vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: NC

Complaint narrative:
Recently I've checked my credit report and have found I have been a victim of identity theft. there is an account i have had no previous knowledge of. heres what I've found, Account : XXXX XXXX # XXXX, XXXX XXXX # XXXX Please remove these fraudulent accounts/ inquiries from my credit report. Also Ive attached my identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: SC

Complaint narrative:
I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the following accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there. 
FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) As you know it is against the law to report any information not proven accurate. 809. Validation of debts_ [ 15 USC 1692g ] Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report 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 2024-08-30 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: FL

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-08-30 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: FL

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
State Employee Credit Union in XXXX of this year allowed over {$1000.00} to be with drawn for XXXX charges I did not make. The bank did not return funds until after a complaint to CFPB was done ( over XXXX weeks and daily attempts to contact ). This has happened again!! Over {$400.00} since XX/XX/XXXX has been with drawn, and XXXX again lack concern or care. I was contacted, and charges were not flagged yet again! XXXX was opening a case, however this needs to be expedited and handled. This is the same merchant, same types of charges. XXXX {$100.00}, XXXX {$53.00}, XXXX {$21.00} How are they not flagged or a consumer contacted confirming unfamiliar repetitive activity! I am not waiting XXXX weeks for the lack of empathy and care, and the banks negligence at monitoring transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
So, I have this back XXXX forth situation on-going with LVNV FUNDING LLC this company has listed XXXX different negative trade lines on my credit report. I have disputed these charges on multiple occasions, only for the credit bureaus to continue to list that they are verified debts. 

I have sent letters to the Credit Bureaus and sent one via Certified Mail to LVNV FUNDING LLC which records show the letter was received and I also received a return receipt back to me. ( I have enclosed the letter below as an attachment ) I have ask LVNV FUNDING LLC nearly 45 days ago to verify my debts within their company and they have refused to respond to my requests via Certified Mail which in return makes me believe the company can not validate the debt. Which in return also makes me believe the Credit Bureaus are not properly verifying this debt. I have exhausted my resources on getting these debts verified. And now I will seek a lawsuit against LVNV FUNDING LLC and XXXX, XXXX, and XXXX for continuing not to verify this debt and provide me with the proper paperwork showing how they verified, and LVNV FUNDING LLC continuing not to provide verification which is in direct violation of the FCRA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Good morning, Dispute : date of interest charge was on XX/XX/XXXX Original purchase date XX/XX/XXXX Comenity Bank Amount : XXXX The dispute is simple : the minimum payment that was applied to my account did not cover the remaining {$66.00} on the end date of XX/XX/XXXX. The account should have been closed XXXX XXXX XXXX. My understanding was this account was already full filled and had been paid. If the minimum payments had not been adjusted, this account would have been paid in full on the appropriate date.

The original transaction was XX/XX/XXXX. My understanding is that this account should have been reconciled and closed 18 months later. However, your department changed the dates to an arbitrary date of XX/XX/XXXX. My understanding was that the plan was up 18 months after the purchase date. Now, 30 months later, the plan ends, leaving me with XXXX in interest. Please also review previous documents of the zero-interest start date, not beginning when item was purchased. This account should been closed out, however, 30 month later, I am not receiving a XXXX interest charge. The remaining balance of XXXX has already been paid. 

If you purchased a loan for 60 months for an item. That product should be paid off at that 60 month mark. If you then receive, another bill 12 months later on something that had already ended. How would you know this had a different end date /remaining balance then what you originally signed the loan for? 

Working with this company has been an ongoing issue. I would like this resolved. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I held a CashApp account ( digital application ) on my mobile phone ( XXXX ) for more than 2 years. I use the account, primarily, to send money in the form of cash to relatives located within the United States, as well as pay for service such as lawncare or other personal purposes. On Friday, XX/XX/XXXX I received an alert on my phone via CashApp that I need to verify my account. I entered the relevant information and my account was immediately closed for " violation of terms of use. '' I attempted to contact someone by the " contact us '' and chat features of the app and chatted with a bot, which took information and details regarding my inquiry. It restated the reason for the closure of my account, which I requested an investigation because I am not aware of how I've violated the terms of use. I informed them that I was hacked, because other similar services have been experiencing hacks during that same week, some of which I received emails warning me of potential hackings. I was advised that the request was submitted and I will receive the results of the investigation within 30 days. 

On XX/XX/XXXX, I received an email from XXXX, CashApp Support, stating the following : ________________________________________________________ Hi XXX, Thank you for your patience during our delay in getting back to you. This is XXXX With Cash App support. Thanks for taking the time to reach out. I'd be glad to look into this for you. 

