vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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:
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2024-10-02 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:
RE : Dispute of Unvalidated Debt Account Number : XXXX ( XXXX XXXX XXXX XXXX , I am writing to formally dispute the accuracy of an entry on my credit report. The entry in question pertains to an alleged debt reported by XXXX XXXX XXXX on behalf of XXXX, referenced by account number XXXX. 

After requesting validation of the debt from XXXX XXXX XXXX, I have found that they failed to provide sufficient evidence that the debt is valid. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), a debt collector must cease collection efforts if they are unable to validate the debt, which includes reporting the debt to credit bureaus. 

Despite my request, XXXX XXXX XXXX has not provided : A signed agreement or contract proving that I am responsible for the alleged debt. 
Documentation confirming their legal right to collect on behalf of XXXX. 
As this debt has not been validated in accordance with FDCPA requirements, its reporting to the credit bureaus violates 15 U.S. Code 1692e ( 8 ), which prohibits the communication of false or misleading information to third parties, including credit reporting agencies. 

I respectfully request that you immediately remove this unvalidated account from my credit report as it is inaccurate and unsubstantiated. I have attached supporting documentation, including my correspondence with XXXX XXXX XXXX, to assist in your investigation. 

Please notify me in writing once the account has been removed. I trust that you will handle this matter promptly to ensure the accuracy of my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 

Thank you for your attention to this important matter. I look forward to your timely response. 

Sincerely, XXXX XXXX [ Enclosures : Copies of correspondence, documentation ]

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Block, Inc.
State: CO

Complaint narrative:
Cash app took XXXX out of my checking account and return XXXX of it back. They still owed me XXXX. Not only that they closed out my personal cash app which is set for my XXXX. My bank and myself have written letters to the bank in reference to my XXXX and to reopen my personal cash app account. Your help in this matter is deeply needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Parkway Financial Group, LLC
State: SC

Complaint narrative:
On XX/XX/year>, I entered a contract to purchase a home from XXXX XXXX XXXX in XXXXXXXX XXXX, and provided an earnest deposit of {$20000.00}. One of the key financial incentives offered by XXXX XXXX was that I would only need to put down {$20000.00} in earnest money if I used Inspire Home Loans, compared to {$45000.00} if I went with another lender. I submitted all requested documents to Inspire Home Loans by the required deadlines, but despite this, I was subjected to excessive requests for additional documentation, such as explanations for various financial transactions and employment verification. 

On XX/XX/year>, I received an email from my loan officer, XXXX, requesting multiple additional documents with a deadline of XX/XX/XXXX, despite having already provided the necessary information. My realtor reached out to XXXX for clarification, but communication remained inconsistent, with conflicting information about the status of my application. 

Additionally, I was pressured by XXXX XXXX, the XXXX Sales Manager at XXXX XXXX, to sign a termination letter, which would result in forfeiting my {$20000.00} earnest money. On XX/XX/year>, I received an email from XXXX XXXX, Contracts and Closing Manager, stating that my contract was out of compliance and that if the matter was not resolved that day, my earnest money would be retained and the closing process would not be extended to XXXX. The process was marked by disorganization, conflicting communication, and undue pressure. I am seeking the return of my earnest money and an investigation into their unethical practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: CT

Complaint narrative:
In accordance with the fair credit reported at the list of accounts below has valued my federal protective consumer rights to privacy and confidential under 15 USC 1681 account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Lates payments. Any other negative information should never be shared with anyone. I have requested to opt out of any situation that put me at Jeopardy with having negative information reported or any one of these credit agent files, XXXX XXXX, Experian, and XXXX any charge was that were related to my account never sent me a 1099 as stated inside of our credit rights and what the IRS had written on file, 15 USC 1681 section 602 ( A ). States I have the right to privacy. 

And according to 15 USC 1681 EB, they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow responsibility to the max of accuracies of the information concerning the individual about whom the report relates. 


15 USC 1681C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other advers

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 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received gift card through American Express with the numbers scratched and was unable to use I filed a claim with American Express in to go they denied after reassuring me theyll send a replacement gift card via mail

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have contacted Chase Auto and JP Morgan Chase Bank NA Secured Part since XXXX Regarding their reporting inaccurate information on my credit report and every since XXXX I have been requesting by Phone and by mail a 1099C since they have been reporting on all three credit reports that this account is has been Charge - off. This account has been deleted and reinstated without contacting me to let me know that it was being reinstated according to the FCRA laws. 
On my credit reports, they are reporting a repossession in the year XXXX. They also are reporting repeated charge-offs in XXXX. They are also reporting repeated repossession in XXXX to the XXXX account. I have contacted all three credit bureaus, regarding the same issues and their reply would be, that they have verified the account as accurate. which having repeated charge-off and repossession on your credit file is illegal and damaging to your creditworthiness. According to the FCRA, all these companies that I have named above violate these laws. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) Expedited Dispute Resolution 15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes.

15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA.

26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices.

26 U.S.C. 6050P : This statute mandates that canceled debts of {$600.00} or more must be reported to the IRS, and I should be furnished with a 1099-C form as evidence of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: SC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
My lease was over in XX/XX/2024, I called to have an extension until XXXX, which I was approved. I have tried to be in contact with Chrysler since then because I noticed that there was an accumulated late fees in the amount of {$900.00}. I don't understand why I was not notified that I was paying on a wrong date and also, I was reported to the credit bureau for not paying. I can not make a payment as it states ( MY ACCOUNT IS PAID IN FULL. NO PAYMENT IS DUE ). I then called them and stay on hold for almost 2 hours, and then my call call hangs up..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-02 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: MS

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> has violated my rights.

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 2024-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
In the month of XX/XX/XXXX, I received a letter from XXXX XXXX that the account was being transferred ( assigned ) to Zwicker & Associates for collections. Reflected on my Credit Report this account was shown to be charged off. This same month I received a letter from Zwicker & Associates stating they are a debt collector attempting to collect a debt. On this letter bound on legal paper in the form of a contract had a remittance coupon on the bottom requesting payment. Zwicker & Associates XXXX # XXXX principal address is in XXXX, their business is purchasing and collecting of consumer debts. I responded to their letter with a notice of dispute requesting validation and verification of this purported debt. The first letter was sent the XXXX of XX/XX/XXXX, and the second letter on the XXXX of XX/XX/XXXX. I Also observed that my credit report did not reflect dispute status. I received a letter which stated, As requested, we are sending copies of statements and other relevant documentation to serve as a validation of debt. This letter lacked verification and did not provide information in full of the original creditor. Provided to me was a thick packet of statements with no relevancy to what was requested. On XXXX XX/XX/XXXX my father-in-law was served a summons. Unable to afford counsel I had to deal with this matter which caused further instability to my household. I began to further research and found that this law-firm was a debt-buyer and that they were assigned this debt. An assignment is a transfer of all interests and rights to the thing assigned. These terms are declared on the letters sent by XXXX XXXX. Unfortunately, in the State of Florida law firms engaging in debt collection do not need a license to collect on consumer debts and can move swiftly to file suit on consumers who have no knowledge of this system. In the State of Florida, Law Firms ( debt collectors ) are not regulated. This would be my 2nd time encountering an abusive, deceptive and unfair law firm ( debt collector ). One law firm went straight to litigations, and did not send a notice that they were attempting to collect, depriving my right to dispute. A complaint was made on that law firm but did not go anywhere with Florida and on this platform. A complaint was filed through Florida Attorney Generals office which advised to make a complaint to the Florida Bar Association, also yielding negative results. Both cases are still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: OR

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-10-02 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 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. 

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!

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : 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 2024-10-02 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : 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 2024-10-02 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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