vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: PR

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks

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 2024-10-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/2024, I opened my cash app to use my card and discovered that my account was closed unexpectedly. I contacted support through the app, and I asked them why my account was closed, they told me they could not disclose that information. On the same day, I made a new cash app account and ordered a new card to go with the account and today, XXXX XXXX, I opened my cash app and once again my account was closed. I called contact support and was again given the same response when my first account was closed. They told me that I had to appeal to reopen my account without them disclosing the reason why they ( Cash App ) closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: PR

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX placed two derogative items on my credit report. One for {$770.00} and another for {$1000.00}. i do not owe {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17 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: TX

Complaint narrative:
FCRA Viloations Not mine Not my auto loan XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Auto Loan Responsibility Joint Date opened XX/XX/XXXX Status Open. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$290.00} Hippa violation not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
not my utility bills never had XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17 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:
FCRA Viloations Not mine Not my auto loan XXXXXXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint Date opened XX/XX/XXXX Status Open. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$290.00} Hippa violation not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
not my utility bills never had XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In according 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. 

Accounts : LXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

I looked at my Experian credit on XX/XX/2024, 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 1681i ( 5 ) they're suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If, 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 has been modified or deleted from the file of the consumer. And according to 15 USC1681s-2, they're 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 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 2024-10-17 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I disputed accounts that were open fraudulent and asked for chex systems to remove these accounts with a ftc report stating my identity was stolen, they investigated stating that the accounts were accurate and refused to remove these accounts

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 2024-10-18 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: SC

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-10-18 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: SC

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-10-18 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: NV

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 1 late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late payments Ive attached the copy of my report to this complaint on the following dates XXXX XXXXXXXX XXXX Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and XXXX Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX XXXX breach and XXXX XXXXXXXX XXXX breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Regarding Inaccurate Credit Report Information I am filing a formal complaint against Experian for failing to properly update inaccurate personal information on my credit report, despite my previous requests. Experian informed me in writing that they had corrected my personal information, but I have reviewed my report, and the following inaccuracies remain : 1. The address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX is incorrectly listed on my credit report, despite my request for its removal. This address is not relevant to my current or past credit history and should not be associated with my file. 
2. The name XXXX XXXX remains on my credit report. This is not my legal name, and I have requested that it be corrected to XXXX XXXX, yet it has not been done. 

These issues are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure accuracy and promptly correct errors when notified. Experian has failed to comply with this obligation, and the continued presence of these inaccuracies is negatively affecting my credit profile. 

Thank you for your attention to this complaint.

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 2024-10-18 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: CA

Complaint narrative:
I am writing to dispute the accuracy of information in my consumer report, pursuant to my rights under FCRA 611 ( 15 U.S.C. 1681i ). This letter is in reference to my previous CFPB complaint [ XXXX submitted on XXXX XXXX, in which I requested, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax block all of the accounts, collections, and hard inquiries identified in that complaint from my consumer credit file within 4 business days of receiving said complaint.

Equifax has failed to comply with my initial request and has not properly verified the claims made in my CFPB complaint. Therefore, I am invoking my rights under FCRA 611 to demand that Equifax : Reinvestigate all items contested in my initial CFPB complaint. 
Provide detailed information on the method of verification used in your initial response to my CFPB complaint, including the specific sources of information consulted. 
If unable to verify the contested items using reliable sources, delete all such items from my credit report. 
Please note that I have previously filed and attached FTC Identity Theft Reports [ Numbers XXXX, XXXX, XXXX, XXXX ] related to these disputed items. It is my understanding that these reports were not properly considered in their initial investigation.

Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requires Equifax to provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, if reasonably available.

If Equifax is unable to verify the accuracy of the disputed information through this reinvestigation process, I demand that Equifax promptly delete or modify that information in accordance with FCRA 611 ( a ) ( 5 ) ( A ).

Equifax must be advised that failure to comply with this request may constitute willful noncompliance with the FCRA, potentially subjecting Equifax to liability for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ADDRESS ARE FRUAD I NEVER LIVED HERE BEFORE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. i sent multiple letters, its more than 60 days. I need these accounts deleted or updated. These are the items i am demanding to be deleted immediately : checking account and demand deposit account ( DDA ) activity - 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 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
There are accounts on my early warning account that I never opened or used.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have early direct deposit and when I checked to see if it was posted. There was no money deposited. I called payroll and they said they had sent it to the bank so I called Capital one and asked them where my money was and they sent me to claims and they told me it was being investigated and they have 45 days. I asked them if they were going to credit my account as they always do in a few minutes when I have had a dispute. These people told me they have to wait until the investigation was done. So I have no money and they lost it but I have to go without funds to pay my bills. I am already overdrawn in my checking account by not having money in my account. They just kept telling me their hands were tied. This. Has to be illegal for them to withhold giving me a credit due to their error. I am a XXXX XXXX XXXX woman that lives pretty much paycheck to paycheck. I am upset that I won't be able to even buy food.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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