vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: GA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: CA

Complaint narrative:
Here 's a quick summary of what I can remember. 
My bank account paid XXXX twice on XXXX XXXX. I requested a refund of XXXX payment asap. They said it would take almost the entire month to do this so I said that is no good, just leave it alone. I then had my own bank do a reversal and it occurred later in XXXX. I called back in to XXXX to tell them my bank already did an XXXX reversal and so we should be ok now. The Axos ' representative proceeds to tell me my account is current and nothing to worry about. They don't see anything late or missing. I asked if they had sent out a check and if so to please cancel it. I have not received a check from them. If I did, I would have sent them an extra payment to make it up. 

In the mean time, I have made my XXXX and XXXX payments. I get an alert saying my credit scores have dropped. I check and it is drastic. I go from low XXXX 's to low XXXX 's on XXXX of my reports. I tried talking to the supervisor on the phone several times with no luck. 
They have made up their minds on what they think happened and they are sticking with it while mines and my wife 's credit scores suffer. I don't think this is fair. We didn't get to a high credit profile with multiple loans by having bad financial practices and that's how we feel they are treating us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: CA

Complaint narrative:
Here 's a quick summary of what I can remember. 
My bank account paid XXXX twice on XXXX XXXX. I requested a refund of one payment asap. They said it would take almost the entire month to do this so I said that is no good, just leave it alone. I then had my own bank do a reversal and it occurred later in XXXX. I called back in to XXXX to tell them my bank already did an ACH reversal and so we should be ok now. The XXXX XXXX representative proceeds to tell me my account is current and nothing to worry about. They don't see anything late or missing. I asked if they had sent out a check and if so to please cancel it. I have not received a check from them. If I did, I would have sent them an extra payment to make it up. 

In the mean time, I have made my XXXX XXXX XXXX XXXX  I get an alert saying my credit scores have dropped. I check and it is drastic. I go from low XXXX XXXX XXXX XXXX XXXX XXXX on 2 of my reports. I tried talking to the supervisor on the phone several times with no luck. 
They have made up their minds on what they think happened and they are sticking with it while mines and my wife 's credit scores suffer. I don't think this is fair. We didn't get to a high credit profile with multiple loans by having bad financial practices and that's how we feel they are treating us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
At this point, I have no other recourse but to request assistance from your office, because Portfolio Recovery Associate ( PRA ) has not been responsive to multiple requests I sent them to remove their collection account from my reports due to it being long pass its statute of limitation. 

On pages XXXX through XXXX of your Consent Order, XXXX, you found that : Some of PRA 's purchase agreements put limitations on the availability of account-level documents, thus putting PRA on notice that it may not be able to access account-level documentation on all accounts purchased that would enable it to perform proper due diligence on Sale Files whose accuracy PRA has reason to doubt, investigate consumer disputes, or prove its case in contested litigation. 
Limitations on the availability of account-level documents in PRA 's contracts included : a. notifying PRA that supporting documents may only be available for a percentage of the accounts, but not identifying which accounts lacked documentation ; b. charging PRA a fee for each supporting document it requested ; c. increasing the per-document fee after PRA requests a certain percentage of documents from that Debt Portfolio or requests documents after a certain date ( e.g., {$1.00} per document after year one, {$5.00} per document after year two ) ; or d. prohibiting PRA from contacting the original creditor for information or supporting documents. 
On XX/XX/year>, PRA received my certified mail questioning the legality of their continued reporting of an alleged debt I owe XXXX to the 3 major credit reporting agencies : XXXX, XXXX and XXXX. 
I specifically asked they : a. Provide date of first delinquency from the original debt owner.

b. Prove the Statute of Limitations has not expired on this debt. 

As of XXXXXXXX XXXX, they have proven you right : I have not received an answer from PRA- They have failed to provide the information requested, despite warning them that they may be in violation of Section 623 ( a ) ( 1 ) ( B ) : Duties After Notice of Dispute from Consumer, if they did not provide the information requested ; They have also failed to permanently remove erroneous information from my reports, as I asked them to do if they were unable to provide the above requested information. 
Therefore, I am asking the CFPB to demand of PRA that all references to this debt be deleted and completely removed from my credit reports and a copy of such deletion request be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: TX

Complaint narrative:
I started receiving emails from a collection agency called XXXX at January since last year. I thought to believe they were scam emails. So I didnt pay them no mind. When my income tax return was taking for owed debt. I started investigating. I called the collection agency XXXX at January and asked them who were they trying to collect a debt for, and they told me for XXXX XXXX XXXX. I called XXXX XXXX XXXX and told them that I didnt get anything financed through them. They told me that I had gotten furniture financed from XXXX XXXX XXXX in XXXX. So they gave me the address and phone number to the furniture store. I went and talked to the store manager about when did I take furniture out. He gave me a copy of the contract that was signed. I made a police report with the XXXX Police Department and they sent me this email to file a complain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Twice I have applied for credit cards with companies attached to citibank. Best buy and home depot. 

Them approve me for the credit card then i go to use it and its denied. I call the company they say we cant verify your information like phone number address etc. And its the same i applied with. 

