vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This notice serves to alert you that you are improperly reporting an unauthorized inquiry on my consumer report. I have not authorized you to access my credit profile, and there is no legal basis for you to contact third parties and obtain my private information.

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 2024-04-16 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX has been reporting fraudulent information on me for years. Normally, I would dispute the inaccurate information and request for an investigation. However, they have went even further by reporting false criminal information on me. This false and unauthorized reportings have caused me to lose multiple jobs. I have disputed the criminal information repeatedly. I have made police reports after police reports. Yet, the still report the information as though its been verified. The domestic XXXX XXXX totaling XXXX different occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-04-16 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: DE

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. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights.

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.

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 2024-04-16 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: DE

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 XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$26000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$5100.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXX {$6200.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} XX/XX/XXXX ~ XXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$810.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$1100.00} These accounts have violated my rights. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year>, Bank of America took a payment from my checking account to apply to a credit card. This was a double payment so my account went into the negative by {$480.00}. I called in on XX/XX/XXXX and was told that the money could be sent back as a partial payment refund and would take 7 days. I called in again on XX/XX/XXXX and was told to wait 30 days from the date of original call. On XX/XX/XXXX I received a letter stating that the money was refunded but no money is in my account. I was then told it would be an additional 30 days from there. This bank is following abusive and deceptive and unfair business practices by continuously extending the time line for repayment. I am concerned that this will be extended for many more months from this point all with them keeping my money with no interest paid to me.

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 monetary relief
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX cancelled my insurance. After cancelation, the proceeded to bill me for an auto-renewal provision, however they never provided any insurance, because they had already cancelled my policy & I had obtained legal coverage elsewhere. 
They turned this over to multiple different collection agencies and currently resides with XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Transunion, File Identification Number : XXXX, did not take any of my statments into account and did not provide any information on how they came to the decision to deny my complaint. 
I am severely XXXX ( XXXX  ) & on XXXX. I can not negotiate Transunion 's endless circular phone menus.

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 2024-04-16 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: GA

Complaint narrative:
Nothing no response

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed unauthorized and inaccurate inquiries and aged collections on my XXXX, XXXX, & TRANSUNION credit report. According to the FCRA ( Fair Credit Reporting Act ). LEGALLY these unauthorized items must be removed. 
These are not in pursuit and do not belong to me whatsoever. I have no knowledge of these items ; 15 U.S.C 1681 B Furthermore, I have mailed verifiable information to all 3 Credit Bureaus multiple times with the intent of immediate removal. I have stated all unauthorized items on all 3 of my credit reports as well and they have REFUSED to cooperate.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed unauthorized and inaccurate inquiries and aged collections on my XXXX, EXPERIAN, & XXXX credit report. According to the FCRA ( Fair Credit Reporting Act ). LEGALLY these unauthorized items must be removed. 
These are not in pursuit and do not belong to me whatsoever. I have no knowledge of these items ; 15 U.S.C 1681 B Furthermore, I have mailed verifiable information to all 3 Credit Bureaus multiple times with the intent of immediate removal. I have stated all unauthorized items on all 3 of my credit reports as well and they have REFUSED to cooperate.

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 2024-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a compliant regarding the actions of Creditors Bureau Association . I am deeply concerned about the apparent violation of federal law, specifically 15 U.S. Code 1681a ( 3 ) and 15 U.S. Code 1681b ( 4 ), as outlined in the documents attached.

It has come to my attention that Creditors Bureau Association has disclosed medical information about myself, in direct contravention of 15 U.S. Code 1681a ( 3 ). Furthermore, the subsequent redisclosure of this medical information by Creditors Bureau Association, as indicated in the attached documentation, is a clear violation of 15 U.S. Code 1681b ( 4 ).

Given the severity of the violation and the sensitive nature of medical information, I urge your office to take immediate action to ensure compliance with federal law and to rectify the damage caused by Creditors Bureau Association 's actions. I request this account be deleted. I was not given proper notification by Creditors Bureau Association.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement actions against Creditors Bureau Association to ensure accountability and prevent future violations. I request that this account is deleted from my credit reports due to the multiple violations. Additionally, I ask that all relevant parties be notified of the seriousness of these violations and the legal consequences associated with non-compliance. 

Please keep me informed of the progress of your investigation and any steps taken to address this matter. I appreciate your attention to this issue and trust that the Consumer Financial Protection Bureau will take swift and decisive action to protect consumers ' rights and uphold the integrity of our nation 's consumer protection laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX phone XXXX email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-04-16 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: MD

Complaint narrative:
XXXX XXXX Account number XXXXXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Open. {$32.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$120.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$32.00} Original balance {$170.00} Highest balance - Terms 6 Months Account name XXXX XXXX Account number XXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Open. {$37.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$140.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$37.00} Original balance {$200.00} Highest balance - Terms 6  Months

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 2024-04-16 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: MD

Complaint narrative:
AFFIRM INC Account number XXXX  Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Open. {$32.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$120.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$32.00} Original balance {$170.00} Highest balance - Terms 6 Months Account name AFFIRM INC Account number XXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Open. {$37.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$140.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$37.00} Original balance {$200.00} Highest balance - Terms 6 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: AZ

Complaint narrative:
On XX/XX/2024, my minor daughter who is XXXX XXXX XXXX made a purchase for a XXXX XXXX blanket on my cashapp. I didnt authorize this transaction. My daughter knows I purchase stuff off XXXX  and how to order. The person she purchased it from scammed her. After, she paid for the item tried to ask for an extra {$100.00} to send the item after she already paid for it saying she sold the last one. 
My daughter made this transaction without my knowledge and I changed my pass code to my phone now. I contacted cashapp about the scammer and the scammer let me know good luck with trying to get your money back and blocked my account. So, no further communication can be done. This person sounds like they do this often. I have sent 2 disputes to cashapp and they just said based on your history you made this transaction. I did not make this transaction. I even made a dispute with my bank XXXX XXXX and I am awaiting word back. I did not make that transaction. I know its only {$25.00}, but can you imagine how many people she or he is doing this too. Cashapp doesn't seem like they even care to look into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-16 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: IL

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-16 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief