vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All throughout XX/XX/year>, I've been disputing incorrect information that appears on my credit reports from all 3 credit bureaus. Ive also tried disputing with the actual collection agency in which the invalid information rests, who goes by XXXX XXXX XXXX XXXX on two reports, yet XXXX XXXX XXXX on another. The amounts I am disputing are {$1600.00} and {$4900.00}. Two different amounts, under the same company, yet two different negative impacts. Both amounts which are incorrect, as well as the dates of opened. Hopefully the attached documents provides a clearer understanding. After disputing through the bureaus, the information was not deleted. I then contacted the collection agency, genesis, directly. After providing numerous emails and statements, the representative agreed in my favor that the amounts should be removed within 2 weeks and to call back in two weeks to confirm. Today XX/XX/scrub>XXXX it has been two weeks so as directed, I contacted the agency, spoke with the same representative, who then directed me to call back in another week as he was busy right now and could not talk at the moment. The run around is frustrating, the debt collection company seems very sketchy, and this incorrect information on my report is a burden and preventing me from purchasing a home of any kind.

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 2024-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was notified by a credit repair specialist that a company is reporting inaccurate information to my credit report this account does not belong to me. Please remove immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NJ

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 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 non-monetary relief
Consumer complaint received 2024-02-05 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: MI

Complaint narrative:
I wrote to the 3 credit reporting agencies XXXX, XXXX XXXX Transunion XXXXXXXX  explaining the section 15 USC 1681a. Means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. which was not fulfilled on my end, I have multiple inquiries that have not gave consent for, Credit Card Utilization, XXXX car installment loan. XXXX wrote me a response XXXX, TransUnion XXXX, & XXXX all are saying the information is 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 2024-02-05 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: MI

Complaint narrative:
I wrote to the 3 credit reporting agencies XXXX, Equifax XXXX XXXX XXXXXXXX  explaining the section 15 USC 1681a. Means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. which was not fulfilled on my end, I have multiple inquiries that have not gave consent for, Credit Card Utilization, XXXX car installment loan. Equifax wrote me a response XXXX, XXXX XXXX, & XXXX all are saying the information is accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: IN

Complaint narrative:
Checkr background 's explanation for displaying my ten-year background was that it is allowed in Indiana. However, XXXX 's background checks only go back seven years, and other Indiana residents had their backgrounds displayed for the same period of 7 years. This discrepancy feels like targeted unfair treatment. Intentionally to show an old felony and make it harder for my to be approved for a job offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
XXXX I was charged for services that were never fulfilled which afterwards I contacted the merchant to receive a resolution where I was informed that a chargeback is against their policies. So I couldnt receive my money back from the merchant and every time I tried to dispute the charge, the merchant denied the dispute and claimed it was a case of friendly fraud to my card provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.

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 2024-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TN

Complaint narrative:
I was receiving a {$17000.00} reimbursement from the company I work with and they use XXXX for payment processing. I used Square to create invoices and track to make sure I received the funds back. XXXX reached out to me to pay me via a virtual mastercard. The explained to me they will send me this card and I could use it to put it in my bank account. I asked how do I use a card and they explained it wont be an issue. On XX/XX/XXXX I received an email saying lets get you paid and it had a link to the virtual card. I clicked the link and there was no instructions or actionable buttons to click.I emailed avidexchange back explaining I do not know what to do with this. I received no response. The next day I have an email from square saying I got paid {$17000.00} from and invoice and they had charged me a 3 % fee. I did not give them permission to pull these funds down and have no idea how they even knew the funds were out there. I contacted XXXX and they were going to pull the funds back from Square and issue me a check. I received a check in the mail some 15 days later and deposited it in my account and the check was no good. I contacted XXXX and Square and Square agreed to refund the money back to avid and remove the 3 % fee so I would get my full {$17000.00}. The day of the refund Square cancelled it and I calle dand they said I did not provide some kind of verification. I did not receive any request for verification. Then I tried to put pressure on XXXX again since they misled me in the first place. They agreed to get the funds back again form Square and sent me another check that was also no good. So in desperation I decided I would eat the {$510.00} fee just to get my money back because this has dragged out for months. I went on Square and set up a banking account to transfer the funds. To my surprise it said it was going to transfer {$17000.00}. I was like good finally. I set it all up and my bank card was on its way. Immediately I received an email from Square saying they deactivated my account and were holding my {$17000.00} until XX/XX/XXXX. I reached out by phone to see why and as soon as I call it says my account has been deactivated and to refer to the email I received. At this point this is crazy. I can not see how a company can get away with something like this so I am reaching out to the CFPB. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NY

Complaint narrative:
Subject : Complaint Against XXXXXXXX XXXX  for Inaccurate Credit Reporting Dear Sir/Madam , I am writing to file a formal complaint against XXXXXXXX XXXX concerning the inaccurate reporting of my XXXX XXXX XXXXXXXX account information to the XXXX major credit bureaus : TransUnion, XXXX, and XXXX. This complaint is submitted in hopes of resolving an ongoing issue that has negatively impacted my credit report and score. 

The discrepancy involves the reported first date of delinquency. XXXX XXXX has erroneously reported the first date of delinquency as XX/XX/XXXX. This is incorrect. The actual first date of delinquency occurred in XX/XX/XXXX, when my account was 30 days late. Moreover, my account was closed on XX/XX/XXXX, which further contests the possibility of a first date of delinquency in XX/XX/XXXX. 

