vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: NY

Complaint narrative:
I am writing to request the immediate blocking and deletion of several fraudulent accounts and inquiries from my credit report. As a recent victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent items removed. 
The following accounts were fraudulently opened and should be removed : XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$28000.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$480.00} XXXX XXXX XXXX XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1500.00} XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1000.00} Additionally, I request the deletion of the following unauthorized inquiries : XXXX XXXX XXXXXXXX Dated : XX/XX/XXXXXXXX XXXX Dated : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Affirm is reporting a balance on my credit report when the accounts has charged off. Also while the account has charged off they are still reporting on a monthly basis. I reached out to the company and ask to fix this. I also reached out the credit bureaus, all they do is dispute and ask them is this information mine and then send me back a 1etter stating that it is reporting correctly. 

I will also attached the credit report to show how its reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: CA

Complaint narrative:
After a careful review of my financial records, I believe this entry to be inaccurate and potentially the result of an administrative error or miscommunication. As such, I kindly request that this matter be thoroughly investigated and corrected at your earliest convenience to ensure that my credit report accurately reflects my payment history. Please make an update on the following accounts that was tagged as late payment : late payment XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX XX/XX/year> {$1300.00} XXXX XXXX XX/XX/year> {$0.00}

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: NV

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-06 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: FC HoldCo LLC
State: NV

Complaint narrative:
I am a new immigrant who just logged on and because I needed a loan to buy a car I filled out and signed a loan counseling application at XXXX XXXX but to my surprise they gave it to almost XXXX loan companies for review which caused serious damage to my credit, no one told me to do this and I didn't even know that I was being counseled multiple times until I received the appraisal reports from multiple loan companies. These loan companies had no direct documentation of my signature authorization. I am filing a complaint about these actions and would like the opportunity to repair my credit report. 
The following are the companies and times that inquired about the reports without my signed authorization and these inquiries are considered third party actions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> FLAGSHIP CRE XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-06 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I am a new immigrant who just logged on and because I needed a loan to buy a car I filled out and signed a loan counseling application at XXXX XXXX but to my surprise they gave it to almost XXXX loan companies for review which caused serious damage to my credit, no one told me to do this and I didn't even know that I was being counseled multiple times until I received the appraisal reports from multiple loan companies. These loan companies had no direct documentation of my signature authorization. I am filing a complaint about these actions and would like the opportunity to repair my credit report. 
The following are the companies and times that inquired about the reports without my signed authorization and these inquiries are considered third party actions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-06 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: NV

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have been trying to get the late off of my credit report for months. I have sent in disputes and nothing has changed. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: TN

Complaint narrative:
I reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my credit report. They are affecting my ability to obtain credit. 




tHE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY. 
15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 

15 U.S.C 1681 S-2 ( A ) ( a ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grow Credit Inc
State: SC

Complaint narrative:
On XX/XX/2024 I received a copy of my investigation results and I noticed that the account XXXX has been added back to my report and it has been deleted 7 times. I am formally disputing any unverified or inaccurate information within my credit report, invoking the FCRA and adhering to the XXXX XXXX data field reporting standard. Regrettably, I can not recognize nor accept allegations of delinquency and derogatoriness in the absence of factual documentation, which contravenes both federal and state regulations mandating accurate and comprehensive reporting. It is disheartening to observe claims that may be in violation of the law or regulations. 

I hereby urge you to ensure the factual and accurate reporting of all claims in accordance with the XXXX XXXX reporting standard. I formally request the provision of verifiable physical evidence supporting the account 's existence and its permissible usage. Failing such evidence, I insist upon the removal of this account from my credit report. I grant you authorization to send me physical documentation detailing your actions and any subsequent updates to my credit report. Your prompt attention to these matters is of the utmost importance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year> my Cashapp account and balance were compromised and somebody used my cashcard and balance of XXXX  XXXX on a random online merchant. Since then I contacted the original merchant and Cashapp hoping to come to a resolution but have not been able to get in contact with the merchant and Cashapp has denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Bridge IT, Inc.
State: MD

Complaint narrative:
Brigit is sending me several texts a week about an account balance with links for an account that I do not have. Ive contacted them to try to figure out whats going on and have asked them several times to fix this. Someone signed up for an account using my phone number. I asked Brigit to remove my number multiple times ; I am not associated with that account. I do not have an account with them, never have and never will. This has been going on since XX/XX/year>. They refuse to remove my number. I block and report junk each time they text me but Brigit just texts me from a new number a few hours or a day later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to request assistance with a goodwill adjustment request I submitted to Experian regarding a late payment recorded on my credit report. Due to a XXXX XXXX XXXX  and the associated financial hardship caused by the pandemic, I was unable to make a timely payment on my XXXX XXXX XXXXXXXX account XXXX XX/XX/year>. 

In my communication with Experian, I requested the removal of this late payment from my record as a one-time goodwill gesture, noting that this incident was an anomaly in my payment history and does not reflect my typical financial responsibility. I have attached a copy of my letter to Experian and a supporting document ( XXXX XXXX XXXX ) to substantiate my request.

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 2024-11-06 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I have been trying to get the collection off of my credit report for months. I have sent in disputes and nothing has changed. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

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 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am experiencing two issues with redeeming points for flights through the rewards program ( US Bank Corp ; I have credit card " XXXX '' ) : Higher Cost for Points-Based Flights : When booking flights with points through the rewards program 's designated reward center, the points cost is consistently higher than the cash price for the same flight when purchased directly from the airline. This discrepancy limits the value of the rewards program. 

Inconsistent Pricing on Date Selection : When browsing flights by date, the rewards center often displays a lower price for flights on a nearby date, suggesting a more affordable option. However, when selecting that date, the price automatically updates to a higher amount, effectively locking in a more expensive fare regardless of the date. For instance, when searching for flights on XX/XX/year>, a cheaper option may appear for XX/XX/year> at {$460.00}, but clicking to select this date causes the fare to increase to {$470.00}. 

I would appreciate clarification on these issues and assistance in resolving them, ideally by ensuring fair and consistent pricing for point redemptions and displaying accurate, stable fares across dates.

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 2024-11-06 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: EQUIFAX, INC.
State: IL

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my 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