vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently submitted a dispute with XXXX, XXXX and XXXX about an account that was placed with you of inaccurate information that is being reported. XXXX came back and said it was Verified I can guaranteed and prove a poorly investigation was done. I haven't been notified of my rights to dispute said debt. You never reached out with an attempt to collect a debt. 

I am requesting that you provide me with the following : 1. Purchase agreement 2. Original Creditor 3. Date Opened 4. Date account was sold 5. Date of Charged-Off 6. Date of First Delinquency 7. Date of Last Payment 8. Balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I went to a friend 's house & it had been a very long day & I left in the XXXX & went home. Not realizing until after I got home & laid the XXXX down to sleep, I left/forgot my phone at her house. So I had someone come sit with the XXXX & I went back to get my phone. I got my phone finally & got back home only to realize I had a cashapp notification stating I transferred {$3900.00} to another cashapp customer! BUT I DID NOT & I sure didn't authorize anyone to do such a thing. So I rushed & contacted cashapp & filed a dispute/reported the unauthorized transfer. They refused to help, although they filed the dispute. The dispute was denied over & over & over & even after contacting XXXX XXXX, XXXX of cashapp to let him know what happened, I was contacted by an agent in the dispute department ALTHOUGH DENIED AGAIN! I'm out {$3900.00} & that's all the money I had to my name. I have XXXXXXXX XXXX  to take care of & it has deeply impacted my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
PLEASE BLOCK AND REMOVE I earnestly implore you to take immediate and decisive action to remove the fraudulent accounts from 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 explanation
Consumer complaint received 2024-06-06 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE I earnestly implore you to take immediate and decisive action to remove the fraudulent accounts from 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 explanation
Consumer complaint received 2024-06-06 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: OH

Complaint narrative:
I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: OH

Complaint narrative:
I did not file any disputes with Experian this year and yet I am receiving daily emails. Can i have {>= $1,000,000} because I didnt file a dispute into my accounts nor I knew about my any dispute. I was surprised by the emails I received at XXXXXXXX XXXX XXXX, or 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 2024-06-06 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: NE

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: NJ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-06 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: NJ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-06 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: NC

Complaint narrative:
Ive recently received a copy of my credit report and Ive noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my XXXX and credit 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 2024-06-06 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:
PLEASE BLOCK AND REMOVE I earnestly implore you to take immediate and decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I use the Robinhood brokerage account, to receive an XXXX XXXX transfer to my wallet. 
later I found out that it is a Custodial wallet. 
I do not have access to a recovery phrase ..., this is not the RobinHood wallet, this is the RobinHood brokerage account, that I use for stocks. 
I sent XXXX  with XXXX from XXXX, I clicked on my XXXX wallet and I clicked receive in order to get the receiving code. 
Since XXXX and XXXX are on the same network, it still shows up in my wallet. 
that's not the problem. The problem is accessing those funds. being that I do not have a recovery phrase. The only people to have the recovery phrase to send back the amount to the original wallet is the management of XXXX XXXX and they've been tossing me back and forth and not working with me to recover These funds of * XXXX XXXX I'm hoping you will help me out here to recover this funds I will attach the information about this transaction here : Robinhood XXXX XXXX : XXXX Interacted with XXXX XXXXXXXX : XXXXXXXX XXXX wallet : XXXX Transaction XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: NE

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX to my reputation, my character, my mode of living and to my XXXX 

I demand the late payment reported on those accounts to be removed. 

They are not in compliance with the following law. XXXX5 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

CAPITAL ONE, ELAN FIN, COBALT JPMCB CARD Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-06 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: MD

Complaint narrative:
I am writing to urgently seek your intervention regarding significant and ongoing violations committed by Experian, XXXX, and XXXX. These credit reporting agencies have breached several federal regulations, including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). These breaches have severely impacted my credit profile and financial standing.

