vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: KY

Complaint narrative:
XX/XX/XXXX someone opened a checking account in my name through BMO I was sent 5 letters in the mail from BMO telling me to call they're fraud department -when I called they shared with me someone open the checking account in my name XXXX XXXX XXXX identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2024-10-16 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: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-16 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always pay my bills on time, so I'm confused why this company is marking me late for some months. According to USC 1666b, billing errors should be corrected, and my payments updated as agreed.

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 2024-10-16 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: FL

Complaint narrative:
I always pay my bills on time, so I'm confused why this company is marking me late for some months. According to USC 1666b, billing errors should be corrected, and my payments updated as agreed.

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 2024-10-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
On Saturday, XX/XX/year>, I received a {$50.00} birthday gift via CashApp from my father. I purchased a new phone and transferred all my apps, including CashApp. On XXXX XXXX, when I tried to log in, I was informed my account had been closed without any warning or explanation. 

Since XX/XX/XXXX, Ive contacted CashApp multiple times via their in-app chat, phone calls, XXXX, and XXXX. Each time, Ive only received canned responses and no clear reason for the closure. I was asked to submit verification forms, which I have done multiple times, but received no follow-up or resolution. 

On XX/XX/year>, a CashApp Support Manager named XXXX emailed me, stating my case had been escalated, but no further updates have been provided since then. On XX/XX/XXXX, I called CashApp support and spoke to a manager who stated that the account closure decision was final but refused to give me specific reasons as to why my account was closed. 

This situation has caused significant disruption to my personal and financial life, as I use CashApp to send and receive money from family and friends, including payments for important obligations like an engine payment to my mother. Additionally, I had a limited-edition XXXX XXXX CashApp Card that I paid for, which is now inaccessible and irreplaceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: RI

Complaint narrative:
Fortiva closed my account. I asked why they said I went over the limit to many times. They offer an over the limit up to XXXX dollars coverage which I took. I was never over the limit more than XXXX dollars until recently. I have always paid on time again until recently I had Identity theft going on and had to close my bank account and open a new one and my retirement company had to send me a check instead of direct deposit because they didn't do it in time. I have never been this far over the limit until they raised there fee 's. If they had a problem about being over the limit why do they offer the coverage because on the site it say 's over the limit coverage XXXX dollars and why did not send me a letter warning me that I was in jeopardy of losing my account. I have paperwork to back up everything. I also have a case with the FTC and a police report. They are going to ruin my credit with this action. I think it is wrong what they are doing Please help me with this matter Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
A XXXX XXXX collection organization known as XXXX is negatively reporting against me to credit bureaus for a XXXX XXXX I've already paid off in full to a 3rd party collection agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX uses to reference me in their system. 

A collection account was opened by a different agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. They directly contacted me soon after and I began to make payments towards my balance to the creditor ( notated as XXXX XXXX XXXX XXXX XXXX XXXX ). My last payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have documentation to reference my original balance, payment history, and now cleared balance. I will attach what I can now, please let me know if any additional documentation is needed. 

XXXX continues to hound me for payment on this already paid loan, my primary goal is to have them withdraw/close any open account they have reporting to any credit bureau, and to potentially seek legal action for reparations for leaving my credit score at a disadvantage.

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 2024-10-16 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: UT

Complaint narrative:
A XXXX XXXX XXXX  organization known as XXXX is negatively reporting against me to credit bureaus for a XXXX XXXX I've already paid off in full to a 3rd party collection agency. 'Account : XXXX ' is what XXXX uses to reference me in their system. 

A collection account was opened by a different agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. They directly contacted me soon after and I began to make payments towards my balance to the creditor ( notated as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My last payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have documentation to reference my original balance, payment history, and now cleared balance. I will attach what I can now, please let me know if any additional documentation is needed. 

XXXX continues to hound me for payment on this already paid loan, my primary goal is to have them withdraw/close any open account they have reporting to any credit bureau, and to potentially seek legal action for reparations for leaving my credit score at a disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: UT

Complaint narrative:
A student loan collection organization known as XXXX is negatively reporting against me to credit bureaus for a student loan I've already paid off in full to a 3rd party collection agency. 'Account : XXXX ' is what XXXX uses to reference me in their system. 

A collection account was opened by a different agency, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. They directly contacted me soon after and I began to make payments towards my balance to the creditor ( notated as XXXX XXXX XXXX XXXX XXXX XXXX  ). My last payment to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I have documentation to reference my original balance, payment history, and now cleared balance. I will attach what I can now, please let me know if any additional documentation is needed. 

XXXX continues to hound me for payment on this already paid loan, my primary goal is to have them withdraw/close any open account they have reporting to any credit bureau, and to potentially seek legal action for reparations for leaving my credit score at a disadvantage.

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 2024-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: IN

Complaint narrative:
Yesterday the lender Covered Care took their monthly payment from my bank account. I saw that it had been removed and I assumed everything was fine, same as it is has been every other month. Then, starting about XXXX this morning, they began to spam call me endlessly. I called them at one point to see what their problem was and I was told the account was past due. I responded " you took the money out yesterday so no it's not. I'm looking at my bank balance right now. Also I'm at work and you need to stop calling. The calls did not stop. At least seven other times they called during the course of the day. I called them two more times ( after the first that morning ) to tell them they were harassing me and they needed to stop. Eventually a gentleman I spoke with apologized and said they'd never contact me again. Then 30 minutes later I got another call from them. That was 30 minutes ago. 

Their behavior was on its face scummy and illegal, but, again, they had already take the payment yesterday so they had nothing to gain from this, they just refused to stop.

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 2024-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year> I was notified via my bank ( XXXX XXXX XXXX XXXX ) that my wages were being garnished. I was informed that they received documents from Midland and I thought it was strange because I have not received any notification about payment, settlement, or anything before this. My bank provided me with a number to call and the case number. When I called XXXX they would not provide me with any information without me verifying my identity, I questioned the validation process and XXXX different representatives hung up in my face. I did not feel comfortable providing my personal information when I was unaware of the debt. When I was able to speak to someone, I asked for copies of the judgment, the contract or any documents stating what was owed. He told me that the judgment was for {$1000.00} but they had received {$800.00} already. However, {$1600.00} was taken out of my account. I still have not been able to get any validation of the debt or the documents stating what was owed, received, or what was to be taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I've noticed that some of my accounts are not being accurately reported in my credit report, which is causing me significant stress. I kindly request an investigation and correction of this issue to ensure the accuracy of 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> 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 15 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 generallf, 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 2024-10-16 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: VA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief