provisions of the FCRA. indicating a violation of the Fair Credit Reporting Act 's requirement for maximum accuracy under 15 U.S.C. 1681e ( b )., which requires consumer reporting agencies to maintain reasonable procedures for maximum accuracy in reporting

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 2024-10-30 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: T.S. Holdings
State: CT

Complaint narrative:
On XX/XX/year> I became aware that IQ, Int'l, Inc filed a invalid debt on my credit reports.I called the company and soke with XXXX XXXX who transferred the call to XXXX XXXX when I asked for an invoice or bill and copy of the contract between IQ, Int'l and XXXX XXXX. XXXX XXXX said " NO. Pay your bill. '' I asked, again, for the verification of a debt or contract between us. XXXX told me to write and mail a letter making the request. I chose not to do that at my time and expense when a phone call is enough to prove that XXXX XXXX and IQ Int'l hae not made any contracts that resulted in a debt owed IQ, Int'l, Inc from XXXX XXXX XXXX 

I want the lies by IQ, Int'l, Inc removed from all the credit reporting agencies and I want a government lawsuit for Extortion filed against IQ, Int'l, Inc. as they are demanding money from XXXX XXXX under the threat that unless she pays them without any contract or knowledge of the debt they have assigned to her credit reports, she suffers bad credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: MO

Complaint narrative:
Inaccurate late payment entries appear on my report. Adjust these to reflect my real payment behavior.

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 2024-10-30 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 have had trouble disputing with the credit reporting agencies. There are unauthorized accounts reporting on my credit file that I am requesting to be removed from my file. I have supplied all appropriate documentation. Experian did not conduct a proper investigation before reporting this information, violating multiple provisions of the FCRA. indicating a violation of the Fair Credit Reporting Act 's requirement for maximum accuracy under 15 U.S.C. 1681e ( b )., which requires consumer reporting agencies to maintain reasonable procedures for maximum accuracy in reporting

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 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an unauthorized and inaccurate debt collection attempt and credit reporting by CAINE & WEINER COMPANY , INC . The information on my account in the amount of {$670.00} are unlawful and I have never had any business relationship, contract, or agreement with this company, nor have I authorized them to use or report my personal information in relation to any alleged debt. Therefore, their actions violate my rights under the law. Key Details of My Complaint : -No prior business relationship : I have never engaged in any financial agreement, service, or contract with CAINE & WEINER COMPANY , INC . There is no evidence or documentation of such an agreement. -Unauthorized use of personal information : CAINE & WEINER COMPANY , INC has accessed and used my personal information to report a debt on my credit report, which is unauthorized and unwarranted. -Inaccurate and misleading reporting : They are reporting an alleged debt to the credit bureaus that is inaccurate and misrepresents my financial history. Relevant Laws Under the UCC : Under the Uniform Commercial Code ( UCC ), certain sections highlight the importance of valid agreements and the rightful ownership of debt. I would like to reference the following in relation to this matter : 1. ) UCC 9-210 - Request for Accounting : I have the right to request an accurate accounting of the alleged debt, including proof of ownership and transfer of the debt to CAINE & WEINER COMPANY , INC. To date, I have received no such documentation, meaning they can not rightfully collect or report the debt. 2. ) UCC 1-201 ( b ) ( 20 ) - Holder in Due Course : CAINE & WEINER COMPANY , INC.has not provided evidence that they are the holder in due course of the alleged debt. Without proof of such status, they lack the legal standing to collect on or report the debt. 3. ) UCC 9-609 - Secured Partys Right to Take Possession After Default : CAINE & WEINER COMPANY , INC.has no valid security interest in my property, nor have I defaulted on any legitimate obligation to them. Their attempt to collect and report this debt is not legally justified under UCC laws. Requested Resolution : I request the following actions from all parties, CAINE & WEINER COMPANY , INCXXXX XXXX XXXX XXXX XXXX and XXXX. XXXX. ) XXXXmmediate removal of the inaccurate and unauthorized debt from my credit report. 2. ) A formal investigation into CAINE & WEINER COMPANY, INC.practices regarding the collection and reporting of debts they do not have a legal right to. 3. ) A written confirmation from CAINE & WEINER COMPANY , INC that they have ceased all collection efforts and will not report any further unauthorized information to the credit bureaus. Thank you for your time and attention to this matter. I look forward to your swift response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: MA

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 XXXX 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 explanation
Consumer complaint received 2024-10-30 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: CA

Complaint narrative:
My credit report contains multiple accounts that seem to have been added without my consent. I request urgent removal and blocking of these fraudulent entries.

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 2024-10-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I filed a claim for fraud charges on my debit card. Per Bank of America policies and procedures the card should have been closed immediately. I was told it was closed and everything would be taken care of. Due to a BANK ERROR the card was never closed and they allowed my account to be used by the thieves for a full calendar year and I was robbed of over {$12000.00} dollars. After nearly four ( 4 ) years of waiting my first claim in XXXX on this account was finally settled in my favor. Bank of America also reimbursed me for the months of XXXX and XX/XX/XXXX ( they missed multiple transactions for approximately {$870.00} and denied my claim for the missing charges because it was similar to my shopping habits from XXXX and XXXX. Which was already paid to me because video surveillance and police report verified fraud. ) I have been trying to get the remaining balance owed to me from the bank error with no luck and no help from anywhere. Bank of America denies wrong doing and said I never requested to close my card or stop payment on the stolen card. I am including a copy of two letters from Bank of America which says that despite me requesting a stop payment on the funds, Bank of America continued to pay funds against my wishes, until XXXX. I once again requested a reimbursement for the bank error with XXXX letters now that verified my claim and I was denied again. Despite the overwhelming evidence. I am respectfully requesting the CFPB to please assist me in getting reimbursed for the money that was stolen from me. I have been more than patient trying to deal with the bank and get nothing in return. They auto deny my requests and despite me requesting a detailed reason for denial, I get the same auto response from them.

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 2024-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OK

Complaint narrative:
Hello, Ive sent two debt verification letters. One within 30 days of notice of collections and the 2nd at 30days of no response to first letter. In both letters it stated that I requested written communication only. They have called incessantly daily.Thank you for your time and effort. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit report includes accounts I believe are unauthorized. I request these accounts be removed and blocked as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/year> Re Acct # ( XXXX ) This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation '', that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information recelved from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2024-10-30 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 explanation
Consumer complaint received 2024-10-30 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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