The specific issues are as follows : 1. Reporting of Inaccurate Information : * My credit reports contain numerous inaccuracies, such as incorrect late payment
records, erroneous account statuses, and inaccurate balances.

* The agencies have failed to update my address, despite my explicit instructions that I have only one address.

* My name appears with multiple variations, although I have provided the correct spelling.

2. Violation of Legal Standards : * According to 15 U
SC 1681, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' * My right to have accurate and consistent credit reports across all three bureaus has been disregarded.

3. Lack of Response and Rectification : * Despite numerous requests for corrections and updates, the credit reporting agencies have not addressed the inaccuracies.

* I have requested written communication confirming the updates to my profile, but my requests have been ignored. 
These ongoing issues have caused significant distress and financial harm. The inaccuracies on my credit report affect my ability to obtain credit and can lead to higher interest rates or denial of credit, which is both unfair and unlawful. 
I urgently request the CFPB to take the following actions : 1. Investigate the non-compliance of Experian, XXXX, and XXXX with the FCRA, ECOA, Privacy Act of 1974, and GLBA.

2. Ensure that all inaccurate information on my credit reports is corrected promptly.
3. Mandate that the credit reporting agencies provide written confirmation of the corrections.

4. Hold these agencies accountable for their negligence and disregard for consumer rights.

I trust that the CFPB will act swiftly to uphold its mandate of protecting consumers and ensuring that these credit reporting agencies comply with federal laws designed to protect our rights and financial well-being. Your immediate attention to this matter is crucial and greatly appreciated. 
Thank you for your prompt assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have identified unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I opened an account with American Express in XXXX, my wallet and card were stolen, and many police reports were generated. I immediately closed the card, however they are refusing after 7 years of disputing this, to remove it from my credit report. Stating that still there are XXXX XXXX  in charges. I never had the opportunity to use this card and 7 years ago reported all this as fraud, i do not have the card and all reports were filed with them and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX for FCRA Violations Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for serious violations of the Fair Credit Reporting Act ( FCRA ) and other pertinent banking laws. The actions taken by XXXX have caused significant damage to my credit rating and have hindered my ability to obtain credit. 

Background : Account Closure Without Sufficient Proof : XXXX XXXX XXXX closed my credit card account, citing " reasons to believe your account is in danger of or is being used for fraud. '' However, they failed to provide any proof of my involvement in fraudulent activity. This unsubstantiated accusation is defamatory and damaging to my reputation. 
Denied Access to Online Account : Subsequent to the account closure, I was denied access to my online account, thereby preventing me from reviewing my account history or transactions. 
Incorrect Reporting to Credit Bureaus : XXXX XXXX XXXX reported late payments to the XXXX major credit reporting bureaus, which is inaccurate and has negatively impacted my credit rating. 
Violations of the FCRA and Other Banking Laws : Failure to Provide Notice of Adverse Action : FCRA Violation : Under the FCRA, specifically 15 U.S.C. 1681m, creditors are required to provide notice to consumers when an adverse action is taken. XXXX 's failure to notify me of the account closure constitutes a violation of this provision.

Inaccurate Reporting of Credit Information : FCRA Violation : According to 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate information. XXXX 's reporting of late payments, which are incorrect, is a clear violation of this requirement. 
Failure to Allow Access to Account Information : Regulation E Violation : Under the Electronic Fund Transfer Act ( EFTA ) and its implementing Regulation E, financial institutions are required to provide consumers with access to their account information. Denying access to my online account is a violation of these regulations.

Defamation and Dissemination of False Information : Civil Liability : The baseless accusation of fraud and the potential sharing of this misleading and inaccurate information can constitute defamation. XXXX may be civilly responsible and culpable for the damage caused to my reputation and financial standing.

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 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I have asked this collections company to stop harassing me and they have not stopped. They call multiple times a week. I block their number as soon as they have called and then they call with a new number every time. 

The call log attached is a sampling of how it is every single week. For over a year now.

Company response to consumer: Closed with non-monetary relief