Its quite infuriating and i feel like im being harrassed. They say i have to wait for a letter in the mail then call them back. Ive been waiting for a letter now for 4 months. and every time i call them they tell me the same thing. 

I believe citibank is just getting peoples info for what ever reason for no reason apparently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was told no foreign transaction fees and no fees whatsoever with business account by XXXX XXXX XXXX. I was charged foreign transaction fees. I believe XXXX is telling people false information about checking accounts to get more customers. Account was opened XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Inquires that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Customer Service at Transunion would not correct my file by deleting the unauthorized inquiries listed above reporting to my credit report. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: Kriya Capital, LLC
State: FL

Complaint narrative:
A debt collections company named Credence Resource Management has reported some information on both my transunion and XXXX credit profiles. Earlier today i sent a dispute letter to their office via certified mail. Below i attached a copy of both the pages i sent them. I expect them to respond with the information of validation that i requested in a mannerly time or these negative accounts have to be deleted. Also if they can not validate the alleged debt they reported it must also be taken off my reports. I would like the CFPB to be alongside me down this journey and to also help with holding this collection agency accountable. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are inaccurate late payment remarks on my file and I want it checked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are inaccurate late payment remarks on my file and I want it checked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I called the credit report agencies and let them know the late payments documented were not supposed to be visible on my consumer report. I never gave them written consent to report them.In pursuant to 18 U.S. Code 1028A-Aggravated identity theft Section 1.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have requested that these accounts to be removed as these are inaccurate reporting on my credit file. I spoke and discussed this already and they haven't made any progress at all. I want these accounts to be removed if not I will have to receive settlement for about {$1000.00} from these violations in terms of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a car. The sale representative XXXX XXXX helped me with the process. She stated that the bank I got approved for ( Westlake Financial ) only needed proof of insurance and a copy of my social security number. I provided that information to the seller and paid a down payment of {$3000.00} for a XXXX XXXX XXXX. I signed a contract stating that I will be paying the bank {$430.00} a month first payment will be due XX/XX/XXXX. A couple weeks went by XX/XX/XXXX and the seller XXXX XXXX reached out to me saying that the bank Westlake Financial needed for me to reach out to them to complete their welcome call. She provided me with their contact information and a reference number. I completed the call and Westlake stated that they needed to verify employment from my employer. I had my manager reach out to them to verify my employment. The bank gave my manager a hard time saying that his email address wasnt a business email and that he needed to contact them from via a business land line or business email. This went on back and forth for XXXX weeks, then the XXXX, XXXX at XXXX XXXX XXXX reached out to me saying that the bank is giving them a hard time with funding the vehicle and that he was going to try with another bank. He asked me if I knew anything about a fraud alert on my account. I informed him that yes I have a fraud alert on my credit report. XXXX then advised me to remove the fraud alert from my report in which I did not. Then said he would reach back out to Westlake Financial again and give me a call back. Instead I received a call from another bank but I never authorized him to run my credit through another bank. In which he did in fact have another bank run my credit. The bank called and I denied them. I received an email from XXXX stating that I had a new inquiry on my report. I contacted the manager to ask about the matter and he denied that he did it. My manager was able to verify my employment with Westlake Financial on Fri XX/XX/XXXX, which was confirmed by a representative with the bank. The following Friday XX/XX/XXXX I received a text message from the seller saying the bank still needed to verify employment. I informed XXXX that it was already done she stated that the bank is asking that I not call them anymore. I sent check stub to XXXX email so that she can provide the information to the bank. Monday XX/XX/XXXX I contacted XXXX to confirm that the stub was sent she stated that it was sent but the bank will not accept it because I was not able to show proof on their portal. She stated she would call back would more information, but XXXX the manager reached out saying that I need to bring the car back because it is not funded. But I was able to walk out the dealership with a signed contract and keys in hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: VA

Complaint narrative:
I am writing to follow up on my previous complaint regarding the persisting negative accounts on my credit report. While I appreciate the deletion you have made, I am concerned about the recurring nature of these disputes and the lack of a satisfactory resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: FL

Complaint narrative:
I request the immediate removal of this unauthorized entry from my credit report, as it is not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: GA

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. The XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: IL

Complaint narrative:
I am following up on a previously submitted complaint ( ID XXXX ). The company responded, claiming that my Cash App account was reinstated. However, upon attempting to access my account, I found it remained restricted, contradicting their statement. Despite their communication, which indicated resolution, I am still unable to use my account. The persistence of this issue has caused me significant inconvenience and confusion, and I seek immediate clarification and rectification of my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I opened my personal email today. And the title of that email from XXXX XXXX was : on or about XX/XX/XXXX you received a deposit for {$1600.00} on your checking account I opened my email and to my surprise I noticed that Wells Fargo without my AUTHORIZATION OR REQUEST disclosed to a third party all the account activity ALL DEPOSITS and ALL CHARGES since the account was opened. 
I spoke to Wells Fargo 6 times today and no one was able to explain how that could have happened. This is a gross violation of my privacy. I feel my data is totally insecure if Wells Fargo can be so careless. 
The complain reference I was provided by Wells Fargo is : 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