This inaccurate reporting has unjustly affected my credit standing. Despite multiple attempts to rectify this error directly with XXXXXXXX XXXX the issue remains unresolved. The persistence of this inaccurate information on my credit reports is a cause for significant concern and distress. 

I hereby request the CFPB 's assistance in investigating this matter. I seek a correction of the reported delinquency date to reflect the accurate first date of delinquency in XX/XX/XXXX and the acknowledgment of my account 's closure in XX/XX/XXXX. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Possible Financial Inc
State: CA

Complaint narrative:
I was approved for a loan ( {$110.00} - {$100.00} + fee {$17.00} ) I paid back within a weeks time {$100.00}, the following day the company withdrew 4 payments of XXXX. Which cause the account to be overdrawn and incurred overdraft fees. I wrote multiple emails to only be replied once with they would review in 2-4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM asking for a investigation in this matter I have three accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card- XXXX I am not disputing the verfication of these accounts what i am asking for if I received a XXXX from all three company for a amount that is not same as ALL these three accounts don't the account therfore to be removed. I just want to confirm that the information on my credit report is 100 % accurate so I want to verify that the information as the amount I owe is correct and I am asking if its not can the accounts be deleted because these accounts are reporting information that is not accurate as my 1099s show a different amount. 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 2024-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
My son had a cash app account. My son passed XX/XX/XXXX. In XXXX, around XX/XX/XXXX, I started chatting with CashApp about my sons death and account. I wanted to know what I needed to do to get funds in his account and close it. CashApp instructed me to send death certificate, his user name/tag, his email address and full legal name. I also was instructed to send an official letter from attorney with court seal appointing me as administrator, my drivers license front/back, as well as a picture of me holding my US issued drivers license. I sent all documents and received confirmation that it was sent. I also sent his phone number he had at the time of his account. I have been in contact with them for over two years, they keep saying my case has been escalated. They gave me a case number and said someone will email me. No one has emailed me or provided next steps to rectify this case and retrieve my sons funds as well as close the case. The desired resolution ; I would like to get the funds in my sons account, XXXX transactions, and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: NY

Complaint narrative:
On XX/XX/2024, Wise closed both my business checking and personal checking accounts. I received a payment for about {$23000.00} this same day, most a few hours before my Wise account was closed. I contacted them for this money, and they say it was never received. However, the platform which sent me the payment indicates the money was sent to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, my beginning account balance ( account ending in XXXX ) with bank of America was XXXX. According to my BOA XXXX statement, a deposit in the amount of XXXX was made to this account. My statement ending balance for XXXX XXXX was XXXX. Bank of America closed the account and reported it as delinquent with XXXX in the amount of XXXX. After being denied an account at my local bank, I later made a second payment in the amount of XXXX to bank of America to clear up this issue with XXXX. I learned that I should have never been placed in XXXX in the first place. Also, Bank of America owes me XXXX for an overpayment.

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 2024-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc.
State: MI

Complaint narrative:
On XX/XX/2023 I requested a payoff from XXXX by XXXX XXXX. They provided the information needed which was {$6300.00}. Account number ending in XXXX. Their infprmation phone number is XXXX. On XX/XX/2023 I requested XXXX XXXX XXXX to pay this off via Loan XXXX XXXX XXXX, phone number XXXX. XXXX XXXX issued Cashier 's Check # XXXX in the amount of {$6400.00} to XXXX XXXXXXXX XXXX XXXX as instructed. On XXXX XXXX XXXX cashed the Cashier 's check as evidenced by attached document. At some point XXXX XXXX contracted with XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, customer inquiries XXXX. To date I have spoken to customer representatives at SST all of which agreed to assist me but they keep sending me notices to pay and have not confirmed that the account is paid. The account number with SST is XXXX. I have notified SST that the collection is at least illegal as it has been paid and I sent them the same proofs as enclosed herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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:
XX/XX/23 I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS. 

I WILL PROVIDE PROOF

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 2024-02-05 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: TX

Complaint narrative:
From what I know, as per FCRA 605B, wrongly reported accounts should be removed from credit reports. I'm not sure about the details, but please examine the accounts in the documents. They're reported incorrectly on my credit, and it's making me upset. I really need your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have previously disputed Name : Bankruptcy -U.S. Bankruptcy, Court starting on XX/XX/. 

The companies responded that they verified the item as accurate, stating they verified the information with the courts/ third party. 

I contacted the Court Clerks Office and their response was they do not do reporting with any of the credit bureau 's or outside agencies. She stated that the credit bureau 's collect court reports on their own. 

I was guided to the courts website to verify that the information XXXX gave me is listed on their website for consumer rights and protections. 
Therefore, the initial responses verifying the item/s with the courts /third- party was either an error or a misunderstanding.

Either way, the reporting requirements do not comply with FRCA 611 ( 15 U.S. C. 1681I ). and the information must be removed immediately. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: SC

Complaint narrative:
According with the fair credit reporting at the list of accounts below have validated 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 XXXX XXXX account number XXXX account name : XXXX XXXXXXXX XXXX XXXX account number XXXX account name : account number XXXX account name : XXXX XXXX XXXX account number XXXX account name : XXXX  XXXX account number XXXX account name XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX Account names. 

Has violated my rights.15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish it 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 items of information, other than records, or convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person should not furnish any information related to a consumer to any consumer reporting agency is the Personal knows or has reasonable calls to believe that the information is in 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