We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service ( https : //cash.app/legal/us/en-us/tos ), including payment activity related to gambling ( XXXXXXXX XXXX XXXX XXXX betting of any kind, among others ) along with other potential violations. 

As a result, your Cash App account has been deactivated and you will no longer be able to use your account or its features. 

For more help, visit our Cash App Help Center at https : //cash.app/help ( https : //cash.app/help ) or contact Support directly through your app. 

If there's anything else you need today, feel free to reach back out anytime ; we're here to help and just one email away. 

Best regards, XXXX Cash App Support ___________________________________________ In the email, it stated potential reasons for deactivating the account, including gambling, casinos, etc., but I have not engaged in any of these activities and CashApp support will not provide details or information showing examples of transactions I have made that violated the policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: CT

Complaint narrative:
Paid XXXX XXXX XXXX XXXX XXXX They refused to update credit report saying there company policy is not to update information after collection is posted. Per 2 different representative I spoke with. Filled dispute with transunion.com and XXXX. To correct balance to XXXX XXXX XXXX corrected report. Transunion.com keeps finding balance of XXXX $ correct.

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 2024-08-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquires from XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX on Credit Report XXXX XXXX XXXX : Experian, XXXX, and XXXX Date of Inquiries : XX/XX/XXXX, XX/XX/XXXX, ( XXXX XXXX  ) and XX/XX/XXXX ( XXXX XXXX XXXX  ) Companies involved : XXXXXXXX XXXX and XXXX XXXXXXXX XXXX Dispute Codes : 103 ( Dispute- Inaccurate Information ), XXXX ( Account not mine ) Details : I am filing this dispute to challenge the validity of XXXX hard inquiries that appear on my credit report : XXXX XXXX  [ XX/XX/XXXX ] -XXXX XXXX  [ XX/XX/XXXX ] XXXX XXXX XXXX [ XX/XX/XXXX ] I did not authorize these inquiries, nor did they result in the issuance of any credit card or account. According to XXXX XXXX  compliance guidelines, each inquiry must be tied to a legitimate credit request, which is not the case here. I request that these inquiries be removed from my credit report as they are in violation of XXXX XXXX  compliance standards. Please investigate this matter and correct the inaccuracies. 

XXXX XXXX XXXX : This code addresses inaccurate or incorrect information in the credit report. The hard inquires from XXXX XXXX  and XXXX XXXX XXXX are inaccuratley reported as I did not authorize them, and no credit was extended as a result. 
XXXX XXXX XXXX : This code indicates that the account or inquiry is not mine. Since I did not request or approve these inquiries, they should be removed from my credit report. I have only one credit card that is through 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 2024-08-30 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: PA

Complaint narrative:
In regards to the company XXXX for reporting XXXX XXXX XXXX XXXX  The account in question is listed with an incomplete account number, This incomplete account number is inaccurate and constitutes a significant violation of my rights under the Fair Credit Reporting Act ( FCRA ). Full and accurate account numbers must be reported to ensure proper identification and association with my credit history. 
Additionally, the payment history section for this account shows multiple XXXX ( CO ) notations for XXXX, XXXX, XXXX, and XXXX. A XXXX should only be reported once, as it reflects a singular event. The reporting of multiple COs for different months is not only inaccurate but also results in the resetting of the statute of limitations for this account, extending the time it will remain on my credit report. This repeated reporting is a clear violation of the FCRA and is severely damaging my credit profile I have also sent this letter to the company as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: PA

Complaint narrative:
In regards to the company experian for reporting XXXX XXXX XXXX XXXX  The account in question is listed with an incomplete account number, This incomplete account number is inaccurate and constitutes a significant violation of my rights under the Fair Credit Reporting Act ( FCRA ). Full and accurate account numbers must be reported to ensure proper identification and association with my credit history. 
Additionally, the payment history section for this account shows multiple XXXX ( CO ) notations for XXXX, XXXX, XXXX, and XXXX. A XXXX should only be reported once, as it reflects a singular event. The reporting of multiple COs for different months is not only inaccurate but also results in the resetting of the statute of limitations for this account, extending the time it will remain on my credit report. This repeated reporting is a clear violation of the FCRA and is severely damaging my credit profile I have also sent this letter to the company as well

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 2024-08-30 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:
I recently received a copy of my XXXX and Experian, and I noticed a late payments posted on my credit report : XXXX XXXX  for the month of XX/XX/XXXX - XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2024-08-30 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:
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 non-monetary relief